Core Insights - The UK financial services sector is rapidly adopting AI, with 75% of firms utilizing it, a significant increase from 58% in 2022 [1][12] - Despite this growth, consumer confidence in generative AI remains low, with 33% of consumers expressing no trust and 21% having only a little trust [2][3] - There is a notable gap between the pace of AI innovation and consumer comfort, with 38% of consumers believing that banks are innovating too quickly [3] Consumer Trust and Awareness - A FIS survey indicates that 50% of UK consumers feel anxious about generative AI, highlighting a trust gap that banks need to address [2][10] - Awareness of AI technologies is uneven, with 72% of consumers aware of AI chatbots, yet only 43% actively using them [4][7] - The research identifies four consumer segments based on technology adoption speed, with early adopters showing higher awareness and trust in AI [5][7] Perceptions of Risk - Risk perceptions vary significantly among consumer segments, with late adopters expressing greater concerns about security, privacy, and transparency [6][10] - The survey reveals that 48% of consumers are concerned about fraud or identity theft, with higher concerns among late adopters [6][7] Positive Impacts of AI - Consumers recognize AI's benefits in specific areas, with 23% citing fraud detection, 22% for identity verification, and 18% for faster customer service [8][9] - There is a readiness among consumers to embrace AI that enhances security and convenience, but skepticism remains regarding data sharing and autonomous decision-making [8][9] Recommendations for Financial Institutions - Banks are encouraged to not only innovate but also educate consumers about AI technologies to build trust [10] - Clear communication about how AI protects consumer data and enhances their banking experience is essential for fostering confidence [10]

Valued at a market cap of $34.5 billion, Fidelity National Information Services, Inc. (FIS) is a leading global financial technology company headquartered in Jacksonville, Florida. It provides core banking systems, payment processing, digital banking solutions, risk and fraud-management tools, and technology services to banks, capital markets firms, merchants, and insurers worldwide. Companies worth $10 billion or more are typically classified as “large-cap stocks,” and FIS fits the label perfectly. Found ...

Question-and-Answer SessionTimothy ChiodoUBS Investment Bank, Research Division All right. We've got a great agenda of topics to go through today. I'm just kind of run through what we're going to attempt to cover. We're going to start a little bit just looking at the various growth of the two segments and how things have been comparing to the '25 and '26 guide given at the Investor Day. We'll dig a little bit more into the banking segment. We'll dig a little bit more into the Capital Markets segment. We'll ...

Summary of Fidelity National Information Services (FIS) Conference Call Company Overview - **Company**: Fidelity National Information Services (NYSE: FIS) - **Date**: December 02, 2025 - **Key Speakers**: Stephanie Ferris (President and CEO), James Kehoe (CFO), George Mihalos (Head of Investor Relations) Industry Insights - **Segments Discussed**: Banking and Capital Markets - **Growth Projections**: - Banking segment expected to grow adjusted revenue organically by just north of 3% - Capital markets segment expected to grow adjusted revenue organically by just north of 6% [4][5][6] Key Points and Arguments Banking Segment - **Performance**: Banking growth is better than expected due to a focus on commercial excellence, existing clients, new sales, and cross-sells [5][6] - **Recurring Revenue**: Significant organic growth in recurring revenue is anticipated as 2025 concludes and into 2026 [6] - **Core Banking**: - Core banking conversions are sticky, with limited switching among banks [7][9] - FIS serves larger banks (assets over $5 billion), benefiting from market consolidation [9][10] - Core products include Horizon for smaller banks and IBS for larger commercial banks [12][13][14] Capital Markets Segment - **Impact of Tariffs**: Loan syndication market was impacted by tariffs in Q2 but has since recovered in Q3 and Q4 [6][22] - **Revenue Growth**: Anticipation of capital markets segment revenue growth returning to 6-7% organic range in the next year [22][23] Financial Metrics - **Margin Expansion**: Expected margin expansion of 60 basis points for the next year, with a reversal of M&A headwinds from the current year [26][31] - **Free Cash Flow**: Projected free cash flow conversion greater than 90% for the next year, driven by lower capital intensity and working capital benefits [37][40] TSYS Acquisition - **Strategic Importance**: The acquisition of TSYS is expected to enhance credit card processing capabilities, filling a significant product gap for FIS [18][45] - **EPS Impact**: TSYS acquisition expected to be slightly accretive to EPS in the first year [45][48] Tax Rate - **Current Rate**: Estimated tax rate of 13.5% for the next eight years, with current operations at 12% [50][52] Additional Insights - **Government Shutdown**: No impact observed on banking or capital markets businesses due to the recent government shutdown [25] - **Market Positioning**: FIS is focused on enhancing capabilities for smaller financial institutions to compete against larger banks and fintechs [21] Conclusion Fidelity National Information Services is positioned for growth in both its banking and capital markets segments, with a strong focus on recurring revenue and strategic acquisitions. The company is optimistic about its financial metrics, including margin expansion and free cash flow conversion, while maintaining a sustainable tax rate.

Core Points - Halper Sadeh LLC is investigating potential breaches of fiduciary duties by certain officers and directors of Fidelity National Information Services, Inc. (NYSE: FIS) [1] - Long-term shareholders of Fidelity may seek corporate governance reforms, financial incentives, or other benefits through legal action [2] - Shareholder involvement is emphasized as a means to improve company policies and enhance shareholder value [3] Company Information - Halper Sadeh LLC represents global investors affected by securities fraud and corporate misconduct, recovering millions for defrauded investors [4] - The firm operates on a contingent fee basis, meaning shareholders would not incur out-of-pocket legal fees [2]

Core Insights - Fidelity National Information Services, Inc. (FIS) has made a significant advancement to its FIS Asset Finance solution with a new SaaS-based cloud offering tailored for the U.S. consumer auto finance market, enhancing lifecycle support for loans and leases [1][8] - The company's shares experienced a slight decline of 0.8% on November 19 [1] Group 1: Product Enhancement - The upgraded FIS Asset Finance solution automates manual workflows, improving operational efficiency and reducing burdens, while providing complete lifecycle management from origination to remarketing within a single ecosystem [2][8] - The API-driven flexibility and digital-first approach allow lenders to offer personalized borrower experiences, enabling seamless self-service access for consumers [3][8] Group 2: Market Context - The enhancement addresses rising customer expectations, regulatory changes, increasing operational costs, and challenges posed by legacy infrastructure in the asset finance and auto lending sectors [4][8] - The upgradation is expected to lead to increased utilization of the FIS Asset Finance solution, potentially driving revenue growth for the company [5] Group 3: Company Performance - FIS reported a 4.5% year-over-year increase in total revenues for the first nine months of 2025 [5] - The company continues to invest in advanced technologies and expand its offerings through software improvements and strategic acquisitions [6] Group 4: Stock Performance - FIS shares have declined by 9.9% over the past three months, while the industry has seen a larger decline of 17.7% [7]

Group 1 - The article does not provide any specific content related to a company or industry [1]

Core Insights - Fidelity National Information Services, Inc. (FIS) has launched its GETPAID and Treasury Risk Manager Integrity Edition solutions on the Microsoft Marketplace, enhancing accessibility to advanced treasury, receivables, and risk management tools for financial institutions globally [1][8] Product Offerings - Treasury Risk Manager Integrity Edition aids organizations in managing liquidity, market risks, and regulatory requirements with improved accuracy, featuring AI-powered Treasury GPT for real-time insights and automation [2] - GETPAID streamlines the receivables process, covering credit assessments, collections, and dispute handling, and is designed to reduce friction in accounts receivable operations while accelerating cash conversion cycles [3] Strategic Integration - The listing of these solutions on the Microsoft Marketplace facilitates global adoption through streamlined procurement and quicker deployment, allowing businesses to adapt their infrastructure flexibly within Microsoft's cloud ecosystem [4] Financial Performance - FIS reported a 4.5% year-over-year revenue growth in the first nine months of 2025 and anticipates a revenue growth of 5.4-5.7% for the full year [5] - Year-to-date, FIS shares have declined by 18%, contrasting with the industry average decline of 6.2% [6]

Core Insights - The CEO of FIS, Stephanie Ferris, has highlighted significant accomplishments over the past three years, including the separation from Worldpay and a strategic realignment for future growth [1][2] - The company is optimistic about its position in the fintech sector, emphasizing the foundational work done that will support advancements in technologies such as AI and tokenized deposits as it moves towards 2026 and beyond [2] Company Developments - FIS has successfully completed the separation from Worldpay, which is a major milestone for the company [1] - The company is focusing on infrastructure improvements and strategic initiatives that will enable it to leverage advanced technologies in the future [2] Industry Outlook - The fintech industry is experiencing a transformative period, with companies like FIS preparing to adopt scaled technologies that will enhance their service offerings [2] - There is a strong emphasis on innovation within the industry, particularly in areas such as artificial intelligence and digital financial solutions [2]

Summary of Fidelity National Information Services (FIS) 2025 Conference Call Company Overview - **Company**: Fidelity National Information Services (NYSE: FIS) - **Industry**: FinTech, Financial Services Key Points and Arguments Current Business State and Strategy - CEO Stephanie Ferris expressed excitement about the company's position and the work done over the past three years, focusing on infrastructure and future technologies like AI and tokenized deposits [4][5] - The "future forward strategy" emphasizes three core areas: client-centricity, innovation, and simplicity, aiming to enhance client service and product delivery [5][6] - The company aims for durable revenue growth and profitable margins, focusing on return on invested capital [6][7] Competitive Landscape - The banking segment is experiencing positive trends, including reduced regulatory pressures, increased M&A activity, and significant investments in digital products and services [9][10] - FIS has repositioned itself to serve financial institutions, moving away from its payments business [9][10] - The fintech industry remains competitive but rational, with FIS focusing on high-margin, recurring revenue products [12][14] Pricing Environment - The pricing environment for new business remains competitive, but FIS has seen net pricing as a tailwind due to effective client retention and cross-selling strategies [13][14] - FIS's banking clients typically utilize an average of 26 products, highlighting opportunities for cross-selling [13][14] Banking Segment Performance - FIS reported strong growth in its banking business, driven by net new sales and increased account activity [16][17] - Consumer spending and digital account growth are also strong, contributing to positive performance [17] Digital Capabilities and Acquisitions - FIS has invested in digital capabilities, including the acquisition of Dragonfly to enhance commercial banking services [20][21] - The recent acquisition of Amount is expected to improve digital account opening capabilities, addressing significant fraud concerns [23][24] Office of the CFO as a Growth Vector - FIS is focusing on providing integrated treasury management solutions for CFOs, leveraging AI to enhance cash flow management [26][27] M&A Strategy - The company is pursuing an opportunistic M&A strategy, focusing on digital payments and lending capabilities as key areas for growth [45][48] - The upcoming TSYS issuer transaction is expected to enhance FIS's credit card processing capabilities and generate significant cash flow [32][33][35] AI and Technology Adoption - FIS views AI as an opportunity, with banks adopting technology faster than ever, particularly in areas like underwriting and KYC [51][52] - The company is integrating AI into its products to enhance client service and operational efficiency [53][54] Stablecoins and Digital Currency - FIS is not planning to issue a stablecoin but aims to enable financial institutions to offer digital currency capabilities through its Money Movement Hub [56][57] Investor Sentiment - Despite positive developments, the stock performance does not reflect the company's momentum, with the CEO suggesting that investors may be missing the underlying growth algorithm [60][61] Additional Important Insights - The company emphasizes cultural integration post-M&A as a critical success factor, focusing on aligning values and client-centric approaches [40][41] - FIS is committed to transforming its operations and positioning itself as a leading player in the fintech industry, aiming for double-digit earnings growth [62][63]