Carreker Corporation Press Release - January 20, 2004

Carreker Adds New Sales Leader For Global Payments Technologies Division

DALLAS (January 20, 2004) — Carreker Corporation (Nasdaq: CANI), a leading provider of technology and consulting solutions for the financial services industry, today announced that John H. Tyler will lead sales operations for the company’s Global Payments Technology (GPT) division. Tyler brings nearly 20 years experience in sales, marketing, and general management including senior positions at Diebold, where he spent 14 years, most recently as vice president Software and Services.

John Carreker, president of GPT, said, “With his extensive, well-rounded background in sales management, solutions, and marketing, John brings a wealth of knowledge in developing, cultivating, and bringing value to client relationships. His expertise will be a great asset to the GPT team as we continue providing our clients with world-class payments solutions.”

As vice president, Software and Services for Diebold, Tyler was responsible for several lines of business including Professional Services, Managed Services, Software, and Consulting. Tyler also directed Diebold’s North American sales operations and developed and led a strategic account unit within Diebold that delivered solutions to the largest banks in North America.

He received his bachelor’s degree in Marketing from Stephen F. Austin State University.

J.D. (Denny) Carreker, chairman and CEO of Carreker Corporation, said, “As the financial services industry transitions to the image-based era of Check 21, our customers are increasingly looking to us to provide them with quality products and services that will help them successfully make this transition. John’s track record of directing global sales and producing top-tier results make him a critical addition to our technology team.”

About Carreker Corporation

Carreker Corporation improves earnings for financial institutions around the world. The Company’s integrated consulting and software solutions are designed to increase clients’ revenues and reduce their expenses, while improving security and increasing the value of their customer relationships. Carreker provides products and services to more than 250 clients in the United States, Canada, the United Kingdom, Ireland, continental Europe, Australia, New Zealand, and South Africa. Clients include the full range of community, regional and large banks, among them more than 75 of the largest 100 banks in the United States. Headquartered in Dallas, Texas since 1978, Carreker Corporation also has offices around the world including London and Sydney. For more information, visit www.carreker.com.