<TABLE> <S> <C>
<PAGE>
<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
CARREKER CORPORATION'S CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
FOR THE NINE MONTHS ENDED OCTOBER 31, 2000.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> JAN-31-2001
<PERIOD-START> FEB-01-2000
<PERIOD-END> OCT-31-2000
<CASH> 24,821
<SECURITIES> 16,087
<RECEIVABLES> 40,534
<ALLOWANCES> 2,250
<INVENTORY> 0
<CURRENT-ASSETS> 83,376
<PP&E> 12,531
<DEPRECIATION> 6,608
<TOTAL-ASSETS> 98,881
<CURRENT-LIABILITIES> 19,714
<BONDS> 0
0
0
<COMMON> 192
<OTHER-SE> 77,577
<TOTAL-LIABILITY-AND-EQUITY> 98,881
<SALES> 32
<TOTAL-REVENUES> 79,480
<CGS> 25
<TOTAL-COSTS> 38,325
<OTHER-EXPENSES> 100
<LOSS-PROVISION> 1,176
<INTEREST-EXPENSE> 30
<INCOME-PRETAX> 13,942
<INCOME-TAX> 5,298
<INCOME-CONTINUING> 8,644
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 8,644
<EPS-BASIC> 0.46
<EPS-DILUTED> 0.44
</TABLE>