Core Insights - Dinari is collaborating with Chainlink to launch the S&P Digital Markets 50 Index, which will focus on blockchain-related equities and is expected to be operational by the end of the year [1][2]. Group 1: Index Details - The S&P Digital Markets 50 Index will consist of 35 U.S. listed firms connected to blockchain and 15 major digital assets, although the official asset list has not yet been released [3]. - After the index is established, Dinari will tokenize it using its dShares platform, ensuring a 1:1 tokenization ratio with shares held by a regulated custodian [3]. Group 2: Technology and Data Integration - Chainlink will provide real-time pricing and performance data for the index, creating a transparent on-chain benchmark that aligns with the off-chain index [4]. - The collaboration aims to enhance the reliability and integrity of tokenized benchmarks, reflecting a growing trend of integrating traditional financial systems with blockchain technology [4]. Group 3: Industry Context - The tokenization of equities has gained traction this year, with other firms like Backed and Robinhood also launching tokenized equity offerings [5]. - FTSE Russell has announced its partnership with Chainlink to publish market index data on blockchain networks, indicating a broader industry movement towards blockchain integration [6].

Accessibility StatementSkip Navigation NEW YORK, Nov. 5, 2025 /PRNewswire/ -- Wahed, a global leader in Shariah-compliant digital investing, together with KraneShares, a specialist in innovative, research-driven exchange-traded funds (ETFs), is proud to introduce the KraneShares Wahed Alternative Income Index ETF (NYSE: KWIN). This fund is designed to offer investors an innovative and Shariah-compliant approach to generating alternative income. Shariah Compliant Alternative Income Without Compromise The Fun ...

Core Viewpoint - Fiserv, Inc. is facing a class action lawsuit due to misleading statements made during the Class Period from July 23, 2025, to October 9, 2025, which resulted in investors purchasing securities at inflated prices [1][3]. Summary by Relevant Sections Class Action Details - The class action is on behalf of investors who bought Fiserv securities during the specified Class Period, with a deadline of January 5, 2026, for filing a lead plaintiff motion [1]. - Investors are encouraged to contact the Portnoy Law Firm for legal rights discussions and case evaluations [2]. Allegations Against Fiserv - The lawsuit alleges that Fiserv made misleading statements regarding its initiatives and projects, particularly during a guidance revision in July 2025 [3]. - Fiserv claimed that despite delays in certain initiatives, they were fundamentally sound, which was later revealed to be false [3]. - The company's guidance was based on assumptions that were difficult to achieve, leading to artificially inflated security prices and subsequent damages when the truth was disclosed [3]. Legal Representation - The Portnoy Law Firm specializes in representing investors affected by corporate wrongdoing and has a history of recovering over $5.5 billion for clients [4].

Group 1 - Fidelity National Information Services, Inc. (FIS) has experienced a significant decline in share value, losing 30% over the past year [1] - Concerns regarding long-term growth in the payments sector are prevalent, particularly due to competition from fintech companies [1] - The sentiment around FIS has been negatively impacted by these ongoing growth concerns [1]

Financial Data and Key Metrics Changes - The company reported record first-quarter non-GAAP revenue of $636 million, an increase of 8.7% compared to the same quarter last year, exceeding the anticipated growth of 7-7.5% [4][19] - Non-GAAP operating margin improved to 27.2%, reflecting a margin expansion of 227 basis points year-over-year [4][19] - GAAP revenue increased by 7%, while non-GAAP revenue rose by 9%, with a notable impact from the timing of the Connect client conference [19][20] Business Line Data and Key Metrics Changes - The core segment saw non-GAAP revenue growth of 6%, with operating margins increasing by 114 basis points [24] - The payment segment experienced an 8% increase in non-GAAP revenue, with a 170 basis points improvement in operating margins [24] - The complementary segment achieved a 9% increase in non-GAAP revenue, along with a 75 basis points margin expansion [24][16] Market Data and Key Metrics Changes - The number of financial institutions using faster payment solutions like Zelle, RTP, and FedNow increased by 20%, 25%, and 32% respectively over the past year [15] - Payment transaction volume through these channels surged by 55% compared to the previous year [15] - The Banno digital platform registered 14.7 million users, a 15% increase from 12.7 million users a year ago [17] Company Strategy and Development Direction - The company is focusing on migrating clients to its private cloud, with 77% of core clients now operating in this environment, which generates approximately twice the revenue compared to on-premise clients [5] - The acquisition of Victor Technologies is aimed at enhancing payment capabilities and creating new revenue streams [9][10] - The company is actively developing solutions for stablecoin and has completed a proof of concept for USDC transactions [10] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the overall performance and future growth, citing strong demand for technology solutions among clients [19][28] - The company anticipates continued investment in technology by clients, with 71% of banks reporting increased technology budgets for fiscal year 2025 [17] - Management noted that the competitive landscape remains stable, with no significant increase in pricing pressure [32] Other Important Information - The company ended the quarter with minimal debt and plans to remain debt-free barring any acquisitions [25] - The updated fiscal 2026 guidance includes an increase in GAAP revenue growth to a range of 4.9%-5.9% and non-GAAP revenue growth to 6%-7% [26][27] - The company is celebrating the 40th anniversary of its IPO with a bell ringing at NASDAQ [18] Q&A Session Summary Question: Sustainability of Margin Expansion - Management indicated that margin expansion is expected to continue due to disciplined spending and efficiencies from AI [30] Question: Competitive Environment and Core Conversions - Management noted that while there is ongoing core consolidation in the market, they do not see a significant increase in competitive pressure [32] Question: Sales Momentum and Private Cloud Conversions - Management confirmed that they expect to maintain a strong pipeline for private cloud migrations, with continued focus on selling outside the core [34][36] Question: Impact of M&A on Recurring Revenue - Management expects the number of core activity to remain stable despite M&A activity, with a strong pipeline supporting this outlook [38][40] Question: Trends in Customer Demand for Deposits and Lending - Management highlighted that maintaining deposit growth is currently a priority for clients, alongside increasing lending opportunities [44][46] Question: Revenue Growth and Pricing Compression - Management acknowledged that pricing compression has been a headwind but noted stabilization in pricing and improved sales processes [47][49] Question: Performance of New Payment Solutions - Management expressed optimism about the long-term growth potential of new payment solutions like Tap-to-Local and Rapid Transfers [55][57]

Accessibility StatementSkip Navigation LAS VEGAS, Nov. 5, 2025 /PRNewswire/ -- Grow Capital, Inc. (OTCID: GRWC) ("Grow Capital" or the "Company") a Nevada-based fintech company, today announced the appointment of Aaron Bradford ("Bradford") as the Company's Chief Technology Officer (CTO). In this role, Bradford will lead the Company's technology strategy, platform development, and innovation initiatives across an expanding portfolio of financial and retirement-technology products. "Aaron Bradford's appoint ...

Core Insights - Diebold Nixdorf, Incorporated is on track to meet its three-year plan objectives, focusing on operational and financial strengthening, leading to sustainable growth and positive cash flow [1][5] - The company achieved positive free cash flow for four consecutive quarters and received a credit rating upgrade from Standard & Poor's, reflecting its strong financial position [2][23] - Total revenue grew by 2% year-over-year and 3% sequentially, with significant contributions from the retail sector, which saw an 8% increase in revenue [3][14] Financial Performance - Operating profit increased by 4% year-over-year and 19% sequentially, with adjusted earnings per share rising to $1.39, up over $1 year-over-year and approximately 50% sequentially [3][19] - Product orders grew by 25% year-over-year, with a backlog of approximately $920 million, indicating strong demand across banking and retail sectors [4][14] - Free cash flow nearly doubled sequentially to approximately $25 million, marking a significant improvement in working capital management [20][19] Strategic Initiatives - The company announced a new $200 million share repurchase program, demonstrating confidence in its long-term value and commitment to returning capital to shareholders [2][24] - Investments in technology and service enhancements are aimed at improving customer experience and operational efficiency, particularly in branch automation solutions [6][10] - The launch of a comprehensive branch automation solution is expected to redefine banking operations, helping banks reduce costs and improve efficiency [6][10] Market Trends - The retail segment is experiencing a recovery, with strong order entry growth of 40%, reflecting solid demand and execution [3][4] - The banking sector continues to show steady performance, with expectations for ongoing ATM refresh activity and the introduction of teller cash recyclers [21][26] - Geographic diversity in operations is providing resilience, with strong performance noted in North America and Europe, while Latin America is expected to improve in the coming quarters [48][51] Operational Efficiency - The company is focused on reducing SG&A expenses, with a target of achieving $50 million in net run rate savings next year through disciplined cost actions [18][19] - Manufacturing operations have seen improvements in lead times and quality, contributing to overall operational efficiency [11][19] - Continuous improvement initiatives are being implemented across the organization to enhance efficiency and effectiveness [11][12]

Core Insights - AppTech Payments Corp. has announced the acquisition of InfinitusPay, enhancing its Banking-as-a-Service (BaaS) platform and focusing on scalable revenue growth [1][2] - The acquisition is seen as a pivotal step in advancing AppTech's capabilities in delivering embedded financial solutions and expanding its digital commerce reach [2] - InfinitusPay brings technological and sales talent, a growing customer portfolio, and profitable operations to AppTech [2] Company Overview - AppTech Payments Corp. provides digital financial services through a scalable cloud-based platform for financial institutions, corporations, small and midsized enterprises, and consumers [3] - The company's patented technology and strategic partnerships facilitate frictionless commerce across various verticals [3]

Core Viewpoint - A securities fraud class action has been filed against Fiserv, Inc. following a 47% drop in its share price due to disappointing Q3 2025 financial results and significantly lowered guidance [1][2]. Financial Performance - Fiserv revised its 2025 organic revenue guidance to 10%, which is the low end of its previous range, and adjusted its EPS guidance upward to $10.15 on July 23, 2025 [5]. - On October 29, 2025, Fiserv reported a sequential decline in Q3 2025 adjusted revenue, slashing organic revenue growth expectations to 3.5%-4% and EPS outlook to $8.50-$8.60 [7]. Management and Corporate Governance - Fiserv's CEO, Michael Lyons, indicated that the company conducted a rigorous analysis of its operations, revealing that the growth assumptions in the original guidance were overly optimistic and difficult to achieve [8]. - The company announced a shake-up in its board of directors, including the departure of its chief financial officer and the head of the audit committee, effective January 1, 2026 [7]. Legal Proceedings - The class action lawsuit seeks to represent investors who acquired Fiserv securities between July 23, 2025, and October 29, 2025, alleging that Fiserv misled investors regarding its financial performance [2][4]. - Hagens Berman is investigating allegations that Fiserv may have intentionally misled investors about its business state and growth prospects [3][9].

Financial Performance - Q3 2025 - Adjusted revenue grew by 6.3% to $2.7 billion[27] - Adjusted EBITDA increased by 7.1% year-over-year, reaching $1.1 billion, with a margin of 41.8%[27] - Adjusted EPS grew by 7.9% year-over-year to $1.51[9, 27] - Adjusted Free Cash Flow (FCF) conversion was 142%, leading to an increased share repurchase target of $1.3 billion for 2025[12] Segment Performance - Q3 2025 - Banking Solutions adjusted revenue grew by 6.2%, with recurring revenue up by 6.0%[31] - Capital Markets adjusted revenue increased by 6.4%, with recurring revenue up significantly by 12.6%[31] Financial Outlook - 2025 - Full-year revenue outlook raised to $10.595 - $10.625 billion, reflecting strong Q3 performance and M&A activity[34] - Adjusted EBITDA outlook increased to $4.330 - $4.345 billion[34] Strategic Highlights - Strong recurring revenue growth of 6.4% across the company[12] - Digital user growth increased by 33% year-to-date[20] - Debit transaction growth increased by 6% year-to-date[23]