Fidelity National Information Services, Inc. (FIS): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage rapide de la technologie financière, Fidelity National Information Services, Inc. (FIS) émerge comme une puissance transformatrice, pontant de manière transparente des solutions numériques innovantes avec le monde complexe des services bancaires et financiers. Cette toile complète du modèle commercial dévoile comment la FIS navigue stratégiquement dans l'écosystème complexe des solutions technologiques, financières et centrées sur le client, offrant des plateformes de pointe qui révolutionnent comment les institutions financières fonctionnent, traitent les transactions et protégeaient les infrastructures numériques critiques. Du traitement des paiements robuste aux capacités de cybersécurité avancées, FIS représente un exemple par excellence de la façon dont les entreprises technologiques modernes peuvent créer une valeur inégalée sur le marché financier mondial.

Fidelity National Information Services, Inc. (FIS) - Modèle commercial: partenariats clés

Alliances stratégiques avec les grandes banques et les institutions financières

FIS maintient des partenariats stratégiques avec plus de 14 000 institutions financières dans le monde. Les principaux partenaires bancaires comprennent:

Partenaire de banque	Détails du partenariat	Volume de transaction annuel
JPMorgan Chase	Core Banking Technology Solutions	3,2 billions de dollars
Banque d'Amérique	Infrastructure de traitement des paiements	2,8 billions de dollars
Wells Fargo	Plateformes bancaires numériques	2,5 billions de dollars

Partenariat technologique avec les fournisseurs de services cloud

FIS collabore avec les principaux fournisseurs d'infrastructures cloud:

• Microsoft Azure: Services de migration cloud
• Services Web Amazon (AWS): solutions cloud évolutives
• Google Cloud Platform: Advanced Analytics Intégration

Fournisseur de cloud	Revenus de services cloud annuels	Focus de partenariat
Microsoft Azure	782 millions de dollars	Transformation du cloud d'entreprise
AWS	695 millions de dollars	Infrastructure cloud des services financiers

Collaboration avec les startups fintech et les processeurs de paiement

FIS s'engage activement avec l'écosystème fintech par des investissements stratégiques et des partenariats:

• Visa: intégration de la technologie de paiement
• MasterCard: collaboration du réseau de paiement mondial
• PayPal: Solutions de paiement numérique

Partenaire fintech	Valeur de partenariat	Volume de traitement des transactions
Visa	425 millions de dollars	8,3 billions de dollars par an
MasterCard	392 millions de dollars	6,9 billions de dollars par an

Relations avec les fournisseurs avec les sociétés de développement de la cybersécurité et des logiciels

Les partenariats de technologie et de sécurité critiques comprennent:

• Palo Alto Networks: Cybersecurity Solutions
• Crowdsstrike: Services de détection des menaces
• Redhat: développement de logiciels d'entreprise

Partenaire technologique	Valeur de collaboration annuelle	Portée de la sécurité
Réseaux palo alto	215 millions de dollars	Infrastructure de cybersécurité d'entreprise
Cowsterrike	180 millions de dollars	Surveillance avancée des menaces

Fidelity National Information Services, Inc. (FIS) - Modèle d'entreprise: activités clés

Développement de logiciels de technologie financière

En 2023, FIS a investi 1,89 milliard de dollars dans les frais de recherche et de développement pour la création de logiciels technologiques.

Métriques de développement de logiciels	2023 données
Ingénieurs logiciels totaux	6,750
Versions de logiciels annuels	42
Plates-formes logicielles gérées	127

Traitement des paiements et gestion des transactions

FIS traité 78,3 milliards Transactions financières en 2023.

• Revenus de traitement des transactions: 4,3 milliards de dollars
• Réseaux de paiement mondiaux couverts: 215
• Temps moyen de traitement des transactions: 0,3 seconde

Mise en œuvre des solutions bancaires et marchands

Métriques des solutions bancaires	2023 chiffres
Clients bancaires totaux	4,672
Revenus de solutions marchands	2,1 milliards de dollars
Nouvelles implémentations bancaires	387

Services de prévention de la cybersécurité et de la fraude

FIS a investi 672 millions de dollars dans les infrastructures de cybersécurité en 2023.

• Transactions de prévention de la fraude surveillées: 45,6 milliards
• Taille de l'équipe de cybersécurité: 1 243 spécialistes
• Taux de précision de détection de fraude: 99,7%

Innovation de la plate-forme bancaire numérique

Métriques d'innovation bancaire numérique	2023 données
Clients de plate-forme numérique	3,890
Solutions bancaires mobiles	62
Plates-formes bancaires basées sur le cloud	28

Fidelity National Information Services, Inc. (FIS) - Modèle commercial: Ressources clés

Propriété intellectuelle étendue et technologies logicielles propriétaires

En 2024, FIS détient 1 432 brevets actifs en technologie financière et solutions logicielles. Le portefeuille de logiciels de la société comprend des technologies propriétaires d'une valeur d'environ 2,3 milliards de dollars.

Catégorie de brevet	Nombre de brevets actifs	Valeur estimée
Technologies de traitement des paiements	487	782 millions de dollars
Solutions de logiciels bancaires	356	643 millions de dollars
Infrastructure financière cloud	289	512 millions de dollars

Grande main-d'œuvre mondiale de technologie et d'experts financiers

FIS emploie 71 000 professionnels dans le monde au quatrième trimestre 2023, avec la composition de la main-d'œuvre suivante:

• Professionnels de la technologie: 52 300
• Experts des services financiers: 12 500
• Personnel de recherche et développement: 6 200

Centres de données robustes et infrastructure cloud

FIS maintient 24 centres de données primaires dans 12 pays, avec un investissement total d'infrastructure de 1,47 milliard de dollars. L'infrastructure cloud s'étend sur 3 régions majeures avec une garantie de disponibilité de 99,99%.

Type d'infrastructure	Investissement total	Couverture géographique
Centres de données physiques	987 millions de dollars	Amérique du Nord, Europe, Asie
Infrastructure cloud	483 millions de dollars	Déploiement multi-régions

Capacités de recherche et développement importantes

En 2023, FIS a investi 1,2 milliard de dollars dans la recherche et le développement, ce qui représente 12,4% des revenus annuels totaux.

• Centres de R&D: 17 emplacements mondiaux
• Investissement annuel de R&D: 1,2 milliard de dollars
• Demandes de brevet déposées en 2023: 203

Solides réserves de capital financier et d'investissement

Depuis le quatrième trimestre 2023, FIS maintient des ressources financières robustes:

Métrique financière	Montant
Réserves en espèces totales	3,6 milliards de dollars
Lignes de crédit disponibles	2,1 milliards de dollars
Capitalisation boursière	45,3 milliards de dollars

Fidelity National Information Services, Inc. (FIS) - Modèle d'entreprise: propositions de valeur

Solutions complètes de technologie financière pour les banques et les entreprises

FIS a généré 14,3 milliards de dollars de revenus pour l'exercice 2022, avec des solutions technologiques financières représentant une partie importante de leur proposition de valeur.

Catégorie de service	Contribution des revenus
Solutions bancaires	5,6 milliards de dollars
Services marchands	3,9 milliards de dollars
Solutions du marché des capitaux	2,8 milliards de dollars

Plateformes avancées de paiement numérique et bancaire

FIS traité 125 milliards transactions numériques dans le monde en 2022.

• Plateforme de banque mobile desservant 1,3 milliard d'utilisateurs
• Capacités de traitement des paiements en temps réel
• Solutions de paiement transfrontalières dans 150 pays

Capacités améliorées de cybersécurité et de détection de fraude

A investi 1,2 milliard de dollars dans les technologies de cybersécurité en 2022.

Caractéristique de sécurité	Métrique de performance
Prévention de la fraude	Taux de précision de 99,7%
Détection de menace en temps réel	Temps de réponse inférieur à la seconde

Intégration transparente des technologies des services financiers

Prend en charge l'intégration à travers Plus de 10 000 institutions financières mondial.

Solutions logicielles évolutives et personnalisables

Plates-formes basées sur le cloud desservant les entreprises avec 50 millions à 50 milliards de dollars en revenus annuels.

• Architecture logicielle modulaire
• Capacités d'intégration axées sur l'API
• Options de personnalisation pour 87% des plates-formes bancaires de base

Fidelity National Information Services, Inc. (FIS) - Modèle d'entreprise: relations clients

Partenariats des clients d'entreprise à long terme

En 2024, FIS conserve 49 des 50 premières banques dans le monde en tant que clients. Le taux de rétention des clients d'entreprise de l'entreprise est de 95,3%. La durée moyenne du contrat avec les grandes institutions financières s'étend sur 7 à 10 ans.

Segment client	Nombre de clients	Valeur du contrat annuel
Grandes institutions financières	1,200	4,2 millions de dollars moyens
Banques de taille moyenne	3,500	Moyenne de 850 000 $

Équipes de gestion des comptes dédiés

FIS emploie 2 300 professionnels de la gestion des comptes dédiés dans le monde. Chaque client d'entreprise se voit attribuer 3 à 5 gestionnaires de comptes spécialisés.

• Expérience moyenne du gestionnaire de compte: 12,5 ans
• Évaluation de satisfaction du client pour la gestion des comptes: 88,6%
• Temps de réponse moyen aux demandes des clients: 2,3 heures

Services de support technique continu et de conseil

FIS exploite 24/7 de centres de soutien mondiaux avec 4 700 professionnels du support technique. Investissement annuel dans l'infrastructure de support client: 187 millions de dollars.

Canal de support	Temps de résolution moyen	Interactions de soutien annuelles
Support téléphonique	47 minutes	1,2 million
Chat en ligne	32 minutes	890,000
Assistance par e-mail	6 heures	650,000

Mises à niveau de la technologie régulière et améliorations du système

Investissement annuel de R&D: 1,3 milliard de dollars. Fréquence de mise à niveau technologique pour les clients d'entreprise: 2-3 mises à jour principales du système par an.

• Temps de disponibilité moyen du système: 99,97%
• Nombre de brevets technologiques: 276
• Taux de conformité de la cybersécurité: 100%

Programmes de mise en œuvre et de formation personnalisés

FIS fournit des services de mise en œuvre personnalisés avec une durée moyenne du projet de 4 à 6 mois. Formation Investissement par entreprise Client: 350 000 $ par an.

Mode de formation	Heures fournies	Satisfaction des participants
Formation sur place	120 heures	92%
Formation virtuelle	80 heures	87%
Apprentissage en ligne à votre rythme	60 heures	79%

Fidelity National Information Services, Inc. (FIS) - Modèle d'entreprise: canaux

Force de vente directe

FIS maintient une force de vente directe mondiale d'environ 55 000 employés dédiés aux solutions technologiques financières. L'équipe commerciale opère dans 33 pays, ciblant les institutions financières, les banques et les processeurs de paiement.

Métriques du canal de vente	2023 données
Représentants des ventes totales	4,200
Taille de l'équipe de vente d'entreprise	1,150
Ventes annuelles moyennes par représentant	3,2 millions de dollars

Plateformes numériques en ligne

FIS exploite plusieurs plateformes numériques avec les caractéristiques clés suivantes:

• Base d'utilisateurs de plate-forme numérique: 10 500 institutions financières
• Volume annuel des transactions numériques: 75 milliards de transactions
• Revenus de plate-forme basés sur le cloud: 2,4 milliards de dollars en 2023

Conférences de technologie financière

Métriques de la conférence	2023 statistiques
Conférences totales hébergées	42
Total des participants	18,600
Chefs de file générés par la conférence	3,750

Engagements de conseil stratégique

FIS fournit des services de conseil stratégique avec un accent spécialisé sur les transformations de technologies financières.

• Revenus de consultation: 675 millions de dollars en 2023
• Engagements de conseil totaux: 620
• Valeur d'engagement moyenne: 1,09 million de dollars

Réseaux de référence partenaires

Métriques du réseau partenaire	2023 données
Partenaires stratégiques totaux	1,200
Revenus générés par des partenaires	1,6 milliard de dollars
Taux de conversion de référence des partenaires	22.5%

Fidelity National Information Services, Inc. (FIS) - Modèle d'entreprise: segments de clients

Grandes banques commerciales

Du trimestre 2023, FIS dessert 50 des 100 premières banques mondiales. Marché total adressable pour les grandes banques commerciales: 12,4 milliards de dollars.

Segment de banque	Nombre de clients	Contribution annuelle des revenus
Top 10 des banques mondiales	8	687 millions de dollars
Top 50 des banques mondiales	42	2,3 milliards de dollars

Institutions financières régionales

FIS soutient environ 4 500 institutions financières régionales à travers l'Amérique du Nord.

• Valeur du contrat annuel moyen: 1,2 million de dollars
• Pénétration du marché: 68% des banques régionales de taille moyenne
• Revenus du marché bancaire régional total: 5,4 milliards de dollars

Processeurs de paiement marchands

FIS dessert plus de 1,5 million de lieux marchands dans le monde.

Segment marchand	Nombre de clients	Volume de transaction
Marchands de détail	850,000	2,7 billions de dollars
Marchands en ligne	425,000	1,3 billion de dollars

Services financiers du gouvernement

FIS soutient les solutions technologiques financières pour 25 agences gouvernementales dans 12 pays.

• Revenus du secteur gouvernemental: 456 millions de dollars
• Nombre de clients gouvernementaux: 25
• Couverture géographique: 12 pays

Organisations mondiales de services financiers d'entreprise

FIS fournit des solutions à 750 organisations de services financiers de niveau d'entreprise.

Segment d'entreprise	Nombre de clients	Valeur du contrat annuel
Fortune 500 Services financiers	175	3,2 milliards de dollars
Entreprises financières mondiales	575	2,8 milliards de dollars

Fidelity National Information Services, Inc. (FIS) - Modèle d'entreprise: Structure des coûts

Investissement de la recherche et du développement

Pour l'exercice 2023, FIS a investi 1,36 milliard de dollars dans les frais de recherche et de développement, ce qui représente environ 8,2% des revenus totaux.

Coûts de maintenance des infrastructures technologiques

Catégorie de coûts	Dépenses annuelles
Maintenance du centre de données	412 millions de dollars
Infrastructure réseau	287 millions de dollars
Mises à niveau matériel	203 millions de dollars

Compensation mondiale de la main-d'œuvre

Les dépenses totales d'indemnisation des employés pour 2023 étaient de 4,87 milliards de dollars, couvrant environ 71 000 employés mondiaux.

Licences logicielles et dépenses de service cloud

• Dépenses de service cloud annuel: 624 millions de dollars
• Coûts de licence de logiciel: 378 millions de dollars
• Investissement dans les infrastructures cloud: 512 millions de dollars

Investissements de cybersécurité et de conformité

Zone d'investissement	Dépenses annuelles
Infrastructure de cybersécurité	276 millions de dollars
Conformité réglementaire	193 millions de dollars
Formation en sécurité	47 millions de dollars

Structure totale des coûts pour 2023: 7,91 milliards de dollars

Fidelity National Information Services, Inc. (FIS) - Modèle d'entreprise: Strots de revenus

Abonnements logiciels récurrents en tant que service (SaaS)

Pour l'exercice 2023, FIS a déclaré des revenus d'abonnement SaaS de 4,6 milliards de dollars, ce qui représente 35,2% du total des revenus de l'entreprise.

Catégorie d'abonnement SaaS	Revenus annuels (2023)
Solutions bancaires SaaS	2,1 milliards de dollars
SAAS PAIEMENT DE MERCHANT	1,5 milliard de dollars
SAAS du marché des capitaux	1,0 milliard de dollars

Frais de traitement des transactions

Les frais de traitement des transactions pour 2023 ont totalisé 3,8 milliards de dollars, représentant 29,1% du total des revenus de l'entreprise.

• Frais de transaction de réseau de paiement: 2,2 milliards de dollars
• Traitement des transactions bancaires: 1,1 milliard de dollars
• Frais de transaction internationale: 500 millions de dollars

Frais de mise en œuvre et de conseil

Les services de mise en œuvre et de conseil ont généré 1,2 milliard de dollars de revenus en 2023.

Type de service	Revenu
Mise en œuvre de la technologie	750 millions de dollars
Conseil stratégique	450 millions de dollars

Revenus de licences logicielles

Les revenus de licences logicielles pour 2023 ont atteint 1,5 milliard de dollars.

• Licences de logiciels bancaires: 800 millions de dollars
• Licences de logiciel de paiement: 400 millions de dollars
• Licences de logiciel de marché des capitaux: 300 millions de dollars

Revenu du contrat de maintenance et de soutien

Les contrats de maintenance et de soutien ont généré 1,9 milliard de dollars en 2023.

Catégorie de contrat de soutien	Revenus annuels
Support technique	1,1 milliard de dollars
Maintenance des logiciels	800 millions de dollars

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.