| 机器之心报道 | | --- | 机器之心编辑部 以前，每当上线一个新模型，大家总要绞尽脑汁想个响亮又不撞车的名字。 不得不说，有时候名字起得太出彩，甚至能把模型本身给卷下去。别人还没搞懂它能干嘛，名字已经在朋友圈刷屏了。 不过现在，大家的创意又放飞起来了，尤其是那些还没正式上线的神秘模型。不管是动物，还是水果都能被拿来命名。刮起这波命名潮流的，毫无疑问是 OpenAI 率先下场的草莓 Strawberry，当时 Sam Altman 一张草莓图就引发了广大网友热议： 在这之后，彷佛这种命名方式成为一种趋势，如 AI 初创公司 Recraft 神秘模型「red_panda」（小熊猫），再到最近的谷歌「Nano Banana」。 你别说，这些可可爱爱的名字真的把大模型带到一个新的高度。就拿火出圈的 Nano Banana 来说，公开后其实有正式的名字 Gemini 2.5 Flash，但大家更喜欢叫它 Nano Banana。 就在刚刚，我们又发现了一个新的神秘模型： Carrot（胡萝卜），代码能力超级强 。 看来大家的起名方向开始转向蔬菜了。你别说，名字起得随意，模型能力可一点不差。 这款神秘模型来自 ...

Summary of Fiserv (FI) FY Conference Call - May 20, 2025 Company Overview - **Company**: Fiserv (FI) - **Key Executives**: Bob Howe (CFO), Takis Gerokopoulos (COO) Core Industry Insights - **Industry**: Financial Technology and Merchant Services - **Focus**: Payment processing, merchant acquiring, and financial solutions Key Points and Arguments Clover Performance - Clover is projected to achieve $3.5 billion in revenue for the year, with a reaffirmed commitment to organic revenue growth in the merchant and financial services sectors [4][18] - Clover reported a **27% revenue growth** in Q1, following a **30% growth** in the same quarter of the previous year [5] - The company expects low double-digit growth in GPV (Gross Payment Volume) for Q1 and Q2, despite an 8% outlook being a surprise to investors [6][17] Gateway Transition - The transition to a new gateway was driven by operational efficiency and cost savings, not by increasing volume or revenue [8] - The movement of merchants to the new Clover gateway began in late 2023 and peaked in Q1 2024 [9] Market Position and Growth Opportunities - Fiserv has a **single-digit market share** in the merchant services space, indicating significant growth potential [12][32] - The company is focused on expanding its distribution channels and enhancing its product offerings, including international expansion and new software capabilities [15][32] Consumer Spending Environment - There is a modest slowdown in consumer spending, with a shift from discretionary to non-discretionary spending [25][26] - Fiserv's merchant acquiring business is well-diversified, with approximately **50% of revenue** coming from discretionary spending and **50% from non-discretionary** [27] Software and Service Innovations - Fiserv aims to increase its software attach rate to **27% by 2026**, currently in the mid-twenties [29] - New capabilities such as Cash Flow Central and partnerships with ADP are expected to enhance service offerings and client engagement [30][44] Competitive Landscape - The recent consolidation in the industry does not significantly impact Fiserv, which maintains a clear roadmap and investment strategy [67] - Fiserv is positioned uniquely at the intersection of banking and commerce, leveraging its extensive data capabilities as a competitive differentiator [68][70] Future Outlook - The company is optimistic about its trajectory, with plans to continue innovating and expanding its service offerings [30][32] - Fiserv is focused on enhancing its embedded finance capabilities and exploring new market opportunities, particularly in healthcare and e-commerce [33][34] Conclusion - Fiserv is committed to delivering on its growth targets and enhancing its product offerings through strategic partnerships and innovations in technology, positioning itself for future success in the financial technology sector [72]