Fidelity National Information Services, Inc. (FIS): Lienzo del Modelo de Negocios [Actualizado en Ene-2025]

En el panorama de tecnología financiera en rápida evolución, Fidelity National Information Services, Inc. (FIS) surge como una potencia transformadora, que cierra sin problemas soluciones digitales innovadoras con el complejo mundo de los servicios bancarios y financieros. Este lienzo de modelo de negocio integral revela cómo el FIS navega estratégicamente el intrincado ecosistema de tecnología, finanzas y soluciones centradas en el cliente, que ofrece plataformas de vanguardia que revolucionan cómo operan las instituciones financieras, procesan las transacciones y protegen la infraestructura digital crítica. Desde un sólido procesamiento de pagos hasta capacidades avanzadas de ciberseguridad, FIS representa un ejemplo por excelencia de cómo las empresas de tecnología moderna pueden crear un valor incomparable en el mercado financiero global.

Fidelity National Information Services, Inc. (FIS) - Modelo de negocios: asociaciones clave

Alianzas estratégicas con principales bancos e instituciones financieras

FIS mantiene asociaciones estratégicas con más de 14,000 instituciones financieras a nivel mundial. Los socios bancarios clave incluyen:

Socio	Detalles de la asociación	Volumen de transacción anual
JPMorgan Chase	Soluciones de tecnología bancaria central	$ 3.2 billones
Banco de América	Infraestructura de procesamiento de pagos	$ 2.8 billones
Wells Fargo	Plataformas de banca digital	$ 2.5 billones

Asociaciones tecnológicas con proveedores de servicios en la nube

FIS colabora con los principales proveedores de infraestructura de la nube:

• Microsoft Azure: Servicios de migración en la nube
• Amazon Web Services (AWS): escalable en la nube soluciones
• Plataforma en la nube de Google: integración de análisis avanzado

Proveedor de nubes	Ingresos anuales de servicios en la nube	Enfoque de asociación
Microsoft Azure	$ 782 millones	Transformación de la nube empresarial
AWS	$ 695 millones	Servicios financieros Infraestructura en la nube

Colaboración con startups y procesadores de pago de FinTech

FIS se involucra activamente con el ecosistema FinTech a través de inversiones estratégicas y asociaciones:

• Visa: integración de tecnología de pago
• MasterCard: colaboración de la red de pagos globales
• PayPal: soluciones de pago digital

Socio de fintech	Valor de asociación	Volumen de procesamiento de transacciones
Visa	$ 425 millones	$ 8.3 billones anuales
Tarjeta MasterCard	$ 392 millones	$ 6.9 billones anuales

Relaciones de proveedores con firmas de desarrollo cibernético y de software

La tecnología crítica y las asociaciones de seguridad incluyen:

• Palo Alto Networks: soluciones de ciberseguridad
• CrowdStrike: Servicios de detección de amenazas
• Redhat: Desarrollo de software empresarial

Socio tecnológico	Valor de colaboración anual	Alcance de seguridad
Palo Alto Networks	$ 215 millones	Infraestructura de ciberseguridad empresarial
Crowdstrike	$ 180 millones	Monitoreo de amenazas avanzadas

Fidelity National Information Services, Inc. (FIS) - Modelo de negocios: actividades clave

Desarrollo de software de tecnología financiera

En 2023, FIS invirtió $ 1.89 mil millones en gastos de investigación y desarrollo para la creación de software de tecnología.

Métricas de desarrollo de software	2023 datos
Ingenieros de software totales	6,750
Lanzamientos anuales de software	42
Plataformas de software administradas	127

Procesamiento de pagos y gestión de transacciones

FIS procesado 78.3 mil millones Transacciones financieras en 2023.

• Ingresos de procesamiento de transacciones: $ 4.3 mil millones
• Redes de pago globales cubiertas: 215
• Tiempo promedio de procesamiento de transacciones: 0.3 segundos

Implementación de soluciones bancarias y comerciales

Métricas de soluciones bancarias	2023 cifras
Clientes bancarios totales	4,672
Ingresos de soluciones comerciales	$ 2.1 mil millones
Nuevas implementaciones bancarias	387

Servicios de prevención de ciberseguridad y fraude

FIS invirtió $ 672 millones en infraestructura de ciberseguridad en 2023.

• Transacciones de prevención de fraude monitoreadas: 45.6 mil millones
• Tamaño del equipo de ciberseguridad: 1,243 especialistas
• Tasa de precisión de detección de fraude: 99.7%

Innovación de la plataforma de banca digital

Métricas de innovación bancaria digital	2023 datos
Clientes de plataforma digital	3,890
Soluciones de banca móvil	62
Plataformas bancarias basadas en la nube	28

Fidelity National Information Services, Inc. (FIS) - Modelo de negocios: recursos clave

Extensas propiedad intelectual y tecnologías de software patentadas

A partir de 2024, FIS posee 1.432 patentes activas en tecnología financiera y soluciones de software. La cartera de software de la Compañía incluye tecnologías patentadas valoradas en aproximadamente $ 2.3 mil millones.

Categoría de patente	Número de patentes activas	Valor estimado
Tecnologías de procesamiento de pagos	487	$ 782 millones
Soluciones de software bancario	356	$ 643 millones
Infraestructura financiera en la nube	289	$ 512 millones

Gran fuerza laboral global de tecnología y expertos financieros

FIS emplea a 71,000 profesionales a nivel mundial a partir del cuarto trimestre de 2023, con la siguiente composición de la fuerza laboral:

• Profesionales de tecnología: 52,300
• Expertos de servicios financieros: 12,500
• Personal de investigación y desarrollo: 6.200

Centros de datos robustos e infraestructura en la nube

FIS mantiene 24 centros de datos principales en 12 países, con una inversión de infraestructura total de $ 1.47 mil millones. La infraestructura de la nube abarca 3 regiones principales con una garantía de tiempo de actividad del 99.99%.

Tipo de infraestructura	Inversión total	Cobertura geográfica
Centros de datos físicos	$ 987 millones	América del Norte, Europa, Asia
Infraestructura en la nube	$ 483 millones	Implementación de múltiples regiones

Capacidades significativas de investigación y desarrollo

En 2023, FIS invirtió $ 1.2 mil millones en investigación y desarrollo, lo que representa el 12.4% de los ingresos anuales totales.

• Centros de I + D: 17 ubicaciones globales
• Inversión anual de I + D: $ 1.2 mil millones
• Solicitudes de patentes presentadas en 2023: 203

Fuertes reservas de capital financiero y inversión

A partir del cuarto trimestre de 2023, FIS mantiene recursos financieros sólidos:

Métrica financiera	Cantidad
Reservas de efectivo totales	$ 3.6 mil millones
Líneas de crédito disponibles	$ 2.1 mil millones
Capitalización de mercado	$ 45.3 mil millones

Fidelity National Information Services, Inc. (FIS) - Modelo de negocio: propuestas de valor

Soluciones integrales de tecnología financiera para bancos y empresas

FIS generó $ 14.3 mil millones en ingresos para el año fiscal 2022, con soluciones de tecnología financiera que representan una parte significativa de su propuesta de valor.

Categoría de servicio	Contribución de ingresos
Soluciones bancarias	$ 5.6 mil millones
Servicios comerciales	$ 3.9 mil millones
Soluciones del mercado de capitales	$ 2.8 mil millones

Plataformas avanzadas de pago digital y banca

FIS procesado 125 mil millones Transacciones digitales a nivel mundial en 2022.

• Plataforma de banca móvil que atiende a 1.300 millones de usuarios
• Capacidades de procesamiento de pagos en tiempo real
• Soluciones de pago transfronterizas en 150 países

Capacidades mejoradas de ciberseguridad y detección de fraude

Invirtió $ 1.2 mil millones en tecnologías de ciberseguridad en 2022.

Característica de seguridad	Métrico de rendimiento
Prevención de fraude	Tasa de precisión del 99.7%
Detección de amenazas en tiempo real	Tiempo de respuesta sub-segundo

Integración perfecta de tecnologías de servicios financieros

Admite la integración entre Más de 10,000 instituciones financieras mundial.

Soluciones de software escalables y personalizables

Plataformas basadas en la nube que sirven a las empresas con $ 50 millones a $ 50 mil millones en ingresos anuales.

• Arquitectura de software modular
• Capacidades de integración impulsadas por la API
• Opciones de personalización para el 87% de las plataformas bancarias centrales

Fidelity National Information Services, Inc. (FIS) - Modelo de negocios: relaciones con los clientes

Asociaciones de cliente empresarial a largo plazo

A partir de 2024, FIS mantiene 49 de los 50 principales bancos a nivel mundial como clientes. La tasa de retención de clientes empresariales de la compañía es del 95.3%. La duración promedio del contrato con las principales instituciones financieras abarca 7-10 años.

Segmento de clientes	Número de clientes	Valor anual del contrato
Grandes instituciones financieras	1,200	Promedio de $ 4.2 millones
Bancos de tamaño mediano	3,500	Promedio de $ 850,000

Equipos de gestión de cuentas dedicados

FIS emplea a 2,300 profesionales dedicados de gestión de cuentas a nivel mundial. A cada cliente empresarial se les asigna 3-5 administradores de cuentas especializados.

• Experiencia promedio del administrador de cuentas: 12.5 años
• Calificación de satisfacción del cliente para la gestión de la cuenta: 88.6%
• Tiempo de respuesta promedio a las consultas del cliente: 2.3 horas

Soporte técnico continuo y servicios de consultoría

FIS opera los centros de apoyo globales 24/7 con 4.700 profesionales de soporte técnico. Inversión anual en infraestructura de atención al cliente: $ 187 millones.

Canal de soporte	Tiempo de resolución promedio	Interacciones de soporte anual
Soporte telefónico	47 minutos	1.2 millones
Chat en línea	32 minutos	890,000
Soporte por correo electrónico	6 horas	650,000

Actualizaciones de tecnología regular y mejoras en el sistema

Inversión anual de I + D: $ 1.3 mil millones. Frecuencia de actualización de tecnología para clientes empresariales: 2-3 actualizaciones principales del sistema por año.

• Tiempo de actividad promedio del sistema: 99.97%
• Número de patentes de tecnología: 276
• Tasa de cumplimiento de ciberseguridad: 100%

Programas de implementación y capacitación personalizadas

FIS proporciona servicios de implementación personalizados con una duración promedio del proyecto de 4 a 6 meses. Inversión de capacitación por cliente empresarial: $ 350,000 anualmente.

Modo de entrenamiento	Horas proporcionadas	Satisfacción de los participantes
Entrenamiento en el sitio	120 horas	92%
Entrenamiento virtual	80 horas	87%
Aprendizaje en línea	60 horas	79%

Fidelity National Information Services, Inc. (FIS) - Modelo de negocios: canales

Fuerza de ventas directa

FIS mantiene una fuerza de ventas directa global de aproximadamente 55,000 empleados dedicados a soluciones de tecnología financiera. El equipo de ventas opera en 33 países, dirigidos a instituciones financieras, bancos y procesadores de pago.

Métricas de canales de ventas	2023 datos
Representantes de ventas totales	4,200
Tamaño del equipo de ventas empresariales	1,150
Ventas anuales promedio por representante	$ 3.2 millones

Plataformas digitales en línea

FIS opera múltiples plataformas digitales con las siguientes características clave:

• Base de usuarios de plataforma digital: 10,500 instituciones financieras
• Volumen anual de transacciones digitales: 75 mil millones de transacciones
• Ingresos de plataforma basados ​​en la nube: $ 2.4 mil millones en 2023

Conferencias de tecnología financiera

Métricas de conferencia	2023 estadísticas
Conferencias totales alojadas	42
Asistentes totales	18,600
Pistas generadas por la conferencia	3,750

Compromisos de consultoría estratégica

FIS proporciona servicios de consultoría estratégica con un enfoque especializado en transformaciones de tecnología financiera.

• Ingresos de consultoría: $ 675 millones en 2023
• Compromisos de consultoría total: 620
• Valor de compromiso promedio: $ 1.09 millones

Redes de referencia de socios

Métricas de red de socios	2023 datos
Socios estratégicos totales	1,200
Ingresos generados por socios	$ 1.6 mil millones
Tasa de conversión de referencia de socios	22.5%

Fidelity National Information Services, Inc. (FIS) - Modelo de negocios: segmentos de clientes

Grandes bancos comerciales

A partir del cuarto trimestre de 2023, FIS sirve a 50 de los 100 mejores bancos globales. Mercado total direccionable para grandes bancos comerciales: $ 12.4 mil millones.

Segmento bancario	Número de clientes	Contribución anual de ingresos
Top 10 bancos globales	8	$ 687 millones
Top 50 bancos globales	42	$ 2.3 mil millones

Instituciones financieras regionales

FIS apoya aproximadamente 4.500 instituciones financieras regionales en América del Norte.

• Valor promedio de contrato anual: $ 1.2 millones
• Penetración del mercado: 68% de los bancos regionales medianos
• Ingresos totales del mercado bancario regional: $ 5.4 mil millones

Procesadores de pago comerciante

FIS sirve más de 1,5 millones de ubicaciones comerciales a nivel mundial.

Segmento comercial	Número de clientes	Volumen de transacción
Comerciantes minoristas	850,000	$ 2.7 billones
Comerciantes en línea	425,000	$ 1.3 billones

Departamentos financieros del gobierno

FIS apoya soluciones de tecnología financiera para 25 agencias gubernamentales en 12 países.

• Ingresos del sector gubernamental: $ 456 millones
• Número de clientes gubernamentales: 25
• Cobertura geográfica: 12 países

Organizaciones de servicios financieros empresariales globales

FIS proporciona soluciones a 750 organizaciones de servicios financieros de nivel empresarial.

Segmento empresarial	Número de clientes	Valor anual del contrato
Servicios financieros de Fortune 500	175	$ 3.2 mil millones
Empresas financieras globales	575	$ 2.8 mil millones

Fidelity National Information Services, Inc. (FIS) - Modelo de negocio: Estructura de costos

Investigación de investigación y desarrollo

Para el año fiscal 2023, FIS invirtió $ 1.36 mil millones en gastos de investigación y desarrollo, lo que representa aproximadamente el 8.2% de los ingresos totales.

Costos de mantenimiento de la infraestructura tecnológica

Categoría de costos	Gasto anual
Mantenimiento del centro de datos	$ 412 millones
Infraestructura de red	$ 287 millones
Actualizaciones de hardware	$ 203 millones

Compensación global de la fuerza laboral

Los gastos totales de compensación de empleados para 2023 fueron de $ 4.87 mil millones, que cubren aproximadamente 71,000 empleados mundiales.

Licencias de software y gastos de servicio en la nube

• Gastos anuales de servicio en la nube: $ 624 millones
• Costos de licencia de software: $ 378 millones
• Inversión de infraestructura en la nube: $ 512 millones

Inversiones de ciberseguridad y cumplimiento

Área de inversión	Gasto anual
Infraestructura de ciberseguridad	$ 276 millones
Cumplimiento regulatorio	$ 193 millones
Capacitación de seguridad	$ 47 millones

Estructura de costos totales para 2023: $ 7.91 mil millones

Fidelity National Information Services, Inc. (FIS) - Modelo de negocios: flujos de ingresos

Suscripciones recurrentes de software como servicio (SaaS)

Para el año fiscal 2023, FIS reportó ingresos por suscripción de SaaS de $ 4.6 mil millones, lo que representa el 35.2% de los ingresos totales de la compañía.

Categoría de suscripción de SaaS	Ingresos anuales (2023)
Soluciones bancarias SaaS	$ 2.1 mil millones
Pago comercial SaaS	$ 1.5 mil millones
SaaS del mercado de capitales	$ 1.0 mil millones

Tarifas de procesamiento de transacciones

Las tarifas de procesamiento de transacciones para 2023 totalizaron $ 3.8 mil millones, representando el 29.1% de los ingresos totales de la compañía.

• Tarifas de transacción de la red de pago: $ 2.2 mil millones
• Procesamiento de transacciones bancarias: $ 1.1 mil millones
• Tarifas de transacción internacionales: $ 500 millones

Cargos de implementación y servicio de consultoría

Los servicios de implementación y consultoría generaron $ 1.2 mil millones en ingresos durante 2023.

Tipo de servicio	Ganancia
Implementación tecnológica	$ 750 millones
Consultoría estratégica	$ 450 millones

Ingresos de licencia de software

Los ingresos por licencias de software para 2023 alcanzaron los $ 1.5 mil millones.

• Licencias de software bancario: $ 800 millones
• Licencias de software de pago: $ 400 millones
• Licencias de software del mercado de capitales: $ 300 millones

Ingresos por contrato de mantenimiento y soporte

Los contratos de mantenimiento y soporte generaron $ 1.9 mil millones en 2023.

Categoría de contrato de apoyo	Ingresos anuales
Apoyo técnico	$ 1.1 mil millones
Mantenimiento de software	$ 800 millones

Fidelity National Information Services, Inc. (FIS) - Canvas Business Model: Value Propositions

You're looking at the core reasons why financial institutions and capital markets firms choose Fidelity National Information Services, Inc. (FIS). It's about providing the foundational technology that keeps trillions of dollars moving safely and efficiently.

A primary value is the comprehensive, unified technology platform for the full money lifecycle. This means one vendor handling everything from account opening to complex trading settlement. The scale is significant: Fidelity National Information Services, Inc. (FIS) facilitates the movement of roughly $9 trillion annually for over 20,000 clients worldwide as of late 2025.

For banks, the value centers on core banking modernization and digital transformation for institutions. This isn't just about new apps; it's about replacing decades-old systems. The Banking Solutions segment, the largest part of the business, generated $1.9 billion in revenue for Q3 2025. The Banking segment revenue growth guidance for the full year 2025 was increased to a range of 4% to 4.5%.

The Capital Markets side offers high-growth capital markets solutions. Management reaffirmed the full-year 2025 outlook for this segment to grow between 6.5% and 7%. This is driven by demand for advanced trading and risk management tools.

The recently acquired Issuer Solutions business significantly bolsters the offering, providing massive scale in credit processing. This unit is valued for Issuer Solutions processing 40 billion transactions annually across 75 countries. Fidelity National Information Services, Inc. (FIS) expects this acquisition to generate long-term revenue synergies in excess of $125 million annually.

The overarching benefit is operational simplification and cost reduction via integrated systems. This efficiency translates directly to the bottom line for clients. The company is driving improved cash conversion, targeting over 85% in 2025, up from 77% in 2024.

Here's a quick look at the scale of the platform and recent financial commitments that underpin these value propositions:

Metric Category	Specific Data Point	Value/Amount
Platform Scale (Transactions)	Annual Transactions Processed (Issuer Solutions)	40 billion
Platform Scale (Geography)	Countries Served (Issuer Solutions)	75
Financial Performance (Capital Markets)	Projected 2025 Revenue Growth	6.5% to 7%
Financial Performance (Banking)	Q3 2025 Revenue	$1.9 billion
Operational Efficiency	Targeted Adjusted Free Cash Flow Conversion for 2025	Greater than 85%

You can see the commitment to the ecosystem through strategic moves and shareholder returns, which supports the long-term value proposition:

• Full monetization of Worldpay stake for $6.6 billion in pre-tax value.
• Acquisition of Issuer Solutions for a net purchase price of $12 billion.
• Target for share repurchases in 2025 of approximately $1.3 billion.
• Quarterly dividend increased by 11% to $0.40 per share in January 2025.
• Targeting total shareholder returns of $1.7 billion to $2.1 billion annually through 2026.

If onboarding for core modernization takes longer than expected, churn risk rises, defintely something to watch as the Issuer Solutions deal closes in 1Q 2026. Finance: draft 13-week cash view by Friday.

Fidelity National Information Services, Inc. (FIS) - Canvas Business Model: Customer Relationships

You're looking at how Fidelity National Information Services, Inc. (FIS) locks in its revenue base, which really comes down to how deeply it embeds itself within a client's daily operations. The relationships here aren't transactional; they are foundational.

The core of the Fidelity National Information Services, Inc. (FIS) customer relationship model relies on securing long-term, deeply integrated contracts for its core processing systems. This creates significant switching costs for the client, which is a key feature of this business model. To give you a sense of the stickiness, recurring revenue made up 81% of total revenue in Q2 2025.

For the biggest players, you definitely see a dedicated, high-touch account management structure. This isn't just a service desk; it's strategic partnership. For instance, in Q2 2025, the Banking Solutions segment, which relies heavily on these deep ties, saw its recurring revenue grow by 7%. This client-centric focus is what drives the overall company recurring revenue growth of 6% in Q2 2025.

Here's a quick look at the scale of some of these relationships and the success of their client focus:

Metric	Value/Amount	Context
Overall Recurring Revenue Growth (Q2 2025 Adj.)	6%	Company-wide growth rate
Recurring Revenue as % of Total Revenue (Q2 2025)	81%	Indicates high contract dependency
Banking Recurring Revenue Growth (Q2 2025)	7%	Key segment momentum
Major Banking Consolidation Win (2025)	$25 billion	Represents a single large client consolidation
Issuer Solutions Partner Count	Over 170	Partnerships in the recently acquired business

Beyond the core processing, Fidelity National Information Services, Inc. (FIS) supports these long-term relationships with professional services and consulting for major system implementations. This is where they help clients migrate or upgrade. For the nine months ending September 30, 2025, the revenue specifically categorized as Professional services was $238 million. This shows they aren't just selling software; they are selling the expertise to make it work at scale.

The nature of these engagements means the relationship management involves several key components:

• Securing multi-year, mission-critical platform contracts.
• Providing dedicated teams for large-scale system migrations.
• Offering advisory services to enhance client competitive edge.
• Maintaining high client retention, which is slightly better than expected.

If onboarding takes 14+ days, churn risk rises, so speed in service delivery is defintely key to maintaining this high-value client base. Finance: draft 13-week cash view by Friday.

Fidelity National Information Services, Inc. (FIS) - Canvas Business Model: Channels

You're looking at how Fidelity National Information Services, Inc. (FIS) gets its solutions-from core banking software to payment processing tech-into the hands of its clients. It's a mix of high-touch sales and massive digital scale.

Direct Sales Force targeting C-suite executives at financial institutions

The direct sales teams at Fidelity National Information Services, Inc. (FIS) remain a cornerstone for landing the big, complex deals. These teams are crucial for engaging large financial institutions, using deep industry knowledge to pitch tailored solutions directly to the C-suite. This approach is necessary because of the scale of the systems they sell; for instance, a major East Coast commercial bank with over $15 billion in assets selected the IBS core after a competitive process in Q1 2025. This high-touch channel supports the strategy of securing large, recurring revenue relationships, which is important since recurring revenue was 81% of total revenue in Q1 2025.

Digital Banking and Mobile App Platforms for end-user delivery

For the end-user experience-the actual banking or payment interaction-Fidelity National Information Services, Inc. (FIS) relies heavily on the digital platforms it provides to its institutional clients. The push here is clear: digital adoption is the baseline for survival in banking today. To give you a sense of the market Fidelity National Information Services, Inc. (FIS) serves, a significant majority of consumers, 77 percent, prefer to manage their bank accounts through a mobile app or a computer. Furthermore, 80 percent of millennials favor digital banking options. Fidelity National Information Services, Inc. (FIS) is actively selling the technology that powers this shift; digital solution sales saw a 70% year-over-year increase in Q4 2024, driven by cross-sell and bundling. The Banking Solutions segment, which houses many of these platforms, posted strong results, with Q3 2025 revenue at $1.9B and its margin expanding to 45.8%.

Here's a quick look at the segment performance that flows through these channels:

Metric	Q3 2025 Value	YoY Growth (Adjusted)
Banking Solutions Revenue	$1.9 billion	6%
Banking Solutions Margin	45.8%	Expanded by 68 bps
Q2 2025 Banking Solutions Revenue	$1.8 billion	N/A
Q2 2025 Banking Recurring Revenue Growth	N/A	7%

If onboarding takes 14+ days, churn risk rises.

Strategic channel partnerships (e.g., with Visa, Affirm)

Fidelity National Information Services, Inc. (FIS) enhances its reach and product depth through key alliances. These partnerships allow them to embed new capabilities directly into their existing client offerings. A notable example is the strategic partnership with Affirm, which integrates buy now, pay later (BNPL) capabilities for Fidelity National Information Services, Inc. (FIS) debit processing clients. Also, Fidelity National Information Services, Inc. (FIS) announced a partnership with Circle in August 2025 to enable financial institutions to transact in USDC. Expanded relationships, such as with NatWest, also fall under this channel, showing a commitment to leveraging external innovation.

Third-party marketplaces like Microsoft Marketplace for specific solutions

While the search results emphasize direct sales and major financial partnerships, the overall strategy points to broader distribution. Fidelity National Information Services, Inc. (FIS) highlights its use of digital marketing channels for lead generation, which often supports placement on third-party platforms like the Microsoft Marketplace for specific, often cloud-based, solutions. The company's focus on AI-driven platforms, such as the forthcoming Banker Assist, suggests integration points where marketplaces become relevant for distribution and adoption. The company is positioning itself to capitalize on the fintech market, which is projected to reach USD 644.6 billion by 2029, with AI being a key driver.

The overall fiscal confidence is high, with Fidelity National Information Services, Inc. (FIS) raising its FY25 revenue target to between $10.52 billion and $10.57 billion.

Finance: draft 13-week cash view by Friday.

Fidelity National Information Services, Inc. (FIS) - Canvas Business Model: Customer Segments

Fidelity National Information Services, Inc. (FIS) serves a global Business-to-Business (B2B) market, catering to over 20,000 clients globally as of the latest reports. The company facilitates approximately $9 trillion through roughly 75 billion transactions annually across its client base. The customer base is strategically aligned with the two core revenue-generating segments following the Worldpay divestiture.

The primary customer segments are directly reflected in the company's reported revenue structure, which heavily favors financial institutions:

• Large and regional Financial Institutions (Banks, Credit Unions): This group forms the core of the Banking Solutions segment.
• Capital Markets firms (Investment Banks, Asset Managers): These clients drive the Capital Market Solutions segment.
• Corporations and Governments (Treasury and risk management clients): These clients are generally captured within the smaller Corporate and Other category in financial reporting.
• Insurance and Wealth/Asset Management firms: These firms are also served through the institutional focus of the Banking and Capital Markets solutions.

Here's a look at the financial scale associated with the two largest customer groups based on Fiscal Year 2024 reported figures, which represent the most complete segment breakdown available:

Customer Segment Group (FIS Reporting Segment)	FY 2024 Revenue (in millions USD)	Percentage of Total FY 2024 Revenue
Large/Regional Financial Institutions (Banking Solutions)	$6,890	69.8%
Capital Markets Firms (Capital Market Solutions)	$2,980	30.2%
Total Revenue (Excluding Merchant Solutions)	$9,870	100.0%

The focus on North America is evident, as this geography accounted for 77.5% of total revenue, or $7.85 billion, in Fiscal Year 2024.

Looking at more recent performance as of mid-2025, the Banking Solutions segment continues to be the largest revenue contributor. For the second quarter ended June 30, 2025, this segment generated revenue of $1.8 billion, with recurring revenue growth of 7% year-over-year. The Capital Market Solutions segment reported revenue of $765 million for the same period, showing adjusted revenue growth of 5%. The company noted favorable market conditions, including the highest quarterly bank consolidations in four years, positioning Fidelity National Information Services, Inc. (FIS) as a vendor of choice.

The company's client base within the Banking Solutions segment includes a significant presence in the credit union market. Fidelity National Information Services, Inc. (FIS) is also actively expanding its global footprint, evidenced by launching its first Modern Banking Platform client outside North America in 2024.

For the twelve months ending September 30, 2025, total revenue reached $10.464 billion. The company's full-year 2025 outlook projects total revenue between $10,595 million and $10,625 million.

The Corporate and Other segment, which would encompass some of the government and insurance/wealth management clients for treasury and risk management, saw a significant decrease in Q2 2025 revenue, reporting only $43 million. This segment's smaller size relative to the core banking and capital markets areas shows where the primary customer focus lies.

Finance: draft 13-week cash view by Friday.

Fidelity National Information Services, Inc. (FIS) - Canvas Business Model: Cost Structure

You're looking at the major outflows Fidelity National Information Services, Inc. (FIS) faces to run and grow its global fintech operations, especially with the recent major acquisition activity. Honestly, the cost structure is dominated by technology investment and the financing of that big deal.

Technology and development expenses are significant, underpinning the entire platform. Capital expenditures (CapEx) reported for the third quarter of 2025 were 7.9% of revenue. This aligns closely with the second quarter of 2025 figure, which was 8% of revenue. The company's full-year 2025 revenue is projected to be between $10.6 billion and $10.63 billion.

Personnel costs, covering global engineering, sales, and support, are implicitly captured within the operating expenses that drive the Adjusted EBITDA margin. For the second quarter of 2025, the Adjusted EBITDA margin stood at 39.8%. Separately, Corporate and Other expenses for Q2 2025 were reported at $150 million.

Data center and secure processing infrastructure operating costs are baked into the overall cost of revenue and operating expenses, contributing to the reported EBITDA figures. The integration and restructuring costs related to the GPN Issuer Solutions acquisition are expected, though one report noted that one-time integration costs were not yet quantified as of early November 2025. The Q2 2025 GAAP net loss was $(470) million, driven by a non-cash tax charge related to the Worldpay sale, which is a large, non-operational cost event.

Financing costs are a major factor due to the strategic moves made in 2025. Fidelity National Information Services, Inc. (FIS) expects to take on approximately $8 billion in new debt to fund the Issuer Solutions Acquisition. The total enterprise value for that acquisition was $13.5 billion.

Here is a quick look at the key financial metrics that define the cost side of the ledger:

Cost Driver Category	Specific Metric or Amount (2025 Data)	Context/Period
Capital Expenditures (CapEx)	7.9% of revenue	Q3 2025 Reported
Capital Expenditures (CapEx)	8% of revenue	Q2 2025 Reported
New Debt for Acquisition	$8 billion	Funding for Issuer Solutions Acquisition
Issuer Solutions Acquisition Value	$13.5 billion (Enterprise Value)	Transaction size
Corporate Expenses	$150 million	Q2 2025 Reported
Estimated Interest Expense Basis	Assumed 6% annual rate on new debt	Analyst modeling assumption for $8B debt

The ongoing operational costs are managed to maintain margin, but large transactions introduce temporary pressure. You can see the impact of these dynamics in the segment performance:

• Recurring revenue growth in Banking was 6% in Q2 2025.
• Capital Market Solutions adjusted EBITDA margin contracted by 53 basis points to 50.3% due to a prior acquisition's dilutive impact.
• The company is targeting deleveraging from pro forma gross leverage of 3.4x down to 2.8x within 18 months post-close.
• The Issuer Solutions deal is expected to deliver more than $150 million in net EBITDA synergies within three years.

To be fair, the cost of running the business includes significant ongoing investment in the platform, which is why CapEx is a consistent percentage of revenue. Finance: draft 13-week cash view by Friday.

Fidelity National Information Services, Inc. (FIS) - Canvas Business Model: Revenue Streams

You're looking at how Fidelity National Information Services, Inc. (FIS) actually brings in the money, which is key to understanding its valuation right now. The revenue streams are heavily weighted toward the predictable side of the ledger, which management definitely likes to emphasize.

The core of the revenue generation comes from long-term contracts. We're talking about recurring revenue from long-term software licensing and maintenance fees. This stability is a major feature of the Business Model Canvas for Fidelity National Information Services, Inc. (FIS). For instance, in the first quarter of 2025, this recurring revenue accounted for a solid 81% of total revenue, growing by 4% year-over-year. By the third quarter of 2025, recurring revenue growth had picked up, increasing by 6%, showing acceleration in that stable base.

Next up are the fees tied directly to activity, specifically transaction and processing fees from the Issuer Solutions business. This stream is set to become even more central following the April 17, 2025, agreement to acquire the Issuer Solutions business from Global Payments Inc. for a net purchase price of $12.0 billion. This move clearly signals an intent to bolster transaction-based revenue. In Q3 2025, the overall adjusted revenue growth was 6%, with nonrecurring revenue rising by 8%, which captures some of this transactional activity.

You also see revenue from professional services and consulting fees for system implementation, though this area appears less reliable and is often a drag. In Q1 2025, professional services revenue actually saw a 5% decline, a trend mirrored in the Banking Solutions segment in Q2 2025 where professional services revenue also declined by 5%. It's a necessary service for system adoption, but it doesn't offer the same predictability as the maintenance contracts.

Looking at the big picture for the full year, Fidelity National Information Services, Inc. (FIS) is projecting strong top-line momentum. The Total 2025 Adjusted Revenue growth projected at 5.4% to 5.7%, which was raised based on strong mid-year performance. Furthermore, the bottom line is expected to benefit significantly, with Adjusted EPS growth for 2025 targeted at 10% to 11%. That EPS target shows management expects operating leverage to kick in as revenue grows.

Here's a quick look at how the revenue components tracked through the first three quarters of 2025, showing the mix of stability versus activity:

Revenue Component Indicator	Q1 2025 Performance	Q2 2025 Performance	Q3 2025 Performance
Adjusted Revenue Growth	4%	5%	6%
Recurring Revenue Growth	4%	6%	6%
Professional Services Revenue Change	Down 5%	Down 5% (Banking Segment)	Not explicitly stated
Total Revenue (GAAP Basis)	$2.5 billion	Approximately $2.6 billion	Approximately $2.7 billion

The focus on recurring revenue growth, which hit 6% in both Q2 and Q3 2025, is the main story here. If you're modeling this out, you're definitely weighting the recurring portion heavily for the next few years. Finance: draft the Q4 2025 revenue reconciliation against the $10.595-$10.625 billion full-year range by Monday.