Fidelity National Information Services, Inc. (FIS): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário em rápida evolução da tecnologia financeira, a Fidelity National Information Services, Inc. (FIS) surge como uma potência transformadora, preenchendo perfeitamente soluções digitais inovadoras com o complexo mundo dos serviços bancários e financeiros. Essa lona abrangente do modelo de negócios revela como o FIS navega estrategicamente no intrincado ecossistema de tecnologia, finanças e soluções centradas no cliente, fornecendo plataformas de ponta que revolucionam como as instituições financeiras operam, processam transações e protegem a infraestrutura digital crítica. Do processamento robusto de pagamento a recursos avançados de segurança cibernética, o FIS representa um exemplo por excelência de como as empresas de tecnologia modernas podem criar um valor incomparável no mercado financeiro global.

Fidelity National Information Services, Inc. (FIS) - Modelo de negócios: Parcerias -chave

Alianças estratégicas com grandes bancos e instituições financeiras

O FIS mantém parcerias estratégicas com mais de 14.000 instituições financeiras em todo o mundo. Os principais parceiros bancários incluem:

Parceiro do banco	Detalhes da parceria	Volume anual de transações
JPMorgan Chase	Core Banking Technology Solutions	US $ 3,2 trilhões
Bank of America	Infraestrutura de processamento de pagamento	US $ 2,8 trilhões
Wells Fargo	Plataformas bancárias digitais	US $ 2,5 trilhões

Parcerias de tecnologia com provedores de serviços em nuvem

O FIS colabora com os principais provedores de infraestrutura em nuvem:

• Microsoft Azure: serviços de migração em nuvem
• Amazon Web Services (AWS): soluções em nuvem escaláveis
• Plataforma do Google Cloud: integração avançada de análise

Provedor de nuvem	Receita anual de serviços em nuvem	Foco em parceria
Microsoft Azure	US $ 782 milhões	Transformação da nuvem corporativa
AWS	US $ 695 milhões	Infraestrutura em nuvem de serviços financeiros

Colaboração com startups e processadores de pagamento da fintech

O FIS se envolve ativamente com o ecossistema de fintech por meio de investimentos e parcerias estratégicas:

• Visto: integração de tecnologia de pagamento
• MasterCard: Colaboração Global de Rede de Pagamentos
• PayPal: soluções de pagamento digital

Fintech Partner	Valor da parceria	Volume de processamento de transações
Visa	US $ 425 milhões	US $ 8,3 trilhões anualmente
MasterCard	US $ 392 milhões	US $ 6,9 trilhões anualmente

Relacionamentos de fornecedores com empresas de segurança cibernética e desenvolvimento de software

As parcerias críticas de tecnologia e segurança incluem:

• Palo Alto Redes: Soluções de segurança cibernética
• Crowdstrike: serviços de detecção de ameaças
• Redhat: Desenvolvimento de software corporativo

Parceiro de tecnologia	Valor anual de colaboração	Escopo de segurança
Redes Palo Alto	US $ 215 milhões	Infraestrutura de segurança cibernética corporativa
Crowdstrike	US $ 180 milhões	Monitoramento avançado de ameaças

Fidelity National Information Services, Inc. (FIS) - Modelo de negócios: Atividades -chave

Desenvolvimento de software de tecnologia financeira

Em 2023, o FIS investiu US $ 1,89 bilhão em despesas de pesquisa e desenvolvimento para criação de software de tecnologia.

Métricas de desenvolvimento de software	2023 dados
Total de engenheiros de software	6,750
Lançamentos anuais de software	42
Plataformas de software gerenciadas	127

Processamento de pagamento e gerenciamento de transações

FIS processado 78,3 bilhões Transações financeiras em 2023.

• Receita de processamento de transações: US $ 4,3 bilhões
• Redes de pagamento globais cobertas: 215
• Tempo médio de processamento da transação: 0,3 segundos

Implementação de soluções bancárias e comerciais

Métricas de soluções bancárias	2023 Figuras
Total de clientes bancários	4,672
Receita de soluções comerciais	US $ 2,1 bilhões
Novas implementações bancárias	387

Serviços de segurança cibernética e de prevenção de fraudes

O FIS investiu US $ 672 milhões em infraestrutura de segurança cibernética em 2023.

• Transações de prevenção de fraudes monitoradas: 45,6 bilhões
• Tamanho da equipe de segurança cibernética: 1.243 especialistas
• Taxa de precisão de detecção de fraude: 99,7%

Inovação da plataforma bancária digital

Métricas de inovação bancária digital	2023 dados
Clientes da plataforma digital	3,890
Soluções bancárias móveis	62
Plataformas bancárias baseadas em nuvem	28

Fidelity National Information Services, Inc. (FIS) - Modelo de negócios: Recursos -chave

Extensa propriedade intelectual e tecnologias de software proprietárias

A partir de 2024, o FIS possui 1.432 patentes ativas em soluções de tecnologia financeira e software. O portfólio de software da empresa inclui tecnologias proprietárias avaliadas em aproximadamente US $ 2,3 bilhões.

Categoria de patentes	Número de patentes ativas	Valor estimado
Tecnologias de processamento de pagamentos	487	US $ 782 milhões
Soluções de software bancário	356	US $ 643 milhões
Infraestrutura financeira em nuvem	289	US $ 512 milhões

Grande força de trabalho global de tecnologia e especialistas financeiros

O FIS emprega 71.000 profissionais globalmente a partir do quarto trimestre de 2023, com a seguinte composição da força de trabalho:

• Profissionais de tecnologia: 52.300
• Especialistas em serviços financeiros: 12.500
• Pessoal de pesquisa e desenvolvimento: 6.200

Data centers robustos e infraestrutura em nuvem

O FIS mantém 24 data centers primários em 12 países, com um investimento total de infraestrutura de US $ 1,47 bilhão. A infraestrutura em nuvem abrange 3 principais regiões com 99,99% de garantia de tempo de atividade.

Tipo de infraestrutura	Investimento total	Cobertura geográfica
Data centers físicos	US $ 987 milhões	América do Norte, Europa, Ásia
Infraestrutura em nuvem	US $ 483 milhões	Implantação de várias regiões

Capacidades significativas de pesquisa e desenvolvimento

Em 2023, o FIS investiu US $ 1,2 bilhão em pesquisa e desenvolvimento, representando 12,4% da receita anual total.

• Centros de P&D: 17 locais globais
• Investimento anual de P&D: US $ 1,2 bilhão
• Pedidos de patente arquivados em 2023: 203

Fortes reservas de capital financeiro e investimento

A partir do quarto trimestre 2023, o FIS mantém recursos financeiros robustos:

Métrica financeira	Quantia
Reservas de caixa totais	US $ 3,6 bilhões
Linhas de crédito disponíveis	US $ 2,1 bilhões
Capitalização de mercado	US $ 45,3 bilhões

Fidelity National Information Services, Inc. (FIS) - Modelo de Negócios: Proposições de Valor

Soluções abrangentes de tecnologia financeira para bancos e empresas

O FIS gerou US $ 14,3 bilhões em receita para o ano fiscal de 2022, com soluções de tecnologia financeira representando uma parcela significativa de sua proposta de valor.

Categoria de serviço	Contribuição da receita
Soluções bancárias	US $ 5,6 bilhões
Serviços comerciais	US $ 3,9 bilhões
Soluções do mercado de capitais	US $ 2,8 bilhões

Plataformas avançadas de pagamento e bancos digitais

FIS processado 125 bilhões Transações digitais globalmente em 2022.

• Plataforma bancária móvel que atende 1,3 bilhão de usuários
• Recursos de processamento de pagamento em tempo real
• Soluções de pagamento transfronteiriças em 150 países

Capacidades aprimoradas de segurança cibernética e detecção de fraude

Investiu US $ 1,2 bilhão em tecnologias de segurança cibernética em 2022.

Recurso de segurança	Métrica de desempenho
Prevenção de fraudes	99,7% da taxa de precisão
Detecção de ameaças em tempo real	Tempo de resposta do subsegunda

Integração perfeita de tecnologias de serviços financeiros

Suporta integração Mais de 10.000 instituições financeiras mundialmente.

Soluções de software escaláveis ​​e personalizáveis

Plataformas baseadas em nuvem que atendem empresas com US $ 50 milhões a US $ 50 bilhões em receita anual.

• Arquitetura de software modular
• Recursos de integração orientados a API
• Opções de personalização para 87% das plataformas bancárias principais

Fidelity National Information Services, Inc. (FIS) - Modelo de Negócios: Relacionamentos do Cliente

Parcerias de clientes corporativos de longo prazo

A partir de 2024, o FIS mantém 49 dos 50 principais bancos em todo o mundo como clientes. A taxa de retenção de clientes corporativos da empresa é de 95,3%. A duração média do contrato com as principais instituições financeiras se estende por 7 a 10 anos.

Segmento de cliente	Número de clientes	Valor anual do contrato
Grandes instituições financeiras	1,200	Média de US $ 4,2 milhões
Bancos de tamanho médio	3,500	Média de US $ 850.000

Equipes de gerenciamento de contas dedicadas

O FIS emprega 2.300 profissionais de gerenciamento de contas dedicados globalmente. Cada cliente corporativo recebe 3-5 gerentes de conta especializados.

• Experiência média de gerente de contas: 12,5 anos
• Classificação de satisfação do cliente para gerenciamento de contas: 88,6%
• Tempo médio de resposta às consultas do cliente: 2,3 horas

Serviços contínuos de suporte técnico e consultoria

O FIS opera centros de suporte global 24/7 com 4.700 profissionais de suporte técnico. Investimento anual em infraestrutura de suporte ao cliente: US $ 187 milhões.

Canal de suporte	Tempo médio de resolução	Interações de suporte anual
Suporte telefônico	47 minutos	1,2 milhão
Chat online	32 minutos	890,000
Suporte por e -mail	6 horas	650,000

Atualizações regulares de tecnologia e melhorias no sistema

Investimento anual de P&D: US $ 1,3 bilhão. Frequência de atualização da tecnologia para clientes corporativos: 2-3 atualizações principais do sistema por ano.

• Tempo de atividade média do sistema: 99,97%
• Número de patentes tecnológicas: 276
• Taxa de conformidade com segurança cibernética: 100%

Programas personalizados de implementação e treinamento

O FIS fornece serviços de implementação personalizados com duração média do projeto de 4-6 meses. Treinamento Investimento por empresa Enterprise: US $ 350.000 anualmente.

Modo de treinamento	Horas fornecidas	Satisfação do participante
Treinamento no local	120 horas	92%
Treinamento virtual	80 horas	87%
Aprendizagem on-line de ritmo próprio	60 horas	79%

Fidelity National Information Services, Inc. (FIS) - Modelo de Negócios: Canais

Força de vendas direta

O FIS mantém uma força de vendas direta global de aproximadamente 55.000 funcionários dedicados a soluções de tecnologia financeira. A equipe de vendas opera em 33 países, visando instituições financeiras, bancos e processadores de pagamento.

Métricas de canal de vendas	2023 dados
Total de representantes de vendas	4,200
Tamanho da equipe de vendas corporativo	1,150
Vendas anuais médias por representante	US $ 3,2 milhões

Plataformas digitais online

O FIS opera várias plataformas digitais com as seguintes características -chave:

• Base de usuário da plataforma digital: 10.500 instituições financeiras
• Volume anual de transação digital: 75 bilhões de transações
• Receita da plataforma baseada em nuvem: US $ 2,4 bilhões em 2023

Conferências de Tecnologia Financeira

Métricas da conferência	2023 Estatísticas
Total de conferências hospedadas	42
Total de participantes	18,600
Leads gerados pela conferência	3,750

Compromissos de consultoria estratégica

O FIS fornece serviços de consultoria estratégica com foco especializado em transformações de tecnologia financeira.

• Receita de consultoria: US $ 675 milhões em 2023
• Total de consultoria em consultoria: 620
• Valor médio de engajamento: US $ 1,09 milhão

Redes de referência de parceiros

Métricas de rede de parceiros	2023 dados
Total de parceiros estratégicos	1,200
Receita gerada por parceiro	US $ 1,6 bilhão
Taxa de conversão de referência de parceiro	22.5%

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

Grandes bancos comerciais

A partir do quarto trimestre 2023, o FIS atende 50 dos 100 principais bancos globais. Mercado endereçável total para grandes bancos comerciais: US $ 12,4 bilhões.

Segmento bancário	Número de clientes	Contribuição anual da receita
10 principais bancos globais	8	US $ 687 milhões
Os 50 principais bancos globais	42	US $ 2,3 bilhões

Instituições Financeiras Regionais

O FIS suporta aproximadamente 4.500 instituições financeiras regionais em toda a América do Norte.

• Valor médio anual do contrato: US $ 1,2 milhão
• Penetração de mercado: 68% dos bancos regionais de médio porte
• Receita total do mercado bancário regional: US $ 5,4 bilhões

Processadores de pagamento do comerciante

O FIS atende mais de 1,5 milhão de locais comerciais globalmente.

Segmento de comerciante	Número de clientes	Volume de transação
Comerciantes de varejo	850,000	US $ 2,7 trilhões
Comerciantes online	425,000	US $ 1,3 trilhão

Departamentos Financeiros do Governo

O FIS apoia soluções de tecnologia financeira para 25 agências governamentais em 12 países.

• Receita do setor governamental: US $ 456 milhões
• Número de clientes do governo: 25
• Cobertura geográfica: 12 países

Organizações de Serviços Financeiros da Enterprise Global

O FIS fornece soluções para 750 organizações de serviços financeiros em nível corporativo.

Segmento corporativo	Número de clientes	Valor anual do contrato
Fortune 500 Financial Services	175	US $ 3,2 bilhões
Empresas financeiras globais	575	US $ 2,8 bilhões

Fidelity National Information Services, Inc. (FIS) - Modelo de negócios: estrutura de custos

Investimento de pesquisa e desenvolvimento

Para o ano fiscal de 2023, o FIS investiu US $ 1,36 bilhão em despesas de pesquisa e desenvolvimento, representando aproximadamente 8,2% da receita total.

Custos de manutenção de infraestrutura tecnológica

Categoria de custo	Despesa anual
Manutenção do data center	US $ 412 milhões
Infraestrutura de rede	US $ 287 milhões
Atualizações de hardware	US $ 203 milhões

Compensação global da força de trabalho

As despesas totais de remuneração dos funcionários em 2023 foram de US $ 4,87 bilhões, cobrindo aproximadamente 71.000 funcionários globais.

Licenciamento de software e despesas de serviço em nuvem

• Despesas anuais de serviço em nuvem: US $ 624 milhões
• Custos de licenciamento de software: US $ 378 milhões
• Investimento de infraestrutura em nuvem: US $ 512 milhões

Investimentos de segurança cibernética e conformidade

Área de investimento	Despesas anuais
Infraestrutura de segurança cibernética	US $ 276 milhões
Conformidade regulatória	US $ 193 milhões
Treinamento de segurança	US $ 47 milhões

Estrutura de custo total para 2023: US $ 7,91 bilhões

Fidelity National Information Services, Inc. (FIS) - Modelo de negócios: fluxos de receita

Assinaturas recorrentes de software como serviço (SaaS)

Para o ano fiscal de 2023, o FIS registrou receitas de assinatura SaaS de US $ 4,6 bilhões, representando 35,2% da receita total da empresa.

Categoria de assinatura SaaS	Receita anual (2023)
Soluções bancárias SaaS	US $ 2,1 bilhões
SaaS de pagamento do comerciante	US $ 1,5 bilhão
SaaS do mercado de capitais	US $ 1,0 bilhão

Taxas de processamento de transações

As taxas de processamento de transações para 2023 totalizaram US $ 3,8 bilhões, representando 29,1% da receita total da empresa.

• Taxas de transação de rede de pagamento: US $ 2,2 bilhões
• Processamento de transações bancárias: US $ 1,1 bilhão
• Taxas de transação internacional: US $ 500 milhões

Encargos de serviço de implementação e consultoria

Os serviços de implementação e consultoria geraram US $ 1,2 bilhão em receita durante 2023.

Tipo de serviço	Receita
Implementação de tecnologia	US $ 750 milhões
Consultoria estratégica	US $ 450 milhões

Receitas de licenciamento de software

As receitas de licenciamento de software para 2023 atingiram US $ 1,5 bilhão.

• Licenças de software bancário: US $ 800 milhões
• Licenças de software de pagamento: US $ 400 milhões
• Licenças de software do mercado de capitais: US $ 300 milhões

Receita de contrato de manutenção e apoio

Os contratos de manutenção e apoio geraram US $ 1,9 bilhão em 2023.

Categoria de contrato de suporte	Receita anual
Suporte técnico	US $ 1,1 bilhão
Manutenção de software	US $ 800 milhões

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.