富达国民信息服务 2025年度报告

Unlocking financial technology.Bringing the world’s money into harmony. Shareholder Letterfrom the CEOand President 3The third force is technology and specifically,the emergence of artificial intelligence as acompetitive imperative. Adoption of AI technologiesacross financial services has increased eightfold since2023. Spending on technology overall is projected togrow roughly 30% by 2029 as financial institutions lookto reduce costs, enhance efficiency, and modernizeto better compete with both traditional and non-bankfintech providers. To Our Shareholders: We are witnessing a generational moment in financialservices and I have never been more confident in FIS’sposition to capitalize on this moment for the benefitof our clients, shareholders, and colleagues. Three powerful forces are converging simultaneouslyto reshape our industry. Each one plays directly to ourstrengths and to our clients’ most urgent needs. In this rapidly changing environment, the organizationsthat move the fastest and intelligently will define thenext era of financial services. Our job is to make sureour clients are among them. 1The first is the enduring strength of the financialservices industry. In the midst of a highly uncertainmacroeconomic and geopolitical environment, banksand capital markets firms are well-capitalized andcontinue to post strong operating results. Regulationsthat constrained growth are being eased. Borrowingand trading volumes are at all-time highs. Buoyedby these tailwinds, financial institutions of every sizeare investing in new markets, new products, andnew technology at a pace not seen in years. Andthey are turning to FIS to help them achieve thesegrowth agendas. Following another strong financial performance in2025 and the closing of one of the largest acquisitionsin our history, Total Issuing Solutions, FIS has neverbeen better positioned to deliver on that commitment. A Glimpse of the Future Emerging technologies are already reshapingfinancial services in fundamental and very visibleways. Today you can ask a virtual assistant to checkyour account balance, flag a suspicious charge, orwalk you through your spending patterns. Chatbotscan open new accounts. Algorithms can suggest theright savings product at the right moment. 2The second force is consolidation. We sawapproximately $50 billion in announced bankM&A in 2025, up 30% from the prior year, includinga wave of mega deals creating super-regionalbanks with expanded geographic footprints anddramatically more complex technology needs. Thisconsolidation dynamic is a powerful tailwind forFIS because of our unique ability to apply leading-edge technology to address an organization’s mostcomplex, mission-critical challenges. Over the pastyear we have been on the winning side of most majortransactions, with renewal rates with large financialinstitutions exceeding 90%. But what is coming next is of a fundamentallydifferent order of magnitude and it is arriving fasterthan most people realize. Imagine an AI agent that doesn’t just research a stockinvestment, but executes the trade, rebalances yourbroader portfolio in response to market movements,and proactively flags tax implications, all while you sleep. Financial institutions are fortunate to be sitting on topof deep reservoirs of proprietary data accumulatedover decades of customer relationships. Thesedata assets reside in systems of record held in coreplatforms that are deeply integrated into regulatedworkflows and are governed by enterprise-gradegovernance, security, and auditability. When insightsreveal the needs, behaviors, and preferences of theircustomers, these data assets represent a powerfulbusiness advantage that cannot be easily replicated. Imagine a corporate treasury agent that negotiatessupplier payment terms, optimizes working capital acrossdozens of markets in real time, and reroutes transactionsautomatically when fraud is detected without a singlehuman instruction. Imagine a lending agent that underwrites a complexcommercial loan, pulls together documentation acrossmultiple systems, ensures regulatory compliance acrossjurisdictions, and delivers a credit decision in minutesrather than weeks. The reality, however, is that today’s financialinstitutions are unable to fully tap into that richnessbecause their data is fragmented amongdisparate systems across the enterprise.This is the reason why, despite aneightfold increase in the adoption ofAI technologies since 2023, banksand other financial institutionsare struggling to scale their AIimplementations beyond limited,isolated use cases.Orchestrated AIcan reason, plan,decide and act acrossinterconnected systemsin ways that were simplynot possible before. This is the promise of “orchestrated intelligence” whichgoes far beyond answering questions and generating content to autonomouslymaking decisions and completingcomplex, multi-step financial tasks withminimal human interaction. Unlikeearlier waves of automation thatrequired explici