But we have a very complete offering. We have a partnership with another entity to offer agent program. And so I think we’re in a great position today, but it has lived up to the expectation that I set with you all years ago. Not a great big grower, not a great big piece of our portfolio, but a nice offering for those customers that want both together.
David Togut: Understood, thanks so much. And congrats again, Dave.
David Foss: Thank you, Dave.
Operator: The next question comes from Ken Suchoski of Autonomous Research. Please go ahead.
Kenneth Suchoski: Hey, good morning. Thanks for taking the questions. Maybe I think I heard you say that for the full-year on non-GAAP revenue growth, I think you might come in towards the low end of that 7.4% to 8% growth range, which I think puts fiscal 4Q non-GAAP revenue growth, maybe slightly below 7%. So I just wanted to make sure I’m thinking about that right. Is there anything that would be driving maybe a slight deceleration. And I guess is that the right jumping off point for fiscal year ’25.
Mimi Carsley: Yes, Ken, I think that’s just the way FY ’24 is going to play out. We’re still looking at that gross revenue within our growth algorithm of the seven to eight longer term, this year will hit within that range. Still, as I mentioned earlier, the payments business, we saw a little bit slower card, nothing that is out of line with what the card networks are seeing. But we believe that the consumer is resilient. We continue to see that. They’re spending more per ticket but less tickets overall and us being transactional that is having a bit of an impact. So we’re seeing really positive growth on card risk business, other monthly services. So it’s just a little bit lower on that transactional growth. That’s just the way the segments are playing out for this year for Q4. But I wouldn’t say that, that has anything from a launching off point for next year of concern.
Kenneth Suchoski: Okay. No, that’s really helpful. And then it sounds — I mean, it sounds like there’s a lot of momentum behind Banno and Crimes Defender, we got a few questions just on the slowdown in complementary revenue growth, just I guess — is there anything to call out there in terms of that slowdown just because Banno, I think is becoming a bigger part of the business and the user growth is quite strong.
Mimi Carsley: No, you’re right to call it. I mean digital has been a great growth engine for us, and we continue to see robust growth and demand for those solutions. I would say complementary is a portfolio of products. So there’s nothing there from a slowing, and I wouldn’t say it’s slowed. I mean the numbers are really strong, and they’re in line with what we expect year in and year out for the segment.
Kenneth Suchoski: Yes. Okay. Great. Thanks so much. And Dave, congrats to you.
David Foss: Thank you very much, Ken.
Operator: This concludes our question-and-answer session. I would like to turn the conference back over to Vance Sherard for any closing remarks.
Vance Sherard: Thank you, Alan. Our Investor Day has historically been an annual May event. But starting this year, we are moving our Investor Day to September. The meeting will take place on Thursday, September 5, in Dallas. We hope you’ll be able to join us and if interested attending in person, please let me know. Executives will be traveling in the coming weeks, and we look forward to attending various investor events. And on behalf of the entire management team, I would like to express our appreciation to all the Jack Henry Associates whose efforts to produce these outstanding results. Finally, I, too, would like to congratulate Dave on his upcoming retirement as CEO. Thank him for his constant willingness to do anything requested on behalf of investors and our 25-year friendship while working in this great company. Thank you for joining us today. And Alan, will you please provide the replay number.
Operator: The replay number for today’s call is 877-344-7529 and the access code is 2714678. The conference has now concluded. Thank you for attending today’s presentation. You may now disconnect.
