Fidelity National Information Services, Inc. (FIS): Análisis PESTLE [Actualizado en Ene-2025]

En el panorama de tecnología financiera en rápida evolución, Fidelity National Information Services, Inc. (FIS) se encuentra en la encrucijada de desafíos globales complejos y oportunidades transformadoras. Este análisis integral de morteros presenta la intrincada red de factores políticos, económicos, sociológicos, tecnológicos, legales y ambientales que dan forma a la trayectoria estratégica de FIS, ofreciendo una exploración matizada de cómo las fuerzas externas están desafiando y impulsando simultáneamente este gigante de tecnología de servicios financieros críticos. Prepárese para sumergirse profundamente en un examen multifacético que revele la dinámica oculta que impulsa a uno de los actores más importantes en el ecosistema de tecnología financiera global.

Fidelity National Information Services, Inc. (FIS) - Análisis de mortero: factores políticos

Mayor escrutinio regulatorio sobre tecnología financiera y ciberseguridad

En 2023, se impuso el panorama regulatorio financiero de los EE. UU. $ 2.7 mil millones en penalizaciones de cumplimiento relacionadas con la ciberseguridad en sectores de tecnología financiera. La Reserva Federal y la SEC ordenaron protocolos de seguridad cibernética mejoradas para proveedores de servicios financieros.

Cuerpo regulador	Requisitos de cumplimiento	Rango de penalización
Reserva federal	Marcos avanzados de ciberseguridad	$ 500,000 - $ 1.2 millones
SEGUNDO	Normas de protección de datos	$ 750,000 - $ 1.5 millones

Impactos en la política comercial internacional

Los cambios de política comercial global en 2023-2024 afectaron significativamente las inversiones de tecnología financiera, con Transacciones de tecnología financiera transfronteriza que disminuyen en un 22.4%.

• Restricciones comerciales de tecnología US-China
• Regulaciones de servicios digitales de la Unión Europea
• Requisitos de cumplimiento de GDPR

Tensiones geopolíticas en inversiones en tecnología financiera

Las tensiones geopolíticas dieron como resultado $ 3.6 mil millones de inversiones de tecnología financiera redirigidas en los mercados norteamericanos y europeos en 2023.

Región	Redirección de inversiones	Razón principal
América del norte	$ 2.1 mil millones	Preocupaciones de ciberseguridad
unión Europea	$ 1.5 mil millones	Complejidades regulatorias

Regulaciones de privacidad de datos del gobierno de los Estados Unidos

El gobierno de los Estados Unidos implementó 17 nuevas regulaciones de privacidad de datos afectar a las empresas de tecnología financiera en 2023, con posibles impactos financieros que exceden $ 4.2 mil millones en costos de cumplimiento.

• Expansiones de la Ley de Privacidad del Consumidor de California (CCPA)
• Mandatos de protección de datos federales mejorados
• Implementaciones de la legislación de privacidad a nivel estatal

Fidelity National Information Services, Inc. (FIS) - Análisis de mortero: factores económicos

Transformación digital continua que impulsa la inversión de tecnología financiera

Las inversiones en tecnología financiera global alcanzaron $ 245.7 mil millones en 2023, con un crecimiento proyectado para $ 379.4 mil millones para 2027. FIS informado $ 12.3 mil millones en ingresos totales para 2023, con $ 3.8 mil millones específicamente de los servicios de transformación digital.

Año	Inversión global de fintech	FIS Ingresos digitales
2023	$ 245.7 mil millones	$ 3.8 mil millones
2024 (proyectado)	$ 287.5 mil millones	$ 4.2 mil millones

Tasas de interés fluctuantes que afectan el desempeño de la empresa de servicios financieros

Las tasas de interés de la Reserva Federal actualmente se encuentran en 5.25%-5.50%. El precio de las acciones de FIS fluctuó entre $ 52.37 y $ 78.45 En 2023, correlacionando directamente con los cambios en la tasa de interés.

Incertidumbre económica global que afecta el gasto en tecnología financiera

La incertidumbre económica global condujo a Reducción del 7,2% en el gasto de TI empresarial en 2023. Fis experimentado 3.5% de crecimiento de ingresos a pesar de las condiciones económicas desafiantes.

Indicador económico	Valor 2023	Impacto en FIS
Reducción global de gastos de TI	7.2%	Impacto mitigado
Crecimiento de ingresos de FIS	3.5%	Rendimiento positivo

Continuas tendencias de fusión y adquisición en el sector de servicios financieros

Servicios financieros La actividad de M&A totalizada $ 378 mil millones en 2023. FIS completado 3 adquisiciones estratégicas con una inversión total de $ 1.2 mil millones.

Métrica de fusiones y adquisiciones	Valor 2023
Servicios financieros totales M&A	$ 378 mil millones
Inversiones de adquisición de FIS	$ 1.2 mil millones
Número de adquisiciones de FIS	3

Fidelity National Information Services, Inc. (FIS) - Análisis de mortero: factores sociales

Creciente demanda de los consumidores de experiencias de banca digital sin interrupciones

Según el informe de banca digital 2023 de Deloitte, el 78% de los consumidores prefieren los canales de banca digital sobre las interacciones tradicionales de la sucursal. El uso de la banca móvil aumentó en un 50% entre 2020-2023.

Canal bancario digital	Tasa de adopción 2023	Crecimiento año tras año
Banca móvil	76.2%	15.3%
Banca en línea	68.5%	11.7%
Uso de la billetera digital	45.6%	22.4%

Aumento de la preferencia por las tecnologías financieras móviles y sin contacto

Las transacciones globales de pago sin contacto alcanzaron los $ 10.4 billones en 2023, lo que representa un aumento del 32.5% de 2022. Las plataformas de pago móvil experimentaron un crecimiento del 45% en los Estados Unidos.

Tecnología de pago	Valor de transacción global 2023	Tasa de crecimiento de los usuarios
Pagos móviles	$ 5.2 billones	45%
Tarjetas sin contacto	$ 4.8 billones	28.6%

Cambios generacionales hacia servicios financieros impulsados ​​por la tecnología

Los Millennials y Gen Z representan el 68% de los usuarios bancarios digitales. El 72% de los consumidores de entre 18 y 40 años prefieren experiencias de banca totalmente digital.

Generación	Preferencia bancaria digital	Transacciones digitales mensuales promedio
Millennials	82%	45
Gen Z	89%	52

Creciente preocupaciones sobre la privacidad y seguridad de los datos financieros

El 87% de los consumidores citan la privacidad de los datos como una preocupación crítica en la tecnología financiera. Los incidentes de ciberseguridad en servicios financieros cuestan $ 5,72 millones por violación en 2023.

Métrica de seguridad	2023 datos	Cambio año tras año
Costo de violación de datos	$ 5.72 millones	+12.4%
Preocupaciones de privacidad del consumidor	87%	+6.3%

Fidelity National Information Services, Inc. (FIS) - Análisis de mortero: factores tecnológicos

Inversión continua en inteligencia artificial y tecnologías de aprendizaje automático

FIS asignó $ 352 millones para la investigación y el desarrollo de la tecnología en 2023. Las inversiones de AI y aprendizaje automático de la compañía se centraron en el procesamiento de pagos y la optimización de servicios financieros.

Categoría de inversión tecnológica	2023 gastos ($ M)	Porcentaje del presupuesto de I + D
AI y aprendizaje automático	127.5	36.2%
Análisis avanzado	85.3	24.2%
Modelado predictivo	62.4	17.7%

Blockchain e integración de tecnología de contabilidad distribuida

FIS invirtió $ 45.6 millones en desarrollo de tecnología Blockchain en 2023, dirigida a soluciones de pago transfronterizas y seguridad de transacciones financieras.

Aplicación blockchain	Inversión ($ m)	ROI esperado (%)
Pagos transfronterizos	22.3	18.5%
Seguridad de transacción	15.7	15.2%
Contratos inteligentes	7.6	12.8%

Desarrollo avanzado de soluciones de ciberseguridad

FIS comprometió $ 98.7 millones a las tecnologías de infraestructura y detección de amenazas de ciberseguridad en 2023.

Área de enfoque de ciberseguridad	Inversión ($ m)	Tasa de mitigación de amenazas (%)
Sistemas de detección de amenazas	42.5	94.3%
Tecnologías de cifrado	33.2	92.7%
Monitoreo de cumplimiento	23.0	89.5%

Estrategias de computación en la nube y transformación digital

FIS invirtió $ 276.4 millones en iniciativas de computación en la nube y transformación digital durante 2023.

Área de transformación digital	Inversión ($ m)	Mejora de la eficiencia (%)
Migración en la nube	124.3	37.6%
Plataformas de banca digital	87.5	29.4%
Integración de API	64.6	22.8%

Fidelity National Information Services, Inc. (FIS) - Análisis de mortero: factores legales

Cumplimiento de las regulaciones de protección de datos en evolución

FIS reportó $ 1.4 mil millones en inversiones relacionadas con el cumplimiento para la protección de datos en 2023. La compañía mantiene el cumplimiento de Regulaciones GDPR, CCPA y HIPAA.

Regulación	Inversión de cumplimiento	Costos de auditoría anual
GDPR	$ 450 millones	$ 12.3 millones
CCPA	$ 350 millones	$ 8.7 millones
HIPAA	$ 600 millones	$ 15.2 millones

Posible escrutinio antimonopolio en fusiones de tecnología financiera

FIS enfrentó 3 procesos de revisión antimonopolio en 2023, con gastos legales por un total de $ 42.6 millones para consultas legales relacionadas con la fusión.

Navegación de regulaciones internacionales de servicios financieros

FIS opera en 33 países, con $ 780 millones asignados para cumplimiento regulatorio internacional.

Región	Presupuesto de cumplimiento regulatorio	Número de marcos regulatorios
Europa	$ 285 millones	12
Asia-Pacífico	$ 210 millones	9
América Latina	$ 165 millones	7
Medio Oriente/África	$ 120 millones	5

Protección de propiedad intelectual para innovaciones tecnológicas

FIS presentó 127 solicitudes de patentes en 2023, con $ 94.3 millones invertidos en protección de propiedad intelectual.

Categoría de patente	Número de patentes	Gasto de protección
FinTech Solutions	58	$ 42.1 millones
Tecnologías de ciberseguridad	37	$ 31.2 millones
Innovaciones de procesamiento de pagos	32	$ 21 millones

Fidelity National Information Services, Inc. (FIS) - Análisis de mortero: factores ambientales

Aumento del enfoque en inversiones de tecnología sostenible y verde

A partir de 2024, FIS asignó $ 47.3 millones para inversiones de tecnología sostenible. La cartera de tecnología verde de la compañía aumentó en un 22.7% en comparación con el año fiscal anterior.

Categoría de inversión verde	Monto de inversión ($ M)	Porcentaje del presupuesto tecnológico total
Tecnologías de energía renovable	18.6	9.4%
Computación de eficiencia energética	15.2	7.6%
Soluciones de neutralidad de carbono	13.5	6.8%

Reducción de la huella de carbono a través de la transformación digital

FIS informó una reducción del 16.3% en las emisiones de carbono a través de iniciativas de transformación digital en 2024. La compañía implementó soluciones basadas en la nube que disminuyeron la infraestructura física en un 27.5%.

Métrica de reducción de carbono	2024 rendimiento	Cambio año tras año
Emisiones totales de carbono (toneladas métricas)	42,500	-16.3%
Utilización de la infraestructura en la nube	68.9%	+27.5%

Eficiencia energética en las operaciones del centro de datos

FIS logró una calificación de efectividad de uso de potencia (PUE) de 1.35 en sus centros de datos, lo que representa una mejora significativa en la eficiencia energética.

Métrica de eficiencia del centro de datos	2024 rendimiento	Punto de referencia de la industria
Efectividad del uso del poder (Pue)	1.35	1.60
Ahorro anual de energía	5.2 millones de kWh	N / A

Iniciativas de informes de sostenibilidad corporativa y responsabilidad ambiental

FIS publicó un informe integral de sostenibilidad que detalla sus compromisos ambientales, con El 100% de sus operaciones globales ahora rastreadas por impacto ambiental.

• Comprometido a un 50% de uso de energía renovable para 2026
• Implementado programa integral de reducción de residuos
• Certificación de gestión ambiental ISO 14001

Métrica de informes de sostenibilidad	Estado 2024	Año objetivo
Objetivo de energía renovable	32.6%	2026
Objetivo de reducción de desechos	35% de reducción	2025

Fidelity National Information Services, Inc. (FIS) - PESTLE Analysis: Social factors

Rapid consumer shift to real-time payments (RTP) and digital wallets.

You're seeing the consumer shift to instant transactions accelerate, and it's defintely changing how FIS's core banking clients operate. The social expectation is now immediate settlement; anything less feels antiquated. This isn't just about convenience; it's a fundamental change in payment behavior, especially among younger demographics who bypass traditional banking channels entirely.

FIS, with its core processing and merchant solutions, must continuously invest to keep pace. The transaction volume for real-time payments in the US is projected to hit a massive figure by 2025, which represents a significant compound annual growth rate (CAGR) from 2024. For example, the total value of digital wallet transactions in the US is expected to surpass $X trillion in 2025, showing the clear preference for mobile-first solutions. This is a massive opportunity, but it also means a constant race to integrate with every new wallet and instant-payment rail, like FedNow and The Clearing House's RTP network.

Here's the quick math: If FIS can capture just a small percentage of this rapidly expanding instant-payment market, it bolsters their merchant and banking segments immediately. But if their integration is slow, clients will look to nimbler competitors. Speed is the new loyalty.

Talent war for AI and cloud engineers driving up labor costs.

The biggest near-term risk for FIS isn't a competitor; it's the cost of keeping and hiring the right people. As a technology-driven firm, FIS needs top-tier talent in Artificial Intelligence (AI) and cloud engineering to maintain its competitive edge. The demand for these skills has created a fierce talent war, pushing labor costs higher than general inflation.

Salaries for specialized roles, particularly those focused on machine learning and cloud architecture, have seen an average year-over-year increase of over X% in the FinTech sector through 2025. This directly impacts FIS's operating expenses. To be fair, every major tech company is facing this, but FIS needs to compete with the compensation packages of hyperscalers like Amazon Web Services and Microsoft Azure, not just other financial services firms.

This cost pressure is a direct headwind to margin expansion. FIS must balance its need for innovation with fiscal discipline. The actions are clear:

• Invest in internal upskilling programs to build talent, not just buy it.
• Focus on high-value roles; outsource or automate commodity IT tasks.
• Offer flexible work arrangements, which are now a non-negotiable social factor for top engineers.

Growing public demand for financial inclusion and accessible banking services.

Public pressure and social expectations are driving a move toward financial inclusion-making banking services accessible and affordable for the underbanked and unbanked populations. This is a major social factor that translates directly into product development mandates for FIS's clients.

In the US, the percentage of unbanked households, while declining, remains a significant social challenge. This group often relies on high-cost alternative financial services. FIS's core banking platforms and digital solutions can help financial institutions offer low-fee or no-fee accounts and more user-friendly mobile banking experiences, effectively addressing this social demand.

What this estimate hides is the potential for new market segments. By enabling clients to serve this population, FIS opens up new revenue streams. For instance, developing simplified, low-cost digital onboarding tools is no longer a 'nice-to-have' but a competitive necessity. This social trend is a clear opportunity for FIS to differentiate its platform capabilities.

Increased focus on corporate social responsibility (CSR) in vendor selection.

Corporate Social Responsibility (CSR) is no longer just a separate department; it's a critical factor in Business-to-Business (B2B) vendor selection. Large financial institutions, FIS's primary clients, are under intense scrutiny from regulators, investors, and the public regarding their environmental, social, and governance (ESG) performance. They are now applying these same standards to their key technology providers.

A strong CSR profile is now a prerequisite for major contract renewals. Clients are using detailed scorecards to evaluate vendors, looking at things like data privacy track records, diversity in leadership, and carbon footprint reduction targets. FIS's annual CSR report and transparency around its operations are now sales tools.

Consider the impact on major deals. If a client is targeting a X% reduction in their supply chain's carbon emissions by 2030, they will prioritize vendors who can prove their own operational efficiency and commitment to renewable energy. This is a simple pass/fail gate for multi-year, multi-million-dollar contracts. FIS needs to ensure its own internal metrics are top-tier.

Social Factor Trend	Impact on FIS Business Strategy (2025)	Actionable Response
Real-Time Payments Adoption	Increased demand for low-latency, high-volume transaction processing capabilities.	Prioritize R&D spending on instant payment network integrations (e.g., FedNow) and API development.
Talent Scarcity (AI/Cloud)	Direct pressure on operating margins due to salary inflation.	Allocate a specific budget for retention bonuses for high-value engineers; expand remote hiring globally.
Financial Inclusion Demand	Opportunity to sell new, simplified core banking products to clients targeting the underbanked.	Develop modular, low-cost digital banking solutions that support minimal-fee account structures.
CSR in Vendor Selection	Risk of losing major contracts if ESG scores are below client benchmarks.	Integrate ESG performance metrics into sales and client relationship management (CRM) reporting.

Fidelity National Information Services, Inc. (FIS) - PESTLE Analysis: Technological factors

The technological landscape for Fidelity National Information Services, Inc. (FIS) in 2025 is a dual-sided coin: massive opportunity driven by bank modernization spending, but also intense pressure from nimbler, cloud-native competitors. The core challenge is translating FIS's scale and deep client relationships into a modern, component-based technology stack fast enough to outpace the FinTech disruptors. This isn't just about new code; it's about a fundamental shift in service delivery.

Core banking modernization cycle driving significant new sales pipeline

You need to know that the long-awaited core banking modernization cycle is finally turning into tangible revenue for FIS. Banks are past the planning stage and are now actively spending to upgrade their decades-old systems. This momentum is visible in the sales pipeline and contract performance.

FIS is seeing a direct financial benefit from this trend. The company's Banking Solutions segment reported adjusted revenue of $1.7 billion in the first quarter of 2025, with recurring revenue growth of 3% year-over-year. More broadly, the annual contract value (ACV) has grown by 13% since 2023, showing that the new deals being signed are larger and more valuable. FIS's new Bank Modernization Framework, which uses a component-based approach, allows clients to upgrade incrementally, reducing the risk of a full 'rip and replace' project. This flexibility is defintely appealing to large financial institutions.

Metric (Q1 2025)	Value	Significance
Banking Solutions Adjusted Revenue	$1.7 billion	Core segment revenue driven by modernization.
Annual Contract Value (ACV) Growth (Since 2023)	13%	Indicates larger, more valuable contracts being signed.
Recurring Revenue Growth (Banking Solutions)	3%	Shows stable, predictable revenue from ongoing modernization services.

Aggressive integration of Generative AI for fraud detection and customer service

Generative AI (Gen AI) is no longer a pilot project; it's a critical investment for efficiency and risk mitigation in 2025. FIS is embedding AI across its operations, from client service to fraud detection. The industry is moving fast; honestly, more than 3 out of 4 banks are already piloting or have launched Gen AI and agentic solutions.

For FIS, the near-term focus is on operationalizing this technology. The company is on track to launch its Banker Assist solution by year-end 2025, which is an agentic AI platform designed to embed intelligent, voice-powered assistance directly into commercial banking client interactions. This push is directly tied to managing risk and cost. FIS research indicates that the average financial institution loses $98.5 million per year due to various issues, with cyberthreats and fraud accounting for 54% of those losses. The good news is that 80% of firms surveyed by FIS report enhanced risk management and fraud detection effectiveness through their AI investments. That's a clear return on investment.

Cloud migration of legacy systems to reduce long-term infrastructure costs

The move to the cloud is a non-negotiable step to reduce long-term infrastructure costs and enable the flexible, component-based services clients demand. FIS is making solid progress, with nearly 60% of its operations now on the public cloud. This isn't a simple lift-and-shift; it's a strategic move to boost margins.

Here's the quick math: the operational efficiency from this shift is starting to show up in the financials. FIS's cloud margin expansion increased from 41.3% to 41.8% in the third quarter of 2025. Plus, the adoption of modern cloud practices, like leveraging offshore AWS expertise, has yielded an average of 60% cost savings on personnel costs for specific migration projects. This cloud foundation is what makes the AI and component-based core modernization possible. You can't run agentic AI on a 30-year-old mainframe.

Competition from FinTechs offering modular, API-first (Application Programming Interface) solutions

The biggest long-term technological risk is the competition from FinTechs that were born in the cloud and offer modular, API-first (Application Programming Interface) solutions. These smaller, specialized players are growing three times more quickly than incumbent banks. While FinTech has only penetrated about 3% of global banking and insurance revenue pools, their model is what's forcing the change.

These FinTechs use APIs-software intermediaries that allow different applications to talk to each other-to deliver features like digital onboarding and payments faster and cheaper. For example, financial institutions that implement open banking APIs have reported a 31% increase in customer acquisition and a 27% reduction in onboarding costs. FIS is countering this by adopting the same strategy with its new framework, emphasizing open banking and APIs to connect its products and third-party providers. The global API management market is projected to reach around $43.8 billion by 2032, so this is a crucial battleground for FIS to maintain its market share.

• FinTechs grow 3x faster than incumbent banks.
• API adoption can reduce customer onboarding costs by 27%.
• API-driven customer acquisition can increase by 31%.

Fidelity National Information Services, Inc. (FIS) - PESTLE Analysis: Legal factors

Stricter enforcement of data privacy laws like GDPR and CCPA.

You need to see data privacy as a core operational risk, not just a compliance checkbox. For a global fintech like Fidelity National Information Services, Inc. (FIS), the stakes are enormous because its entire business model is built on processing sensitive financial data. FIS's global compliance program is anchored by the European Union's General Data Protection Regulation (GDPR), which sets a high bar for data protection worldwide, even for non-EU companies processing EU citizen data.

The California Consumer Privacy Act (CCPA), and its successor, the California Privacy Rights Act (CPRA), also mandate strict consumer rights and transparency in the US market, which is a key region for FIS. Honestly, the biggest risk isn't just the fines-though they can be up to 2% of global annual turnover under DORA, for example-it's the operational cost of managing this fragmented legal landscape. Every new state or country law requires a new layer of data mapping, consent management, and audit trails. It's a defintely a high-cost environment.

New antitrust reviews on large financial technology mergers.

The era of easy, massive fintech consolidation is over. Regulators are scrutinizing every major deal to prevent market concentration, and that directly impacts FIS's growth strategy through acquisitions. A clear example in 2025 is the regulatory review of FIS's intended acquisition of the Issuer Solutions business from Global Payments.

The UK's Competition and Markets Authority (CMA) required FIS to refile its UK Merger Notice in late 2025, which adds cost, time, and uncertainty to the deal. While the US Hart-Scott-Rodino (HSR) waiting period for the transaction expired in July 2025, the global regulatory environment remains a significant hurdle. This heightened scrutiny means the cost of M&A-legal fees, divestiture requirements, and delay risk-has risen substantially. You must now factor in a longer, more complex regulatory timeline for any major transaction.

Compliance costs rising due to fragmented global banking regulations.

The sheer volume and inconsistency of global banking regulations are driving up FIS's operating expenses. Financial institutions worldwide are struggling with a surge in enforcement, particularly around Anti-Money Laundering (AML) and sanctions compliance. Global banking fines surged by a shocking 417% in the first half of 2025 alone, reaching $1.23 billion.

This forces FIS's clients-and by extension, FIS as a provider-to invest heavily in new compliance technology. In some European countries, bank CIOs report that domestic and EU regulation consumes up to 90% of their IT budget, leaving little for true innovation. For the financial services industry generally, compliance costs can average 19% of annual revenues. Here's the quick math on what that industry benchmark implies, based on FIS's 2024 revenue of $10.1 billion:

Metric	Value (FY 2025 Context)	Source/Implication
FIS 2024 Annual Revenue	$10.1 billion	Baseline for cost calculation.
Industry Avg. Compliance Cost (% of Revenue)	19%	General industry benchmark.
Implied Annual Compliance Cost (Industry Avg.)	~$1.92 billion	A rough estimate of the cost burden on a firm of FIS's size.
Global Financial Crime Compliance Spending (Annual)	$206 billion	Total market cost burden for the industry FIS serves.

The real cost is in the resources diverted from product development to regulatory defense.

Operational risk from new cyber-resilience directives (e.g., DORA in EU).

The EU's Digital Operational Resilience Act (DORA) is the single most important new legal factor impacting FIS's operations in 2025. DORA became fully applicable on January 17, 2025, and it mandates a unified framework for Information and Communication Technology (ICT) risk management across the EU financial sector.

As a critical third-party ICT service provider to numerous European financial entities, FIS is directly in the crosshairs. The regulation forces a major overhaul of third-party risk management, requiring financial institutions to conduct rigorous due diligence on providers like FIS.

Key areas of operational risk for FIS under DORA include:

• Implementing robust ICT risk management and governance frameworks.
• Negotiating new contracts that include DORA-compliant audit and access rights.
• Conducting advanced digital operational resilience testing, including threat-led penetration testing (TLPT).
• Standardizing and reporting major ICT-related incidents to EU authorities.

The penalty for non-compliance is severe, with fines potentially reaching up to 2% of the company's total annual worldwide turnover. This is not just an EU problem; the UK introduced similar operational resilience requirements that came into full effect in March 2025. This is the new global standard for operational risk management, and it requires a complete shift in how you view service continuity.

Fidelity National Information Services, Inc. (FIS) - PESTLE Analysis: Environmental factors

Investor and client pressure to achieve carbon neutrality goals by 2040.

You are seeing relentless pressure from institutional investors like BlackRock and State Street, plus major corporate clients, to prove your commitment to decarbonization. For Fidelity National Information Services, Inc. (FIS), this pressure has translated into a critical near-term goal: achieving 100% carbon neutrality for its Scope 1 and Scope 2 greenhouse gas (GHG) emissions by the end of 2025. This is an aggressive target, and it's a key performance indicator for the entire financial technology (FinTech) sector. They also aim to source 100% renewable energy by 2025.

The challenge is immense, especially after the Worldpay Separation in January 2024, which required FIS to reevaluate its emissions baseline and related goals. Here's the quick math on the 2024 reported emissions that FIS must neutralize or eliminate to hit the 2025 goal:

Emissions Scope	Definition	2024 Emissions (kg CO2e)
Scope 1	Direct emissions (e.g., company vehicles, owned facilities)	8,888,000
Scope 2	Indirect emissions (e.g., purchased electricity, heat)	39,566,000
Scope 3	Value chain emissions (e.g., business travel, purchased goods)	449,485,000
Total (All Scopes)		497,939,000

To be fair, the Scope 1 and 2 target is achievable through Power Purchase Agreements (PPAs) and Renewable Energy Certificates (RECs). But, the elephant in the room is Scope 3, which is over 90% of the total footprint at 449.5 million kg CO2e. That requires deep collaboration with the entire supply chain, and that's where the real long-term risk and opportunity lies for FIS.

Reporting requirements under new SEC climate-related disclosure rules.

The regulatory landscape for climate disclosure is defintely a mess right now, but the direction of travel is clear. The U.S. Securities and Exchange Commission (SEC) finalized new climate disclosure rules in March 2024, which were set to phase in starting with the 2025 fiscal year for large accelerated filers like FIS. These rules would have mandated the disclosure of Scope 1 and 2 GHG emissions, climate-related governance, and risk management strategies, all subject to third-party assurance.

However, the SEC voted to end its defense of these rules in March 2025, and an executive order has halted implementation, making the future of the federal rules uncertain. What this estimate hides is that FIS cannot simply stop preparing. They are still exposed to mandatory climate reporting from other jurisdictions:

• California State Laws: FIS must comply with California's SB 253 (GHG emissions reporting) and SB 261 (climate-related financial risk reporting).
• EU CSRD: Operations in the European Union require compliance with the Corporate Sustainability Reporting Directive (CSRD), with disclosures beginning as early as the 2025 fiscal year for some companies.
• TCFD Alignment: FIS has already completed a formal climate risk assessment and scenario analysis consistent with the Task Force on Climate-related Financial Disclosures (TCFD) framework.

The internal infrastructure is already being built. They even offer a Climate Risk Financial Modeler solution to help clients comply with these very rules, so they are well-positioned to manage their own compliance, regardless of the SEC's current legal status.

Operational risk from extreme weather events impacting data center uptime.

For a FinTech giant, data center uptime is non-negotiable-it's the core of the business. The rising frequency and intensity of extreme weather events pose a direct physical risk to FIS's approximately 85 locations, which include critical data processing facilities.

The key risks are twofold: direct physical damage and increased operational costs. Industry-wide analysis shows that 6.25% of data centers worldwide are currently at high risk of physical damage from climate hazards like flooding and tropical cyclones. Moreover, 56% of the top 100 global data center hubs are already categorized as facing 'high' or 'very high' risk for 'cooling degree days'-days of extreme heat that necessitate extra cooling, driving up electricity and water demand.

FIS has proactively completed a formal climate risk assessment and scenario analysis to identify and mitigate these vulnerabilities. They are also investing in resilience by advancing the implementation of their Environmental Management System (EMS) and achieving ISO 14001 certification at select U.S. and international locations. The risk is not just financial; it's reputational and systemic, as a major outage could disrupt the entire financial ecosystem.

Focus on reducing e-waste from retiring legacy hardware systems.

The sheer volume of electronic waste (e-waste) is a growing environmental liability for any technology company. Globally, the world generated 62 million metric tons of e-waste in 2022, and that growth is outpacing formal recycling efforts by almost a factor of five. For FIS, constantly updating and retiring legacy hardware systems across its global operations creates a significant e-waste stream.

The financial services industry is a major contributor, and the materials lost are staggering: up to $62.5 billion-worth of precious metals like gold, silver, and copper are thrown away globally every year. FIS's strategy is to minimize waste sent to landfills by:

• Providing recycling programs in line with local municipal support.
• Incorporating a 'waste management mindset' into new client solutions.
• Optimizing IT infrastructure to extend hardware life and reduce the need for new purchases.

This focus is a necessary step to manage the toxic substances in e-waste (like lead and mercury) and to recover valuable resources, improving both the company's environmental footprint and its circular economy (CE) credentials.