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<TABLE> <S> <C>
<PAGE>
<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CARREKER
CORPORATION'S CONDENSED CONSOLIDATED FINANCIAL STATEMENTS FOR THE SIX MONTHS
ENDED JULY 31, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JAN-31-2001
<PERIOD-START> FEB-01-2000
<PERIOD-END> JUL-31-2000
<CASH> 21,867
<SECURITIES> 11,989
<RECEIVABLES> 40,992
<ALLOWANCES> 1,989
<INVENTORY> 0
<CURRENT-ASSETS> 76,475
<PP&E> 10,878
<DEPRECIATION> 6,082
<TOTAL-ASSETS> 92,473
<CURRENT-LIABILITIES> 17,471
<BONDS> 0
0
0
<COMMON> 186
<OTHER-SE> 71,066
<TOTAL-LIABILITY-AND-EQUITY> 92,473
<SALES> 32
<TOTAL-REVENUES> 50,722
<CGS> 31
<TOTAL-COSTS> 24,681
<OTHER-EXPENSES> 35
<LOSS-PROVISION> 960
<INTEREST-EXPENSE> 16
<INCOME-PRETAX> 7,939
<INCOME-TAX> 3,017
<INCOME-CONTINUING> 4,922
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,922
<EPS-BASIC> .27
<EPS-DILUTED> .25
</TABLE>
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