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Fis web3 magazine
Fis web 3 magazine
issue 2
contents
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Melanie Milazzo Senior Director, Content Marketing, FIS
If you’d like to contribute to any of our columns, have feedback or want to connect, please contact:
Laura Osburnsen VP, Marketing Executive, FIS
Web3: Leveraging the customer experience opportunity
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How AI will reshape industries, work and markets
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Is DeFi an investment?
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Fintechs: What’s the latest on Web3 investment?
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How you can take advantage of Web3 technologies
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What DeFi is, and what it isn’t
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The future of artificial reality and the metaverse in banking
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From blockchain and digital assets to digital wallets and smart contracts, Web3 offers tremendous opportunities around the customer experience.
Web3: leveraging the customer experience opportunity
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FIS Marketing
Internal Use Only
Example 1: Very illiquid financial products like private equity funds. Traditionally these have only been available to the exclusive group of high-net worth private investors. Tokenization transforms the existing infrastructure to make it much more scalable, opening this asset class to a much greater population of wealth investors seeking access to these alternative products to diversify their investment portfolios.
Editor's Letter
John McNaught VP, Web3, FIS
Welcome to the second issue of our quarterly Web3 magazine. Each quarter, we’ll bring you news and articles with insights from FIS and industry leaders to help you navigate the growth of all things Web3 and what it means for you, your business and your clients.
Forward-looking businesses can innovate not only product offerings and how they engage with existing clients; they can create new experiences, attract new clients, and ultimately digitize more of the customer experience and customer journey than they may have been able to with prior technology innovations. For example, technologies like NFTs – non-fungible tokens – help businesses to engage more meaningfully with existing clients by enabling new and novel loyalty offerings.
Different industries will, of course, find different use cases. Fintech firms in general are supportive of Web3 as another form of fintech innovation. They have led the market in adopting blockchain-based capabilities and augmenting their offerings to include Web3 features and functions.
The use cases
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The industry is aware of all that’s going on but still trying to separate the hype from the reality. Our clients are increasingly asking us for Web3 solutions that we’re building. They also expect FIS to remain a trusted partner and provider in helping them navigate this new world. So, whether it’s financial use cases such as tokenized real world assets or non-financial use cases like loyalty, Web3-based solutions are exciting new innovations.
The regulatory picture
So yes, we need regulatory rules to govern the use and safe use of crypto assets and blockchain-based assets. But there are existing assets, such as tokenized private asset funds, that can operate using blockchain technology today without any regulatory ambiguity.
What will the next two years bring? Web3 will continue to evolve from a technology standpoint, a regulatory standpoint, and a use case standpoint. But what's most important – for all companies around the world – is to begin to apply Web3 technology now in innovative new ways to transform their business.
The future of Web3
Banks can use Web3 to offer more digitized services to their clients. They can also allow clients to engage with Web3- and blockchain-based assets and currencies like stablecoin and crypto, and even tokenized deposits. Banking as a service and embedded finance are two other use cases for the financial services industry. Corporate treasurers, on the other hand, can take advantage of the blockchain and Web3-based assets and currencies to facilitate faster, more efficient cross-border transactions and improve cash management and liquidity management. That’s actually one of the most exciting applications of Web3 technology. What else am I watching? The tokenization of private asset funds like private equity and private credit to access more investors and pools of capital, and even the application of Web3 technology to improve customer experience and loyalty for both financial and non-financial corporations around the world.
Regulation for Web3 is a very interesting topic. Web3 includes new assets – assets that exist solely on the blockchain, like crypto and even stablecoin. But blockchain also promises to transform traditional, regulated assets, currencies and entities.
There’s a great deal of debate about how generative AI like ChatGPT will mature and impact society, employment, inequality and even ethics and rights. But we can take an educated guess at where AI will exert the most influence in industries in the short to medium term. For example, we know that to tackle growing healthcare costs and inadequacies, we can look to AI for better diagnostics – reducing misdiagnosis, poorly aligned treatments and negative outcomes – and for improving the administrative and operational efficiency of the system. But how will these different stages of AI’s development affect society overall?
How ai will reshape industries, work and markets
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Macro-economic and Social Conditions
Brett King, Author and podcast/radio show host
Jim Marous
The 2020s are the decade of early AI and climate adaptation. The first real debates on the broader ethics and implications of AI are already occurring, with Biden’s administration discussing regulation, with a broad call for a ‘pause’ in AI development and broader regulatory moves in the EU and China. On climate, with extreme weather events increasing and increased movement of eco-refugees, the debate on effective climate response will also intensify, while markets focus on the immense wealth creation opportunities that technology like AI promotes.
From an AI perspective, this phase of development means early adopters will argue that their AI-assisted advice is better than that of a lone human. AI-powered doctors, lawyers, wealth managers, architects and consultants are all arguing that they can provide you with a better service because they incorporate AI in their business. This is the era of those with machines versus those without. The 2030s will be the decade of agency, where humans individually and at a corporation level increasingly use AI to execute elements of our day-to-day existence. Or in the case of businesses, day-to-day operations, from our smart assistants that will be integrated into our homes, vehicles and smart devices, through to companies using a whole range of algorithms not only for back-office and operational elements, but to automate the supply chain itself, from autonomous transportation systems to smart contracts and tokenization of the world. We will have had the 20s to train us to realize that the best advice and the best organizations are those based on AI. Thus, the 30s will see us increasingly trust AI to execute in domains where previously we relied on humans but now prefer the accuracy and efficiency of AI – where we give agency to our AIs to act on our behalf.
View Brett King's LinkedIn
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The 2040s get a bit fuzzier, but it seems likely that we will start to look to technology to mitigate the effects of climate change on a planet-wide scale, and where we look at large scale improvement at a city-wide or nation-state level based on automation and the ability of AI to look at large-scale systemic improvements such as energy, water and waste management, supply chain automation, autonomous transportation, food production and so forth – systems that we barely understand today, but that AI could transform into much more efficient systems in respect to resource utilization and public costs. We’ll also be looking at a much more cooperative approach globally when it comes to climate mitigation, not only because of efficiencies of scale in respect to mitigation, but given what a massive issue the eco-refugee crisis has become globally with respect to immigration and the need to coordinate a global response. The 2050s will be the era of smart economies: massive economic growth powered by AIs separating smart versus traditional economies in much the same way we previously talked about the developed versus developing world.
The Four Stages of AI Dependency
As AI starts to impact society around us, we are forced to deal with something that has only really been academic until now – the existential threat that AI presents to humanity at large. Not only in consideration about what motivations a super-powerful AI might present as to the existence of humanity, but more mundane considerations such as what ethics AIs should demonstrate, what rules should go with AIs living and working with us, and to what extent agency is permitted and when. Not quite the three laws of robotics created by Azimov, but analogous to that. For now, the biggest issue we have is AI that replicates many of the biases and idiosyncrasies that we ourselves demonstrate. Still, self-driving cars and the so-called “Trolley problem" are good illustrations of how we have a lot of in-built regulatory requirements for the safe deployment of AI. While some industry-based regulators in the financial services and medical sectors have already had to deal with the early implications of high-frequency trading algorithms and robotic surgeons, for example, we’re increasingly going to need broad national and global regulation when it comes to the widespread use of robotics and AI.
Alignment Phase
If we assume this broad state of progression of society (and of course, there is some variability possible), this shows us a reasonably clear state of development of AI with respect to how it fits in the progression of the 21st century.
Jim Marous and Brett King
2023: a big year for tech, in an unexpected way
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Where this dramatically will improve our day-to-day life is in arenas like medicine, where the combined knowledge of the global medical community can be collectively applied in real time for optimal diagnosis and treatment. It’s like having a whole crowd of the world’s best researchers and PhDs working on your problem every time, at the cost of a local family doctor; algorithms that know your needs instinctively and tailor solution sets to your unique circumstances every time; a hyper personalized era powered by broad access to data, behaviors and preferences, and highly agile business platforms that use such responsiveness as an underpinning to garnering consumer loyalty and subscription.
Over the next three to five years, expect every service industry to start advertising that their humans are augmented by next-generation AI. From doctors that promise to diagnose your condition via AI, to lawyers, accountants and financial advisors who claim their AI-assisted status not only guarantees a better result, but promises to be cheaper and faster at getting results too. This phase of AI is the early start of reshaping labor markets around technology-based automation. The early phase of technology disruption is in arenas where human advisors are increasingly differentiated by how augmented their advice is, where it’s not man versus machine, but where battle lines are drawn according to whether or not you use AI in the delivery of your service. It also optimizes day-to-day service engagements so you will deal with a personalized and optimized service experience that uses AI to solve most problems with highly optimized efficiency, and only passes you off to a human in edge cases where AI models are incomplete; a design premise that means that service organizations will start to see the need to see a human as a design failure in systems where AIs become increasingly capable.
Advice phase
Agency Phase
Once we’ve learned to trust AIs in various parts of our life, our preference will increasingly be for services run by AI, just like those that have already incorporated services like ride sharing, dating apps, translation apps, GPS, restaurant and grocery delivery services, or the ubiquitous Amazon or Taobao package, into our lives in the name of efficiency. As we choose automated services that deliver our packages, we’ll start to use our AI assistants to book our travel and our vacations, manage medical services, personalize tuition, optimize business, and handle dietary and fitness considerations. Day to day, we will give more of our life over to algorithms in the name of cost effectiveness, efficiency and convenience.
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To cope with this behavioral shift, just as companies were forced to create online stores and then apps to engage their customers, more and more companies will need to create integration with AI agents to be more adaptive and responsive to rapidly changing customer requirements, resulting in large scale automation of operations and commerce applications – thus producing an expanding boom of automated companies attracting large scale engagement, replacing traditional service organizations and brands. In this era, we expect increasingly to measure the world in terms of a lower carbon footprint, more sustainable production methods enabled through better automation, and cheaper, faster outcomes across marketplaces. Increasingly, this will lead us to look at the economy as a whole as something that can be re-engineered to be much more resource efficient --the ultimate application of productivity.
Autonomous Phase
At this level, we’re looking at replacing entire systems of governance and public sector infrastructure with autonomous capabilities. At the same time, we’ll be increasingly looking to make infrastructure resilient against higher global temperatures, increased flooding and sea-level rise, along with more extreme weather events, as well as general infrastructure improvement to support both automation and better energy and resource management.
We can already hear talk of national 2030 vision plans where smart cities will compete for new residents and corporations, where countries compete for digital nomads and technical talent to emigrate and contribute to the growing dependence on tech and automation: the rise of smart economies, smart marketplaces, digital currencies and increasingly integrated physical and virtual worlds. The markets will have to argue that corporations and emerging technology are the solution to climate change and technology displacement, to continue to survive and stay relevant, while older, more traditional corporations will struggle to maintain their relevance in a rapidly changing world. Consumers late to the AI party will also struggle to remain off-grid in a world where digital identity, accessibility and automation are expected of citizens and corporations alike.
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A Technology Revolution Unlike Any Other
All of these changes seem inevitable because humanity not only craves progress of this sort, but the entire way we measure the success of our markets and economies will push us to use more and more of these capabilities to compete, especially as the U.S. and China square up based on their flavors of AI or technological capability. Unlike other technology revolutions like the internet, however, AI has the ability to impact all of our systems, industries and components of our societies simultaneously. In previous eras of great technological leaps, such as the industrial revolution or the emergence of the commercial internet, we could argue over regulation and implications over many years, even decades. However, the nature of AI to itself accelerate change means we’re going to have to make decisions on regulation, safety and governance in a much shorter timeframe, or we’re likely to face increasingly significant events that illustrate our lack of control over AI more broadly.
Brett King is an author, world-renowned futurist and media personality. He hosts the world’s number one fintech radio show and podcast, Breaking Banks, which has 6.5 million listeners, and is the founder of the mobile start-up, Moven.
The biggest change itself being the implications of how humanity lives with an alternate intelligence integrated into human society, one that doesn’t necessarily think the way we do, but is undeniably critical to our own ability to advance and progress.
John Omahen, Head of Product, FIS Digital Assets
Is defi an investment?
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DeFi can be an investment strategy, though you don’t invest in it in the traditional sense. But here is a non-exhaustive list of ways to put your assets to work in DeFi:
Stake your crypto in a proof of stake system like Ethereum. If you hold sufficient crypto on a proof of stake system, you can stake that crypto and become a node validator, earning fees while at the same time holding the asset long term and hoping for appreciation in value. While running a validation node can be complex, there are many liquid staking protocols that pool investor crypto and run the node for them as a service. Provide capital in the form of cryptocurrencies to a DEX or other DeFi platform. In this way, you will be paid transaction fees based on the volume of transactions and depth of liquidity (note that this approach comes with the risk of impermanent loss). Alternatively, you can lend your assets and receive interest on them – just like with cash deposited in a bank.
Invest in DeFi-focused funds. Many hedge funds and asset managers have also started to create investible funds that either hold tokens in DeFi protocols or invest directly in organizations that are building these new models. Invest in public securities that have DeFi products. Many companies working on building out DeFi and blockchain technology are publicly listed, and their shares can be bought and sold through typical channels of investing.
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View John Omahen's LinkedIn
Stephane Wyper, SVP, Venture Investments, FIS
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Investors have been circling Web3 technologies for several years. But we’re in the throes of a unique moment of market correction that’s impacting multiple segments across the fintech landscape. The Web3 sector is particularly hard-hit given that there was so much hype around it 12 to 18 months ago. Venture capital firms and other investors have been getting more cautious and conservative.
Now, we’re seeing two things play out: start-ups that raised funding in the last two or three years and need to raise money now, are doing so at a discount. They’re having to adjust their valuation because we're in a very different environment. And investor patience has got shorter. Investors are now focusing on understanding the true value of companies and their path to becoming profitable and driving revenue.
With Web3, as with many technology trends, we live in hype cycles. At the tail end of 2021, there was a lot of active interest in the space and in companies building new solutions. Most investors I speak to today want to see how this technology has an impact before they choose to invest more. I've spent the last 10 years in the corporate venture and innovation space. I keep joking that as it relates to blockchain, I’ve seen four cycles of investment. The first cycle was back in 2012-2013, when we had new cryptocurrencies like Bitcoin and others that were looking to disrupt more traditional forms of payment, and they drove a lot of investment in that space. There was a second wave, from 2015 to around 2017, when we started focusing on blockchain as a technology infrastructure that could be beneficial for banks and other financial institutions, as they were thinking about how to reinvent their own technology infrastructure to be more competitive and nimble. The third cycle was 2018 into 2019, when tokens were being created to raise funding for new start-ups. Now we’ve come full circle with the age of Web3, and the implication that has on finance fintech, which is Decentralized Finance. We’ve gone through four different hype cycles around the idea that you can create financial services that aren't built and controlled by centralized institutions, but by communities. Each of those cycles has seen significant funding but the potential wasn’t quite achieved.
View Stephane Wyper's LinkedIn
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And I think that's where we are with Web3: there was a lot of money invested into 2021. Most of the investors I speak to today are not investing anywhere near where they were 18 months ago and want to see how this technology has an impact before they choose to invest more. These are unique technologies that are being built. If they scale, they could be very impactful. We’re looking at a 5–10-year review of investment. AI is a good comparison. There's been a lot of investment moving into AI technology over the past decade. What happened this year was that we had a moment that drove mass adoption with ChatGPT. And that's the part that's really hard to predict: there will be some particular moment in time that will drive interest and adoption of Web3 technologies at a much broader level, which is why you need as a company to always at least be investing in building a foundation. That way, when that moment happens, you're not playing catch up.
The challenges and headwinds in the cryptocurrency space in the last year are also probably leading investors to have a more risk-averse approach in this space. It’s evolving rapidly and regulators are going to need to play a more important role in terms of defining standards.
Jim Marous, Top 5 Retail Banking Influencer
The Future of Artificial Reality and the Metaverse in Banking
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It is also believed that there is need for more evidence of the business value of AR and metaverse technologies before financial institutions will fully commit to them. Adding to this concern is the lack of a uniform platform for AR and metaverse engagement by demographic groups with higher use of financial services. That said, the competition for device supremacy remains intense and very fluid, and the use of AR continues to increase. AR has become a viable tool for advertisers, retailers and enterprises, with over a quarter of the U.S. population now using AR in some fashion – thanks to its easy accessibility on smartphones. According to Insider Intelligence, with 90 million users in 2023, AR is roughly on par with smart wearables (89.6 million users) and smartphone health and fitness apps (88.9 million). Smart speakers are just a bit ahead, with 105.5 million users. Insider Intelligence finds that more than two-thirds of AR users experienced it on social media in 2022, and that share will approach three-quarters by 2027. Social networks also make AR accessible to developers and brands through their widely used developer platforms.
Augmented reality (AR) technology and components of the metaverse have the potential to revolutionize the financial services industry by enhancing the customer experience, improving decision-making and enabling new business models. In the future, AR is expected to play an increasingly important role in financial services, as banks and other financial institutions seek new ways to engage customers and create value. AR can enable banks and credit unions to provide highly personalized, immersive experiences that allow customers to visualize and interact with their entire relationship portfolio in new ways. AR can also be used to enhance financial literacy, providing customers with interactive educational content that can help them better understand complex financial concepts. Finally, AR can be used to improve decision-making in financial services by providing real-time, contextualized information to internal decision-makers, further democratizing the ability to serve customers on a personalized basis. While there is potential for financial services in advanced technologies associated with AR and the metaverse, a perceived pullback is seen as organizations currently focus on more immediate needs and priorities – such as digital transformation and cybersecurity – during this time of economic uncertainty.
Jim Marous is the co-publisher of The Financial Brand, the owner and publisher of the Digital Banking Report and the host of the top-five banking podcast, Banking Transformed. As an author and recognized industry futurist and authority on disruption in the financial services industry, Marous has spoken to audiences in over 50 countries on how individuals and organizations must respond to the digital transformation of financial services.
View Jim Marous' LinkedIn
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As part of the FIS® Digital Assets team, I get asked a lot of questions about decentralized finance, or DeFi. What is DeFi? What’s an example of DeFi? Is DeFi a cryptocurrency? Therefore, I produced this cheat sheet to help answer, “What is DeFi?” – and what it isn’t.
What is P2P?
P2P, or peer-to-peer, simply refers to direct interactions between individuals or institutions, without intermediation by a third party. For example, most shopping we do is intermediated – we buy from a retailer, like Amazon, that sells its own or a third party’s products. In exchange for 1) serving as a trusted entity that can back the quality of the goods purchased and 2) providing the infrastructure that enables the transaction (e.g., a webpage, payment platform, etc.), the intermediary takes a sizeable profit. By contrast, Facebook Marketplace is P2P. Users buy and sell directly from each other. But the experience is typically clunky because trust cannot be guaranteed. And if you want to purchase an item from a Facebook seller, you have to message the seller, agree on a place to meet and inspect the goods to make sure they are not damaged, pay in person, etc. DeFi enhances the P2P model so that the trust and the infrastructure that was previously supplied by a for-profit intermediary can be replaced by technology. The buyer and seller initiate the transaction, which is automatically managed and executed by code.
What is DeFi?
DeFi stands for Decentralized Finance, but in general speak, it’s an umbrella term used to describe peer-to-peer (P2P) financial services that operate through smart contracts on public blockchains. Public blockchains are open, decentralized and autonomous digital ledgers where anyone can participate in the core activities the blockchain supports. Ethereum, Avalanche, Polygon, Arbitrum and Solana are a few examples of the many public blockchains in existence today.
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For example, whereas the SEC is transitioning to T+1 settlement for securities transactions in 2024, transactions on the blockchain can settle in seconds. This – more than anything – will launch most of the financial markets into overdrive in terms of efficiency and the velocity of capital. Additionally, by operating on public blockchains, smart contracts enable users to transact 24/7 without requiring permission from an authority. This is because public blockchains are:
Smart contracts are software code that automatically execute transactions if certain conditions are met. Smart contracts are embedded into the blockchains. What’s useful about smart contracts? Here are a few of the many use cases:
What are smart contracts?
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Bonds that automatically pay their owners Corporate actions or dividends on a security that take place accurately and at the same moment for all owners Escrowed assets or payments that are held by a smart contract and released automatically when specified conditions are met Supply chain receivables – payments that are automatically sent when services or goods have been received
Generally speaking, when both the item being bought and the payment used to buy it are on a blockchain, delivery vs. payment can be performed quickly, inexpensively, on a 24/7 basis and initiated from any place that has an internet connection.
Open – anyone can participate Transparent – all transactions are immutable and publicly viewable Flexible – users can transact anytime and anywhere Fast – transactions take seconds or minutes to clear and settle
I should note that not everyone is comfortable with all transactions being registered on a public blockchain. The financial and legal liabilities around assets on a public blockchain are not yet well defined. If the owner of a digital asset commits a crime and the victim sues, what legal or technological recourse do they have to claim that asset? As a result, the use of public blockchains for so-called “real-world assets” such as real estate and public securities requires a regulated entity to take responsibility for connecting the digital version of that asset with its real-world liabilities and obligations.
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The classic example of Defi is a decentralized exchange (DEX) like Uniswap, Curve or PancakeSwap, all of which are decentralized applications (dApps) that crypto holders use to trade with each other (more about dApps to follow). Users of these exchanges connect their digital wallets and then transact with each other without the need for a central intermediary. The platform and the blockchains that the assets are recorded upon ensure that they can transact with no trust or knowledge required of the other party they are transacting with. By contrast, traditional exchanges operate mostly by open order books, where the exchange decides when it operates, who can join and – in some cases – whether trades will be honored at all. Of course, for the privilege of using these centralized marketplaces, users typically pay a fee and abide by their rules and restrictions. However, decentralized models need not be used only for buying and selling cryptocurrencies; other examples of DeFi could include marketplaces for lending and borrowing; marketplaces for artists, advertisers and fundraising; or even social media platforms – just about anything that is done today via intermediary or centralized marketplaces could be replaced by one that relies on DeFi technology. In fact, examples of all of these exist today.
What is an example of DeFi?
Let’s look at a real-world example such as collateralized lending.
Currently, high net worth individuals can readily leverage their assets as collateral to access securities-backed lines of credit. The process for retail users is significantly more cumbersome. But with DeFi, anyone can easily pledge blockchain-based assets as collateral to access an alternative line of credit without having to sell any underlying assets. Use cases also extend outside of traditional finance, at which point they’re often described as Web3. At their very core, though, they are all operating with similar technologies and business models.
The short answer is no, DeFi is not a cryptocurrency. DeFi refers to peer-to-peer financial transaction networks made possible by blockchain technology. Cryptocurrencies are digital currencies where transactions are verified and records maintained by a decentralized accounting system that is secured using cryptography, rather than by a centralized authority.
Is DeFi a cryptocurrency?
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Decentralized applications, or dApps, are systems that run on a network of nodes that collectively process the activities and maintain the data on the system. These applications are often open source, use smart contracts and leverage one or more distributed ledgers (blockchains).
Is a DEX the same as DeFi?
To avoid this inefficient process and resulting high energy costs, most contemporary public blockchains now use proof of stake (PoS). In PoS, to even be a validator on the network requires a significant commitment of the cryptocurrency that it operates with. If a validator is found to be submitting false transactions, that stake can be slashed or forfeited. This ensures that each validator has a large financial stake in approving only proper transactions on the network. The validator of the next set of transactions is selected at random by the system – avoiding the duplication of work found in POW and using far less electricity. For example, annual bitcoin PoW energy consumption is ~131 terra-watt hours, ~50,000 times greater than Ethereum’s PoS. As a further benefit, this PoS modification allows the chain to validate transactions much more quickly than PoW systems.
DeFi finances itself through transaction fees, just like in traditional finance. Any time you transact on a DeFi platform or protocol, you are likely paying a fee (sometimes referred to as a gas fee). However, in a true DeFi model, the validators and stakeholders in the system are sharing in the fees and any profits. In a sense, it’s democratizing the financial benefits among the users and providers to the network. DeFi holds tremendous promise, but as with any innovation you must understand it to take full advantage. Do you have more questions? Feel free to drop me a line.
How does DeFi make money?
A decentralized exchange (DEX) is a specific kind of dApp. A DEX can be used to trade cryptocurrencies against other digital assets on a blockchain (usually other cryptocurrencies).
No. Ethereum is both a blockchain and a cryptocurrency upon which many DeFi applications are built. For example, Uniswap is a decentralized exchange hosted on Ethereum where users can swap crypto.
Is Ethereum a DeFi?
Proof of work (PoW) chains like Bitcoin force validators to compete with one another to solve complex mathematical puzzles. When they solve one of these puzzles, they are validating new transactions to be recorded into the accounting record and are awarded in bitcoin. Unfortunately, this means that a significant amount of computing cycles and electricity used by the other participants in this contest are ultimately wasted.
Is DeFi harmful to the environment?
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Contacts
Melanie Milazzo
Senior Director, Content Marketing, FIS
VP, Marketing Executive, FIS
Laura Osburnsen
FIS web3 magazine
©2023 FIS FIS and the FIS logo are trademarks or registered trademarks of FIS or its subsidiaries in the U.S. and/or other countries. Other parties’ marks are the property of their respective owners. 2513291
FIS is a leading provider of technology solutions for financial institutions and businesses of all sizes and across any industry globally. We enable the movement of commerce by unlocking the financial technology that powers the world’s economy. Our employees are dedicated to advancing the way the world pays, banks and invests through our trusted innovation, absolute performance and flexible architecture. We help our clients use technology in innovative ways to solve business-critical challenges and deliver superior experiences for their customers. Headquartered in Jacksonville, Florida, FIS ranks #241 on the 2021 Fortune 500 and is a member of Standard & Poor’s 500® Index.
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