FIS

Name

FIS

Legal name

Fidelity National Information Services Inc.

Website

https://fisglobal.com

Company type

Public

Founded year

1968

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

FIS is a global financial technology company providing core banking, payments, capital markets, and wealth management software to over 20,000 financial institutions across 150+ countries, processing more than $16 trillion in annual transactions.

Ownership category

akta.pro rank

Product category

Financial Technology Software (Banking and Capital Markets)

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Pension Funds (525110), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Finance Services (6199)

akta.pro primary industry

Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

akta.pro secondary industries

Trade Finance & Supply Chain Finance Platforms (FSAGAJAL), Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH), Multi-Currency Accounts, Wallets & FX Management (Consumer/SME) (FSAGAKAF)

Keywords

• Core banking software
• Payment processing
• Capital markets technology
• Financial software platforms
• Merchant payment solutions

Headquarters

HQ city

Jacksonville

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Banking Solutions: Core banking platforms, digital banking solutions, and payment processing for financial institutions. Includes the Total Issuing Solutions (TSYS) acquisition expanding issuer processing capabilities. Revenue driven by platform fees, transaction processing, and software licensing.
2. Merchant Solutions: Payment processing and merchant services enabling businesses to accept and process payments across multiple channels.
3. Capital Markets Solutions: Trading, risk management, compliance, and asset servicing technology for capital markets participants including asset managers, investment banks, and trading firms.
4. Global Retirement: Record-keeping platform for defined contribution industry supporting 68 million participants across 650 clients, facilitating $9 trillion in annual transactions.
5. Code Connect API Platform: Subscription-based API marketplace enabling fintech integrations, representing the company's shift toward recurring, cloud-based revenue.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

FIS provides enterprise financial technology software platforms and services to banks, credit unions, merchants, capital markets firms, and wealth/retirement institutions globally. Core offerings include core banking platforms (HORIZON), commercial lending solutions, capital markets compliance and risk platforms, payment processing infrastructure, retirement record-keeping, and digital wealth solutions, complemented by the Code Connect API marketplace enabling fintech integrations. The company also delivers emerging capabilities including the LYRIQ digital money platform for tokenized deposits, Project Keystone bank-owned digital money network, and AI-powered financial crimes agents built with Anthropic.

Product overview

FIS is a global financial technology company providing a comprehensive platform-plus-modules architecture spanning the full money lifecycle (Money at Rest, Money in Motion, Money at Work). The core offerings include FIS HORIZON as the flagship core banking platform, the Commercial Lending Suite with six integrated solutions (Origination Suite, SyndTrak, LendAmend, Commercial Loan Servicing, and Trade & Distribution Manager), and Capital Markets platforms including the Post Trade Processing Platform, Market Data Analyzer, Enterprise Risk Suite with Balance Sheet Manager and Investment Risk Manager, and Corporate Actions Solutions. Wealth and retirement capabilities include Digital Wealth Solutions (with InvestCloud), Global Retirement Platform, and trust accounting systems (Global Plus, Charlotte, AddVantage, TrustDesk, Relius). Payment solutions encompass NYCE Payments Network, Code Connect API platform, Money Movement Hub, Open Payment Framework, and card programs (Premium Payback, BillerIQ). The company also offers LYRIQ for digital money/tokenized deposits and Project Keystone for bank-owned tokenized deposit networks. Cloud-based offerings include Data Integrity Manager for reconciliation and treasury solutions (Treasury and Risk Manager), with strategic partnerships for AI (Anthropic Financial Crimes AI Agent), wealth management (InvestCloud), loan origination (Fuse), and market data (QUODD).

Differentiator

Problem solved

Functional benefit

Brands

• FIS Horizon: Core banking platform providing AI-ready infrastructure and open APIs for community and regional banks
• Worldpay
• Digital One
• Code Connect
• FIS Trade & Distribution Manager
• Total Issuing Solutions
• Lyriq
• FIS Global Retirement
• Supply Chain Finance Platform
• Enterprise Risk Suite

Products and services

• FIS HORIZON AI-ready core banking platform providing open APIs for fintech connectivity, real-time payments, and embedded finance capabilities for community and regional banks.
• Digital One Single software platform for digital banking transformation with modern user interface and managed security, risk, and compliance.
• Origination Suite

Quantifiable outcome

• Compresses AML investigation time from hours to minutes
• +5 more outcomes

Named customers17 records

Segments8 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability10 records

Feature10 records

Partnerships

Twelve partnerships are on record, tiered strategic, core and minor.

• First Commerce BankstrategicTechnology or Integration · 17 June 2026First Commerce Bank in New Jersey, with $1.8 billion in total assets, is migrating to the FIS HORIZON core banking platform to accelerate adoption of new AI capabilities. The bank had previously maintained a long-standing core banking agreement with Fiserv for its Premier platform. The migration will be partially funded by a $40 million private placement of subordinated debt issued by the bank's holding company, First Commerce Bancorp.
• QUODDcoreTechnology or Integration · 10 June 2026FIS partnered with QUODD to deliver the QX Digital Platform to FIS's Wealth Trust client base. QUODD provides cloud-native market data solutions with its proprietary Quasar technology stack aggregating over 250 global data sources and 250 billion data points, processing more than 350 billion data requests weekly for over 250 financial institutions. QUODD won the 2026 FTF News Technology Innovation Award for Best Cloud & Infrastructure Modernization Solution.
• FusecoreStrategic or Co-development Partner · 8 June 2026Strategic alliance to deliver a next-generation loan and lease origination platform for indirect auto and equipment lenders in the U.S. and Canada. The partnership integrates Fuse's cloud-native origination platform with FIS Asset Finance and FIS AutoSuite, creating an end-to-end origination-to-servicing ecosystem. The platform enables lenders to update policies, pricing, and procedures independently through an open API framework and self-serve API builder, reducing manual underwriting touchpoints while providing dealers with real-time application status visibility.
• KalshiminorGTM or Marketing Partner · 1 June 2026FIS partnered with prediction market platform Kalshi to enable institutional adoption of prediction markets. FIS completed the first-ever block trade on a prediction market platform in April 2026. This partnership positions FIS to serve the emerging prediction market infrastructure needs of institutional investors.
• InvestCloudcoreStrategic or Co-development Partner · 21 May 2026Long-term partnership to launch 'FIS digital wealth solutions,' combining InvestCloud's Advisor Workspace and Client Experience capabilities with FIS's core processing platforms. The solution enables financial institutions to offer connected digital experiences spanning mobile access, secure messaging, and account aggregation while modernizing front office without replacing existing infrastructure. FIS serves over 600 financial institutions with approximately $5.5 trillion in assets through this partnership.
• BankSouthstrategicTechnology or Integration · 20 May 2026BankSouth, a community bank with approximately $1.6 billion in assets in Georgia, selected FIS as its core banking platform provider, migrating to the FIS HORIZON system across retail and business banking operations. The bank aims to leverage AI-powered tools for fraud prevention, predictive analytics, and new payment capabilities through FIS HORIZON and the Code Connect API marketplace. Implementation is expected to be carried out by Sequence Holdings.
• GlencorecoreTechnology or Integration · 13 May 2026FIS's Supply Chain Finance Platform was selected by Glencore PLC to support a landmark $2.55 billion trade receivables securitization program for its oil and gas commodity business, backed by a consortium of six leading financial institutions. FIS provides technology infrastructure, real-time monitoring and reporting capabilities, and operational support across multiple jurisdictions. This represents one of the largest oil and gas trade receivables transactions ever executed, demonstrating advanced structured finance practices.
• Commonwealth Bank of Australia (CBA)coreTechnology or Integration · 10 May 2026CBA, Australia's largest bank, selected FIS Data Integrity Manager solution for streamlining bank reconciliations. The SaaS-based platform, delivered via Microsoft Azure, will process over 150 million transactions daily on a single unified system, replacing multiple legacy reconciliation processes. The partnership forms part of CBA's broader infrastructure modernization including migrating its banking platform from SAP to AWS Cloud and appointing its first chief AI officer.
• AnthropiccoreStrategic or Co-development Partner · 4 May 2026Strategic partnership to co-develop AI agents for regulated banking operations. The initial product is a Financial Crimes AI Agent built on Anthropic's Claude AI models that automates anti-money laundering investigations, compressing review time from hours to minutes. Anthropic's Applied AI team and forward-deployed engineers are embedded at FIS to co-design solutions and transfer knowledge. BMO and Amalgamated Bank are design partners, with broader availability planned for H2 2026. Future AI agents will cover credit decisioning, deposit retention, customer onboarding, and fraud prevention.
• Project Keystone Partners (Citizens, Fifth Third, Huntington Bank, KeyBank, M&T Bank)coreStrategic or Co-development Partner · 30 April 2026FIS announced Project Keystone, a bank-owned and bank-administered network for digital money built on regulated deposits, in partnership with five U.S. financial institutions: Citizens, Fifth Third, Huntington Bank, KeyBank, and M&T Bank. The network will enable participating banks to issue, transfer, and settle regulated deposits in digital form on shared infrastructure they control directly, eliminating partial settlement failures that slow conventional interbank settlement. Transactions on the network will either settle completely or not at all.
• CirclecoreTechnology or Integration · 29 April 2026FIS partnered with Circle for USDC stablecoin payments as part of its digital assets portfolio expansion. The Lyriq platform supports digital money including tokenized deposits and digital currencies while keeping deposits on bank balance sheets. Circle's USDC stablecoin payments integration complements FIS's Money Movement Hub for cross-border transactions.
• ProxymitystrategicTechnology or Integration · 29 April 2026FIS partnered with Proxymity, a digital investor communications platform, to deliver FIS Proxy Voting by Proxymity to M1. The cloud-based solution replaces batch-type systems with real-time, secure communication between issuers, intermediaries, and investors, helping M1 modernize its operations while meeting regulatory requirements. This is part of the FIS Asset Servicing Management Suite.

Scale indicators14 records

Recent moves8 records

Expansion highlights6 records

Emerging players

• Marqeta: Marqeta is a modern card-issuing platform that competes with FIS Total Issuing Solutions in the modern, API-first card issuance space. While smaller and more focused, it represents the AI/cloud-native challenger segment that could pressure FIS's issuer processing franchise.
• Thought Machine: Thought Machine provides cloud-native core banking technology (Vault) and is a leading AI-first challenger targeting banks that might otherwise choose FIS HORIZON or compete with FIS's legacy core. Represents the emerging wave of cloud-native core banking platforms.

Broad incumbents

• Global Payments: Global Payments is a broad payments incumbent and the seller of TSYS to FIS. It competes in merchant acquiring and payment processing, and the divestiture of issuer processing to FIS removed the head-to-head competition in card issuing, creating a strategic gap in its portfolio.
• Adyen: Adyen is a global payments platform serving large merchants and platforms with unified online, in-store, and marketplace payment processing. While more merchant-focused than FIS, it competes for the same large enterprise payment processing relationships FIS historically served through Worldpay.

Direct peers

• Fiserv: Fiserv is FIS's closest direct competitor, offering core banking platforms (Premier), merchant acquiring (Clover), and payment processing for banks and merchants. First Commerce Bank's recent switch from Fiserv Premier to FIS HORIZON directly illustrates the head-to-head competitive dynamic in core banking.
• Broadridge Financial Solutions: Broadridge competes directly with FIS's Capital Markets and Wealth segments, including post-trade processing, proxy voting (where FIS partners with Proxymity), asset servicing, and wealth management technology. Both serve large broker-dealers and asset managers globally.
• NCR Atleos: NCR Atleos provides banking and ATM/self-service technology to financial institutions, overlapping with FIS's banking technology offerings and merchant solutions. Both serve the operational infrastructure layer of retail banks.
• SS&C Technologies: SS&C competes in fund administration, asset servicing, wealth management, and capital markets technology — overlapping with FIS Global Retirement, trust platforms, and post-trade processing. Both serve large financial institutions with mission-critical back-office software.
• Temenos: Temenos provides core banking, wealth, and fund administration software globally, directly competing with FIS HORIZON particularly outside the US. Both target retail, private, and corporate banks with digital banking and open API platforms.
• Jack Henry & Associates: Jack Henry competes directly with FIS HORIZON in core banking for community and regional banks, and overlaps in payments, lending, and digital banking solutions. As a similarly scaled public fintech with comparable target customer segments, it is FIS's most direct competitor in the US community bank market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat8 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/FISGlobal
• Facebookfacebook.com/fistoday
• LinkedInlinkedin.com/company/3128

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles22 records

Subsidiaries13 records

Funding overview

Funding rounds3 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A30 records

Investments24 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FIS