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Fintech for the Ultimate Retail Experience
RETAIL INNOVATION
UNLEASHED
Is your tech innovation strategy keeping pace with evolving customer expectations?
Retailers looking for innovative fintech solutions that reimagine the customer experience, strengthen loyalty and drive growth turn to FIS®. Since 1968, we’ve been partnering with businesses to push the limits of financial technology.
In this era of rapid change and heightened competition, only the bold survive – and thrive. We help you stay ahead of the curve with big ideas and the latest tech innovations to
BOLD IDEAS. BOLD RESULTS.
With innovative technology and services,
we empower people and processes across the retail industry.
Propelling Retail Growth
To drive your growth strategy, you need a financial technology partner that can deliver a wide range of
future-proof solutions that help you quickly adapt to and adopt tech innovation.
INNOVATION THAT ELEVATES YOUR RETAIL BUSINESS
Receivables:
Cash Flow Ecosystem
FIS FOR GLOBAL FINANCIAL INSTITUTIONS
Enterprise payments
Cards and money movement
Compliance, fraud prevention and security
Wealth and retirement
Customer channels and communications
Lending and leasing
Core banking
Hover and click to discover more . . .
With all the primary records of customers, accounts and transactions, the core system remains the beating heart of the bank. But cores are increasingly expected to work harder than ever and interact with customers in real time, 24/7, on any device. Can your core handle the pressure to deliver a consistently compelling customer experience?
CORE BANKING
Drive digital transformation to the core.
Add more value with every loan and lease.
LENDING AND LEASING
Why would your customers go anywhere else?
CUSTOMER CHANNELS AND COMMUNICATIONS
Don’t let legacy tech hold you back.
WEALTH AND RETIREMENT
What’s not to like?
COMPLIANCE, FRAUD PREVENTION AND SECURITY
Who said digitization doesn’t pay off?
ENTERPRISE PAYMENTS
Let’s keep changing how money moves.
CARDS AND MONEY MOVEMENT
For more than half a century, we’ve helped retailers around the globe create fast, secure and intuitive commerce experiences for billions of customers.
POWERFUL PARTNERSHIPS
Trusted innovation
Strategic growth
Proven performance
Challenge
With our modern core banking solutions and unmatched industry knowhow, we’ve helped many of the world’s top banks flex to the challenges of the digital age and meet local needs globally.
Choose either an integrated or a componentized solution to build a cloud-enabled platform that suits your business. You can rapidly extend your services by integrating our next generation components with APIs and configuring them easily to your requirements. And as well ensuring secure, resilient and compliant core processing, you can connect to third-party vendors and create more unique digital services.
solution
Become even more efficient, agile and customer-centric. Now you can support new business models and respond to evolving customer needs quickly, effortlessly and cost effectively – without complex coding or disrupting other areas of core banking.
Payoff
payoff
solution
Challenge
Streamline your operations with flexible AI-powered technology and gain new business opportunities by driving faster, deeper risk analytics and delivering a superior customer experience across multiple channels.
For both lending and leasing, we can help you expand your digital channels, automate workflow and better connect processes.
Through buy now, pay later or embedded finance solutions, you can provide credit at the point of need. With our single modular platform for commercial lending, you can get a 360° view of customers and assess credit risk in detail across your portfolio. And with integrated components, an end-to-end platform or a managed service for asset finance, you can support the whole leasing journey seamlessly and easily configure our technology to your needs.
Whether you’re lending to businesses or consumers, or leasing vehicles or equipment, your customers expect fast, convenient access to finance precisely when they need it. But as well as accelerating decision time with tech, you need a complete picture of your customers – not easy when data and business processes are fragmented across systems.
Optimize the customer experience at every touchpoint and keep both retail consumers and businesses coming back for more.
payoff
Across your customer channels, from branches and call centers to mobile, we’ll help you streamline and simplify your digital processes and keep them secure.
We provide a single, flexible platform for your assisted and unassisted channels to deliver a seamless customer experience on any device. We also offer easily integrated solutions for the nuts and bolts of your digital services, including account opening, e-signatures and chatbots.
Plus, we’ll help you unlock insights from your transaction data to better target your customer communications.
solution
However customers choose to access your services, you need to make their experience easy, smooth and safe. Digital channels will deliver, but only if you keep processes simple. And though you’ll get a wealth of transaction data in return, how can all that detail help you better understand your customers and communicate effectively with them?
Challenge
Succeed in an ultra-competitive market, accelerate growth and simplify compliance.
payoff
We deliver modern wealth and retirement solutions that give you the scalable and flexible technology you need to acquire, grow and manage investment assets and cater to every type of retirement plan and regulatory requirement.
Through as-a-service solutions, we can manage and continually develop that technology on your behalf, so you can rapidly add new services and integrate new partners. But whatever operating model you choose, we’ll transform how you connect with your customers and help you keep up with their shifting demands.
solution
With more generations of wealth owners to serve, your wealth management and retirement teams need to offer personalized and frictionless services that meet the needs of different customer demographics. Advanced digital capabilities are critical to adding value for investors and providing retirement plans that drive engagement, loyalty and growth.
Challenge
Keep regulators, auditors and customers happy with processes that are always compliant and safe, but fast and frictionless too.
payoff
With award-winning RegTech, we bring together data, technology, expertise and services to keep you secure and help you consistently achieve compliance.
We provide an AI-powered platform that solves multiple regulatory challenges, including anti-money laundering and communications surveillance. As well as keeping you ahead of regulations, it delivers a clear view of all your risks for more confident decisions.
And with fraud solutions, we make sure you strike the right balance between minimizing fraud and providing a seamless customer experience.
solution
Whether in the form of cybercrime, money laundering, fraud or market abuse, financial crime is a constant threat that needs careful surveillance, not least to comply with regulations. But with vast and disparate sets of data to manage, do you have enough visibility to stay on top of security risks and demonstrate compliant processes across your business?
Challenge
Give your customers even more new ways to pay and get paid – and continually improve their experience without overburdening your operations or increasing your risks and costs.
payoff
With ever-expanding global reach and diverse capabilities, we simplify money movement for your organization to help you create fast, effortless and frictionless omnichannel experiences for retail and business customers.
We support real-time, push-to-card and automated clearing house payments in more than 50 countries, with localized flexible funding and settlement in local currencies. And as well as handling most digital payment methods, we provide modern solutions for debit, credit and loyalty card issuing, processing, marketing and fraud protection.
solution
From cards and instant transfers to digital wallets, there are more ways to move money than ever and the traditional lines between banking, payments and commerce are dissolving. But convenience for customers can also mean operational complexity – and to process all those transaction types, you need the right combination of technology and expertise.
Challenge
Give your customers the payment experience they expect, be the first to market with added-value services and choose your preferred deployment option – from private cloud to a fully managed service.
payoff
Rather than taking a “big-bang” approach to updating your enterprise payments architecture, we can help you modernize in stages, using cloud-native technology and APIs to introduce new, transparent, simplified and automated payment systems at your own pace.
Our enterprise payment solutions consolidate international and domestic payments, and help you manage payment processes from customer interaction, order management and payment execution to fraud management.
solution
With customers expecting increasingly sophisticated digital experiences, financial institutions can no longer afford to delay the modernization of enterprise payments. But when you’re faced with legacy technology and siloed systems, a full-scale transformation that replaces all of your existing infrastructure in one go can take years to complete.
Challenge
Get in touch
Embed financial services into the customer journey
INTEGRATE SERVICES
Unlock seamless omnichannel user experiences
ENHANCE EXPERIENCE
Increase consumer card usage and wallet share
STRENGTHEN LOYALTY
Our advanced solutions have won awards and analyst approval across the financial services industry.
RECOGNIZED BY INDUSTRY EXPERTS
Connect with us
actuarial modeling solution of the year
Best cash and treasury management solution
IFRS 17 SOLUTION
OF THE YEAR
BEST-IN-CLASS PROVIDER FOR INVESTMENT ACCUNTING
Download the PDF version
FOR GLOBAL FINANCIAL INSTITUTIONS
Operations and managed services
Trading and investing
Treasury, risk and cash flow
Stay ahead without the headaches.
Get faster access to the latest versions of our solutions and the most advanced features around the clock, wherever your team is based. And through a transformed back office, achieve a best-in-class customer experience and reduce your total cost of operations.
payoff
Digital technology is our business. As well as providing your solutions, we can host, monitor, maintain and test them in a secure cloud environment, which we’ll design and continually optimize to meet your unique needs.
We also can help you streamline your back-office operations, bringing together expert knowledge and premier tools to redesign workflows, reduce manual intervention and optimize efficiency.
And through banking as a service, we can help you create new revenue streams by delivering embedded finance capabilities to non-financial firms.
solution
Your operations don’t run themselves – but don't you wish they would? With too many fragmented systems and manual processes to manage, your software also needs constant maintenance – and providing and running your own hardware can easily overstretch capital. You need digital technology to fire on all cylinders and drive innovation without draining your resources.
Challenge
OPERATIONS AND MANAGED SERVICES
Don’t just react to change – expect it.
Anticipate change throughout the investment life cycle, accelerate your time to market and better serve your customers, while staying on top of risk and regulation.
payoff
We have the vast experience, the depth and breadth of knowledge and the powerful technology to modernize, unify and simplify your trading and investment operations – from front to back and across all asset classes.
We provide innovative trading solutions that allow you to combat volatility with real-time controls, rich insight and reliable connectivity. We enable you to streamline securities lending with AI-driven technology. Plus, our derivatives clearing solutions will integrate seamlessly with your ecosystem for strength, scale and security.
solution
New asset classes like cryptocurrency. Fresh mindsets like ESG. Frequent volatility, mounting cyberthreats and constant risk. Few things change as fast and furiously as the complex world of trading and investing. And all the while, you need to meet the needs of increasingly sophisticated investors and meet heightened regulatory requirements.
Challenge
TRADING AND INVESTING
Take control of cash and risk.
Drive down costs and risk, get an instant snapshot of global positions and align risk, treasury and finance for effective balance sheet optimization.
payoff
With extensive asset class coverage, our modern front-to-back-office treasury solution gives you greater visibility and control for cash and liquidity management, risk management, hedge accounting, FX, interest rate management, in-house banking and netting, payments, regulatory reporting, cash forecasting and more.
For a centralized view of your balance sheet, we also offer modular solutions for asset liability and market risk management, liquidity risk management, regulatory compliance and economic capital management and credit risk management.
solution
Today’s treasuries are under pressure to handle high volumes of payments in multiple formats and manage new asset classes and constant cost constraints, volatility and regulatory requirements. But with outdated and fragmented systems, it can be hard to ensure real-time cash visibility and a complete view of risk, liquidity, capital and profitability.
Challenge
TREASURY, RISK AND CASH FLOW
60
%
of the world’s largest retailers trust FIS
to deliver the right solutions
Trusted to move the
world's money
FIS is built for bold
Economies rely on FIS
Processed annually
T
$
0
Of the world's best banks
use our technology
%
0
Our business is powering business
Businesses Run On FIS
We give 2.2M merchants over 300 ways to take/accept payments
M
0
0
.
Processed in transactions last year
B
$
0
Clients worldwide rely on our technology
0
K
+
Carbon neutrality and renewable energy
by 2025
0
Of the world’s most innovative companies work with us
%
0
We are the innovator's innovator
Innovators Build on FIS
Of the world's crypto exchanges count on us
%
0
%
Embed financial services into the customer journey
BNPL
Embedded Finance
The Metaverse
Decentralized Finance
For more than half a century, we’ve helped retailers around the globe create fast, secure and intuitive commerce experiences for billions of customers.
POWERFUL PARTNERSHIPS
Use our technology
To drive your growth strategy, you need a financial technology partner that can deliver a wide range of
future-proof solutions that help you quickly adapt to and adopt tech innovation.
INNOVATION THAT ELEVATES YOUR RETAIL BUSINESS
GET IN TOUCH
HOW BOLD WILL YOU BE?
Ready to embrace the future? With leading financial technology and expertise across the entire retail ecosystem, FIS is the right partner to
help you grow, innovate and transform.
For faster returns on your investment, you need a technology partner who can help you take the risk out of innovation as you transform your retail business.
BUT GOING DIGITAL TAKES EXPERTISE
back-office processes to reduce risk and improve efficiency
easily
manage
to personalize each customer’s journey
LEVERAGE
DATA
INSIGHTS
from your omnichannel shopping experience and ensure customer satisfaction
remove friction
By digitalizing your operations, you can do more for your retail business and take better care of your customers.
DIGITAL TECHNOLOGY IS THE WAY FORWARD
Capgemini, 2022 World Retail Banking Report
of customers say on-demand banking could motivate them to switch to a “new age” FI
%
0
countries
+
0
in
of the world’s largest retailers
%
0
including
retail companies around the world
Working with
With innovative technology and services,
we empower people and processes across the retail industry.
Propelling Retail Growth
,
0
0
+
optimize your operations and deliver first-class customer experiences.
Receivables:
Cash Flow Ecosystem
FIS FOR
RETAIL
Discover
data-driven insights
Manage cash flow and capital
Run banking operations
Control risk
Optimize operations
Build
consumer loyalty
Enable anywhere, anytime payments
Hover and click to discover more . . .
Stay ahead without the headaches.
Get faster access to the latest versions of our solutions and the most advanced features around the clock, wherever your team is based.
payout
Digital technology is our business. As well as providing your solutions, we can host, monitor, maintain and test the applications in a secure private, public or hybrid cloud environment which we’ll design and continually optimize to meet your unique needs.
solution
Software needs constant maintenance, upgrading and testing, and providing and running your own hardware can easily overstretch capital. How do you ensure that your digital technology is firing on all cylinders – without draining your resources?
Challenge
Technology and managed services
What's not to like?
Economies of scale and our advanced technology mean we can take care of your operations more cost effectively and efficiently than you ever could
in-house – while giving you complete oversight of every service.
payout
Outsource as much of your back office as you need while staying in control. We can run a call center on your behalf, print and mail all your outbound documentation and manage your payments and receivables processes from end to end. Plus, we can receive your inbound mail in one of our mailroom processing centers, where we’ll scan, clean up and index all the data for further processing by your systems.
solution
With call centers to staff, documents to print and mail, data points to input and payments to process, insurance operations take a lot of work. The costs and risks soon add up. What if you didn’t have to do it all yourself?
Challenge
business services
Whatever products you launch, you'll always hit your target market.
Lower costs and improve efficiency and service by automating the policy administration process from end to end. And get a single, consolidated, real-time view of each policyholder to better understand their needs and further drive loyalty with more consistent and intelligent communications.
payout
We can provide one powerful policy administration solution for all your life, health, wealth and retirement products; a complete, centralized solution for reinsurance management; and retirement plan recordkeeping technology that caters for any plan type. In the front office, our customer data and communication management tools will let you take full advantage of all the digital data that your back-office systems process.
solution
You need to launch products fast. But legacy systems can’t always flex to the demands of new business lines. And running multiple front- and back-office solutions is costly, inefficient and bad news for customer service.
Challenge
Administration and communication
Who said digitization doesn't pay off?
Minimize the costs and complexities of reaching new markets and keep delighting your policyholders.
payout
We can help you simplify payments by centralizing and standardizing your processes. As your single digital payments partner, we offer access to modern payment platforms globally and all your gateway and acquiring services. Plus, we can help you settle more claims in near real-time and support both billing and engagement and loyalty programs. Besides providing more digital ways to pay, you can make secure instant payouts more often at the moment of need.
solution
Payments form an increasingly critical part of the insurance life cycle, with a huge impact on both cash flow and the customer experience. But when you’re processing high volumes across multiple systems, channels and new technologies, payments can also be complex. So, as money flows into and out of your company, you need to make your payment operations as simple and effective as possible.
Challenge
Making and taking payments
Flexibility and control? No problem.
Improve risk and regulatory reporting, price more competitively and better manage your business.
payout
We give you the freedom to model and analyze complex risks in a tightly governed but high-performance environment. On top of supporting compliance with the IFRS 17 and LDTI accounting standards, we can automate a full range of regulatory processes, including statutory filing, Schedule F reporting, KYC, AML and trade surveillance. We offer extensive global regulatory, product and actuarial calculations as standard and a highly scalable end-to-end risk platform.
solution
You need both flexibility and control for effective risk management. Can you react quickly to volatile markets and model a wider range of scenarios? Can you also demonstrate control, data quality and compliance?
Challenge
Risk management and compliance
Why look elsewhere for your fintech?
Do more than just support investment management, accounting and reporting across multiple asset classes; optimize portfolio performance and achieve compliance and control with our solutions.
payout
We can automate and streamline your trading and investment management processes throughout the entire transaction life cycle, with best-of-breed systems for corporate actions and risk management, trading and post-trade services, securities processing, loan administration and network connectivity.
solution
Investment portfolio management, accounting and reporting processes can be complex and time consuming. As regulations change, you need fast access to data and analytics to meet reporting requirements and make the best trading and investment decisions.
Challenge
investment management, trading and accounting
Gain a better outlook for treasury finance.
Drive down costs and risk, get an instant snapshot of global positions and connect easily to banks, trading partners and internal systems, including ERPs.
payout
We offer digital, cloud-based treasury management and payment hub technology and integrated solutions for financial management and accounting, reconciliation, tax processing, bank connectivity and bank account management. So, you can cover cash and risk management, debt and investment, foreign exchange, hedge accounting and more, with one partner.
solution
Outdated and fragmented systems make it harder to handle high volumes of payments in multiple formats and minimize fraud. You must also contend with innovative new payment methods, constant cost pressures, volatility, regulatory requirements and advances in ESG, not to mention the need for cash visibility.
Challenge
Financial management
GET IN TOUCH
of the world’s largest retailers trust FIS
to deliver the right solutions
60
%
In this era of rapid change and heightened competition, only the bold survive – and thrive. We help you stay ahead of the curve with big ideas and the latest tech innovations to optimize your operations and deliver first-class customer experiences.
BOLD IDEAS.
BOLD RESULTS.
Increase consumer card usage and wallet share
STRENGTHEN LOYALTY
Unlock seamless omnichannel user experiences
ENHANCE EXPERIENCE
Embed financial services into the customer journey
INTEGRATE SERVICES
In this era of rapid change and heightened competition, only the bold survive – and thrive. We help you stay ahead of the curve with big ideas and the latest tech innovations to
optimize your operations and deliver first-class customer experiences.
BOLD IDEAS. BOLD RESULTS.
Capgemini, 2022 World Retail Banking Report
of customers say on-demand banking could motivate them to switch to a “new age” FI
%
0
Carbon neutrality and renewable energy
by 2025
%
0
Of the world's crypto exchanges count on us
%
0
Use our technology
Of the world’s most innovative companies work with us
%
0
We are the innovator's innovator
Innovators Build on FIS
Clients worldwide rely on our technology
K
+
0
Processed in transactions last year
B
$
0
We give 2.2M merchants over 300 ways to take/accept payments
M
.
0
0
Of the world's best banks
use our technology
%
0
Our business is powering business
Businesses Run On FIS
Processed annually
T
$
0
Trusted to move the
world's money
Economies rely on FIS
FIS is built for bold
For faster returns on your investment, you need a technology partner who can help you take the risk out of innovation as you transform your retail business.
BUT GOING DIGITAL TAKES EXPERTISE
back-office processes to reduce risk and improve efficiency
easily
manage
to personalize each customer’s journey
LEVERAGE
DATA
INSIGHTS
from your omnichannel shopping experience and ensure customer satisfaction
remove friction
By digitalizing your operations, you can do more for your retail business and take better care of your customers.
DIGITAL TECHNOLOGY IS THE WAY FORWARD
countries
+
0
in
of the world’s largest retailers
%
0
including
retail companies around the world
Working with
+
0
,
0
GET IN TOUCH
Receivables:
Cash Flow Ecosystem
FIS FOR
RETAIL
Discover
data-driven insights
Manage cash flow and capital
Run banking operations
Control risk
Optimize operations
Build
consumer loyalty
Enable anywhere, anytime payments
Hover and click to discover more . . .
Stay ahead without the headaches.
Get faster access to the latest versions of our solutions and the most advanced features around the clock, wherever your team is based.
payout
Digital technology is our business. As well as providing your solutions, we can host, monitor, maintain and test the applications in a secure private, public or hybrid cloud environment which we’ll design and continually optimize to meet your unique needs.
solution
Software needs constant maintenance, upgrading and testing, and providing and running your own hardware can easily overstretch capital. How do you ensure that your digital technology is firing on all cylinders – without draining your resources?
Challenge
Technology and managed services
What's not to like?
Economies of scale and our advanced technology mean we can take care of your operations more cost effectively and efficiently than you ever could
in-house – while giving you complete oversight of every service.
payout
Outsource as much of your back office as you need while staying in control. We can run a call center on your behalf, print and mail all your outbound documentation and manage your payments and receivables processes from end to end. Plus, we can receive your inbound mail in one of our mailroom processing centers, where we’ll scan, clean up and index all the data for further processing by your systems.
solution
With call centers to staff, documents to print and mail, data points to input and payments to process, insurance operations take a lot of work. The costs and risks soon add up. What if you didn’t have to do it all yourself?
Challenge
business services
Whatever products you launch, you'll always hit your target market.
Lower costs and improve efficiency and service by automating the policy administration process from end to end. And get a single, consolidated, real-time view of each policyholder to better understand their needs and further drive loyalty with more consistent and intelligent communications.
payout
We can provide one powerful policy administration solution for all your life, health, wealth and retirement products; a complete, centralized solution for reinsurance management; and retirement plan recordkeeping technology that caters for any plan type. In the front office, our customer data and communication management tools will let you take full advantage of all the digital data that your back-office systems process.
solution
You need to launch products fast. But legacy systems can’t always flex to the demands of new business lines. And running multiple front- and back-office solutions is costly, inefficient and bad news for customer service.
Challenge
Administration and communication
Who said digitization doesn't pay off?
Minimize the costs and complexities of reaching new markets and keep delighting your policyholders.
payout
We can help you simplify payments by centralizing and standardizing your processes. As your single digital payments partner, we offer access to modern payment platforms globally and all your gateway and acquiring services. Plus, we can help you settle more claims in near real-time and support both billing and engagement and loyalty programs. Besides providing more digital ways to pay, you can make secure instant payouts more often at the moment of need.
solution
Payments form an increasingly critical part of the insurance life cycle, with a huge impact on both cash flow and the customer experience. But when you’re processing high volumes across multiple systems, channels and new technologies, payments can also be complex. So, as money flows into and out of your company, you need to make your payment operations as simple and effective as possible.
Challenge
Making and taking payments
Flexibility and control? No problem.
Improve risk and regulatory reporting, price more competitively and better manage your business.
payout
We give you the freedom to model and analyze complex risks in a tightly governed but high-performance environment. On top of supporting compliance with the IFRS 17 and LDTI accounting standards, we can automate a full range of regulatory processes, including statutory filing, Schedule F reporting, KYC, AML and trade surveillance. We offer extensive global regulatory, product and actuarial calculations as standard and a highly scalable end-to-end risk platform.
solution
You need both flexibility and control for effective risk management. Can you react quickly to volatile markets and model a wider range of scenarios? Can you also demonstrate control, data quality and compliance?
Challenge
Risk management and compliance
Why look elsewhere for your fintech?
Do more than just support investment management, accounting and reporting across multiple asset classes; optimize portfolio performance and achieve compliance and control with our solutions.
payout
We can automate and streamline your trading and investment management processes throughout the entire transaction life cycle, with best-of-breed systems for corporate actions and risk management, trading and post-trade services, securities processing, loan administration and network connectivity.
solution
Investment portfolio management, accounting and reporting processes can be complex and time consuming. As regulations change, you need fast access to data and analytics to meet reporting requirements and make the best trading and investment decisions.
Challenge
investment management, trading and accounting
Gain a better outlook for treasury finance.
Drive down costs and risk, get an instant snapshot of global positions and connect easily to banks, trading partners and internal systems, including ERPs.
payout
We offer digital, cloud-based treasury management and payment hub technology and integrated solutions for financial management and accounting, reconciliation, tax processing, bank connectivity and bank account management. So, you can cover cash and risk management, debt and investment, foreign exchange, hedge accounting and more, with one partner.
solution
Outdated and fragmented systems make it harder to handle high volumes of payments in multiple formats and minimize fraud. You must also contend with innovative new payment methods, constant cost pressures, volatility, regulatory requirements and advances in ESG, not to mention the need for cash visibility.
Challenge
Financial management