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$
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was processed on our asset management technology in 2022. That’s nearly half the world’s total and over 1.5x the GDP of the U.S.
0
%
We enable 95% of the world's leading banks.
Source: Forbes "World's Best Banks" - April 2022
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FIS partners with EY and Microsoft
EY and Microsoft become FIS’ strategic partner in driving growth and market expansion. Get the details behind our dynamic partnership.
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FIS Perspectives - Webinar Series
Open Ecosystem and Embedded Finance
Join us as we focus on an overview of embedded finance and provide industry perspectives from Celent and FIS. We’ll cover what it is, why it’s important and how it works in practice.
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Geo Expansion - South Korea
Hello South Korea
Open a world of growth through innovative payment solutions.
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Reports
Generation Pay
Discover generational preferences across geographies.
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Awards
FIS wins Navex Global Award
The first annual Ethics & Compliance award.
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WE LIFT ECONOMIES AND COMMUNITIES BY ADVANCING THE WAY THE WORLD PAYS, BANKS AND INVESTS
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- Andrew Bannon | Managing Director,
Accenture
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Recognized by the industry
Don't just take our word for it. Independent analysts and publications perennially recognize FIS and our solutions as best in class.
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Creating sustainable societies
Our employees are encouraged to give back by volunteering independently both through paid time off and on their own - averaging 24,000 volunteer hours in a year.
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A change for the better
35%
reduction in energy use in
2022 from the 2019 baseline
38%
reduction in Scope 1 and 2 emissions
in 2022 from the 2019 baseline
38%
reduction in water withdrawn
in 2022 from the 2019 baseline
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the world
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runs on
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Overview
fis-icon-arrow
Provide a banking experience that puts your members’ needs first.
Credit unions
fis-icon-arrow
Drive your digital services forward with our best-in-class solutions.
Small to Medium Financial Institutions
fis-icon-arrow
Find a tailored approach to modernization that suits your needs now and later.
Large Financial Institutions
fis-icon-arrow
Advance your financial institution
Put technology to work for you
Improve your business’ efficiencies with advanced technology backed by absolute performance.
Advance your securities & investments firm
Our policy for insurance solutions:
Helping you do morefor your policyholders.
Improving your businessso you can improve yourpolicyholders' lives.
Advance your insurance business
You’re driven to innovate.You’re fueled by the world’s no. 1 fintech.
Now the innovative fintech that powers the world can power your business.
Advance your technology business
Innovation from the world’s boldest fintechBuild and grow fast with next-gen technology backed by expertise, reliability and speed.
Advance your Fintech firm
Push the boundaries of retail possibilities
Deliver fast, secure and intuitive commerceexperiences for billions of customers.
Advance your retail business
Better guest experience.Better operational efficiency.They start with better technology.
We serve you the best techso you can better serve your customers.
Advance your restaurant business
Smooth the flow of energy and utilities
Move faster, work smarter and spend more time on energy transition initiatives.
Advance your energy and utilities business
Chart your path to better business health
Give your business the flexibility it needs to capitalize on trends and deliver great services.
Advance your healthcare business
Featured innovations
See all innovations
Your industry. FIS solutions.Businesses aren’t created all the same. For your specific needs, explore our you-tailored solutions.
Learn more
Crossover to cryptoLet FIS help you make the leap from traditional to digital assets across payments, banking and capital markets.
Learn more
Deliver a frictionless experienceMake sure your customers have what they need right at their fingertips when they’re ready to pay, borrow or invest.
Learn more
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Solutions we provide
Solutions we provide
Advance Integrated Banking
Advance Integrated Banking
Core Banking
Create anywhere, anytime banking
Unified Omnichannel Banking
Build deeper relationships across digital and physical channels
Grow Commercial Banking and Asset Finance
Grow Commercial Banking and Asset Finance
Lending
Deliver an exceptional customer experience
Asset Finance
Modernize asset finance for the digital age
Commercial Onboarding
Optimize the onboarding experience across digital channels
Commercial Deposits
Modernize customer deposits and increase satisfaction
Run Banking Operations
Run Banking Operations
Back-office Solutions
Drive operational efficiency and customer satisfaction
Create Next-gen Platform Banking
Create Next-gen Platform Banking
Modern Banking Platform
Modernize, launch and scale banking innovation
Banking as a Service
Enrich capabilities and add value
Manage Wealth and Retirement
Manage Wealth and Retirement
Wealth Management
Strengthen your client relationships
Retirement Solutions
Transform the retirement experience
Take Payments
Take Payments
Omnichannel
Seamless experience across all channels
Check
Streamline item and lockbox processing
Make Payments
Make Payments
Business Payments
Make business payments flow
Digital
Digital wallet and bill pay
Real time
Accelerate real-time and other account-to-account payments
Issuing
Issue physical and virtual cards
Manage Payments
Manage Payments
Payment Optimization
Increase revenue through smarter centralization, authorization and validation
Fraud and Protect
Fight fraud and manage risk
Loyalty, Cards and Offers
Increase loyalty and generate revenue
Optimize Operations and Control Risk
Optimize Operations and Control Risk
Services and Infrastructure
Increase business efficiency
Risk and Compliance
Monitor exposure and ensure compliance
Finance and Accounting
Simplify accounting and reporting
Policy Administration and Workflow
Automate and streamline operations
Manage Cashflow and Capital
Manage Cashflow and Capital
Treasury and Risk Management
Modernize treasury and optimize the balance sheet
Credit and Collections
Increase cash flow
Enhance Trading and Investing
Enhance Trading and Investing
Asset Management and Servicing
Drive growth and optimize efficiency
Securities Finance and Processing
Consolidate and automate for maximum efficiency
Cleared Derivatives
Simplify post trade processing
Trading, Connectivity and Market Data
Accelerate your front office
ESG Solutions
Empower Your Sustainable Future
Discover Data Driven Insights
Discover Data Driven Insights
Data Solutions
Make data-driven decisions
Data Management
Increase data accuracy and efficiencies
Manage Customer Communications
Manage Customer Communications
Customer Communications
Engage your customers across every channel
Featured innovations
See all innovations
Your industry. FIS solutions.Businesses aren’t created all the same. For your specific needs, explore our you-tailored solutions.
Learn more
Make doing business less workConnect more dots, remove more steps and eliminate more risk by streamlining the entire B2B payments process.
Learn more
Deliver a frictionless experienceMake sure your customers have what they need right at their fingertips when they’re ready to pay, borrow or invest.
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Your industry. FIS solutions.Businesses aren’t created all the same. For your specific needs, explore our you-tailored solutions.
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Increase the value of your dataGet inside your data to uncover hidden trends, visualize your position, grasp opportunities and predict risk.
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Create effortless, omnichannel experiencesMove money fast without the barriers that once limited who could participate and how that movement takes place.
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See all innovations
Your industry. FIS solutions.Businesses aren’t created all the same. For your specific needs, explore our you-tailored solutions.
Learn more
Deliver a frictionless experienceMake sure your customers have what they need right at their fingertips when they’re ready to pay, borrow or invest.
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Create effortless, omnichannel experiencesMove money fast without the barriers that once limited who could participate and how that movement takes place.
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Worldpay has recently become an independent company. Worldpay & FIS will remain strategic go-to-market partners through long-term commercial arrangements, providing both Worldpay & FIS clients continued access to a broad set of complementary solutions. Learn more at our Newsroom.
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Quality Customer Service has always been a hallmark of FIS. We have tailored the information in the Client Portal to provide you with the online tools you need to help you get the most out of your FIS products and services. Based on your institution's products, you can use the Client Portal to contact Client Services, catch up on the latest alerts and bulletins, log a question or issue into our Case Management System, download the latest software release and sign up for training classes, and more is being added continually.
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FIS E-ACCESS
Formerly named eFunds Online, this secure site provides clients access to DDA origination services and DDA risk management, along with information pertaining to Electronic Payment and EFT Solutions. Examples of services, reports, or documentation includes: ChexSystems℠, QualiFile®, FraudFinder® and EFT Transaction Reporting. To obtain access to this site, contact your local administrator or your FIS representative.
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Metavante Image Solutions information has moved to the FIS Client Portal. You can still use the login link here or use the Client Portal link at the top of the page. If you do not have login credentials to the FIS Client Portal or experience any issues please contact supportimage@fisglobal.com.
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Let’s work together to reach your goals. Reach out to us, and we will be happy to help.
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海外科技—金融科技— FIS（Sungard）—基本分析 - 知乎
海外科技—金融科技— FIS（Sungard）—基本分析 - 知乎切换模式写文章登录/注册海外科技—金融科技— FIS（Sungard）—基本分析科技-产业研究科技TMT产业研究和爱好者FIS是全球最大的金融技术解决方案的全球供应商。FIS为金融界提供软件，服务，咨询和外包解决方案，专注于零售和机构银行业务，支付，资产和财富管理，风险和合规，交易支持，交易处理和记录保存等。公司成立于1968 年，于2005年在纽交所上市。2018 年收入体量为 84.2 亿美元，营业利润16亿美元，市值约367亿美元。公司的发展大体可以分为三个阶段。阶段一为1968-2006年，即借壳上市以前，主要是完善银行解决方案。阶段二为2006年-2017年，业务扩张至咨询业务和证券IT。阶段三为2017年至今，业务聚焦阶段，剥离咨询业务，专注金融IT主业。Sungard：2014年收入体量为28亿美元，专注资本市场买方和卖方IT系统。2015年，FIS以91亿美元收购SunGard，这是公司历史上最大的一笔收购。SunGard成立于1983年，为教育、金融、公共部门组织提供软件服务，并于2012年入选美国财富500强，名列第480位。2014年，FIS营收64亿元，同期SunGard营收约28亿美元，SunGard营收体量是FIS的44%。Sungard拥有两个业务领域，即金融系统（FS）业务和公共部门与教育（PS＆E）业务。根据FIS 2015年的财报，SunGard的金融系统（FS）业务、公共部门与教育（PS＆E）业务营收占比分别为92%、8%。SunGard的金融系统（FS）部门提供软件和服务，可实现金融服务行业各种复杂业务流程的自动化，包括交易、证券运营、管理投资组合、管理投资资产、管理风险和合规要求等，可满足最终用户的广泛需求，包括CFO、财务主管、卖方和买方的交易员、基金管理人员、风险和合规人员、投资顾问等。2014年，Sungard软件收入、云SaaS收入、服务（BPaaS）收入占比分别为40%、38%、22%。发布于 2019-08-28 17:06金融科技赞同 6添加评论分享喜欢收藏申请
Where Fintech Innovation Starts, and Never Stops | FIS
Where Fintech Innovation Starts, and Never Stops | FIS
Award Recognition
Basket
Antenna
Antenna
Capital Management
Cloud
Connected
Currency Exchange
Decrease
Desktop
Devices
Email Attachment
Gears
Gift_Card
Global Currency
Information
Internet
Locked
Manager
Money
Outgoing
Piggy Bank
Private Website
Repeat Arrows Triple
Safe
Secure
Security Alert
Shield
Shield With Lock
Shop
Shopping Cart
Smart Phone Bank
Trophy
Clock
Controller
Credit Cards
Eat
Goal
Headset
HTML
Identification
Lock Key
RFID
Rising Graph
Signal
SMS
Speech Bubble
Connected2
Credit Cards2
Delete
Dollar
Drink
Female Formal
Fuel Redemption Network
Group of People
Image
Important Document
Increase
Lightning Bolt
Male Formal
Plane
Present
Public Website
Repeat Arrow
Speek
Sports
Stethoscope
Target
Wallet
Tertiary Download
Tertiary Play
Tertiary Play
Worldpay has recently become an independent company. Worldpay & FIS will remain strategic go-to-market partners through long-term commercial arrangements, providing both Worldpay & FIS clients continued access to a broad set of complementary solutions. Learn more at our Newsroom.
CollapseExpand
:;
Who we serve
Who we serve
Financial Institutions
Securities & Investments
Insurance
Enterprise Technology
Fintechs
Retail
Restaurants
Energy & Utilities
Healthcare
Digital experiences your customers can count on
An ecosystem of banking, lending and payment solutions to help you thrive in the digital age.
Overview
fis-icon-arrow
Provide a banking experience that puts your members’ needs first.
Credit unions
fis-icon-arrow
Drive your digital services forward with our best-in-class solutions.
Small to Medium Financial Institutions
fis-icon-arrow
Find a tailored approach to modernization that suits your needs now and later.
Large Financial Institutions
fis-icon-arrow
Advance your financial institution
Put technology to work for you
Improve your business’ efficiencies with advanced technology backed by absolute performance.
Advance your securities & investments firm
Our policy for insurance solutions:
Helping you do morefor your policyholders.
Improving your businessso you can improve yourpolicyholders' lives.
Advance your insurance business
You’re driven to innovate.You’re fueled by the world’s no. 1 fintech.
Now the innovative fintech that powers the world can power your business.
Advance your technology business
Innovation from the world’s boldest fintechBuild and grow fast with next-gen technology backed by expertise, reliability and speed.
Advance your Fintech firm
Push the boundaries of retail possibilities
Deliver fast, secure and intuitive commerceexperiences for billions of customers.
Advance your retail business
Better guest experience.Better operational efficiency.They start with better technology.
We serve you the best techso you can better serve your customers.
Advance your restaurant business
Smooth the flow of energy and utilities
Move faster, work smarter and spend more time on energy transition initiatives.
Advance your energy and utilities business
Chart your path to better business health
Give your business the flexibility it needs to capitalize on trends and deliver great services.
Advance your healthcare business
Featured innovations
See all innovations
Your industry. FIS solutions.Businesses aren’t created all the same. For your specific needs, explore our you-tailored solutions.
Learn more
Crossover to cryptoLet FIS help you make the leap from traditional to digital assets across payments, banking and capital markets.
Learn more
Deliver a frictionless experienceMake sure your customers have what they need right at their fingertips when they’re ready to pay, borrow or invest.
Learn more
close
Solutions we provide
Solutions we provide
Advance Integrated Banking
Advance Integrated Banking
Core Banking
Create anywhere, anytime banking
Unified Omnichannel Banking
Build deeper relationships across digital and physical channels
Grow Commercial Banking and Asset Finance
Grow Commercial Banking and Asset Finance
Lending
Deliver an exceptional customer experience
Asset Finance
Modernize asset finance for the digital age
Commercial Onboarding
Optimize the onboarding experience across digital channels
Commercial Deposits
Modernize customer deposits and increase satisfaction
Run Banking Operations
Run Banking Operations
Back-office Solutions
Drive operational efficiency and customer satisfaction
Create Next-gen Platform Banking
Create Next-gen Platform Banking
Modern Banking Platform
Modernize, launch and scale banking innovation
Banking as a Service
Enrich capabilities and add value
Manage Wealth and Retirement
Manage Wealth and Retirement
Wealth Management
Strengthen your client relationships
Retirement Solutions
Transform the retirement experience
Take Payments
Take Payments
Omnichannel
Seamless experience across all channels
Check
Streamline item and lockbox processing
Make Payments
Make Payments
Business Payments
Make business payments flow
Digital
Digital wallet and bill pay
Real time
Accelerate real-time and other account-to-account payments
Issuing
Issue physical and virtual cards
Manage Payments
Manage Payments
Payment Optimization
Increase revenue through smarter centralization, authorization and validation
Fraud and Protect
Fight fraud and manage risk
Loyalty, Cards and Offers
Increase loyalty and generate revenue
Optimize Operations and Control Risk
Optimize Operations and Control Risk
Services and Infrastructure
Increase business efficiency
Risk and Compliance
Monitor exposure and ensure compliance
Finance and Accounting
Simplify accounting and reporting
Policy Administration and Workflow
Automate and streamline operations
Manage Cashflow and Capital
Manage Cashflow and Capital
Treasury and Risk Management
Modernize treasury and optimize the balance sheet
Credit and Collections
Increase cash flow
Enhance Trading and Investing
Enhance Trading and Investing
Asset Management and Servicing
Drive growth and optimize efficiency
Securities Finance and Processing
Consolidate and automate for maximum efficiency
Cleared Derivatives
Simplify post trade processing
Trading, Connectivity and Market Data
Accelerate your front office
ESG Solutions
Empower Your Sustainable Future
Discover Data Driven Insights
Discover Data Driven Insights
Data Solutions
Make data-driven decisions
Data Management
Increase data accuracy and efficiencies
Manage Customer Communications
Manage Customer Communications
Customer Communications
Engage your customers across every channel
Featured innovations
See all innovations
Your industry. FIS solutions.Businesses aren’t created all the same. For your specific needs, explore our you-tailored solutions.
Learn more
Make doing business less workConnect more dots, remove more steps and eliminate more risk by streamlining the entire B2B payments process.
Learn more
Deliver a frictionless experienceMake sure your customers have what they need right at their fingertips when they’re ready to pay, borrow or invest.
Learn more
close
Resources
Resources
For Clients
Client Portal Login
Minority Banking
For Partners
FIS Alliance Network
For Developers
Code Connect
Featured innovations
See all innovations
Your industry. FIS solutions.Businesses aren’t created all the same. For your specific needs, explore our you-tailored solutions.
Learn more
Increase the value of your dataGet inside your data to uncover hidden trends, visualize your position, grasp opportunities and predict risk.
Learn more
Create effortless, omnichannel experiencesMove money fast without the barriers that once limited who could participate and how that movement takes place.
Learn more
close
Explore more
Explore more
About Us
Corporate Overview
Executive Team
Board of Directors
Investors
Media Room
Corporate Citizenship
Global Sustainability
Awards
Ethics Office
Innovate with Us
InnovateIN48
InnovateIN48 Partner Edition
Fintech Accelerator
Learn From Us
Fintech Insights
Client Stories
Corporate Events
Featured innovations
See all innovations
Your industry. FIS solutions.Businesses aren’t created all the same. For your specific needs, explore our you-tailored solutions.
Learn more
Deliver a frictionless experienceMake sure your customers have what they need right at their fingertips when they’re ready to pay, borrow or invest.
Learn more
Create effortless, omnichannel experiencesMove money fast without the barriers that once limited who could participate and how that movement takes place.
Learn more
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close
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Jacksonville, Florida United States
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FIS: NOT JUST FINTECH, THE WORLD’S MOST INNOVATIVE FINTECH
Innovative fintech for Fortune 50 corporations, for the hottest startups. For global banks, for local retailers. We are FIS. We put innovation to work for you.
The world relies on FIS
Healthy economies depend on healthy financial systems. That’s especially important in today’s global economic environment, and it’s why the world relies on software from FIS. Our uptime is over 99%, keeping our systems safe for over 220k clients globally. Our asset management technology processes $40T on an annual basis. That’s nearly half the world’s total and over 1.5x the GDP of the U.S.
The world runs on FIS
We work with 95% of the world’s leading banks. We support more than one million merchants around the globe. So when you buy a coffee, check your balances, or invest in your 401(K), you’re likely running on FIS software.
The world builds on FIS
Since 1968, we’ve been pushing the limits and building the strength of financial technology. That’s why today, from Wall Street to Silicon Valley to places that have yet to emerge on the world scene, the most-innovative companies partner with FIS to build differentiating payment, banking and investment systems that improve the way we all live, work and play.
Innovators start here. (And never stop.)
Fintech innovation demands more than an original idea. You have to take that idea and develop it into a reliable product for the largest possible audience faster than your competition.
That's tough – whether you’re a garage startup or a global conglomerate, which is why FIS has made it our mission to become your destination for financial innovation.
We work with you to get new products to market faster, smarter, and ...more securely than anyone else. We've done it for Google, Apple and Goldman Sachs – and countless... disruptors, visionaries, game-changers and ground breakers like you.
Innovate. Innovate. Innovate.
Innovate with Speed
Whether you’re a giant enterprise or a startup, don’t waste time starting from scratch. FIS offers flexible cloud-based solutions for core payment, banking and investment functionality. You can focus your energy and resources where they matter most – innovation.
Innovate with Stability
When it comes to fintech, reliability is nonnegotiable. Reliability is the key to any product's success. And the reliable and efficient movement of money is vital to society – to individuals, corporations, whole societies. At FIS, reliability begins – and never ends – with stability. That's why we guarantee – yes, guarantee – that our products work 99.9925% of the time. That's an average of 6.48 seconds of downtime per day.
Innovate with Partners
For more than half a century, we’ve helped organizations of all types and sizes create amazing, secure and intuitive finance and commerce experiences for their billions of customers. Together, we’ve changed the world for the better. We couldn’t be prouder of how we’ve helped so many people move, manage and secure their money.
Innovation that matters brings recognition that matters
The leading names and companies in fintech recognize FIS as a leader, as an innovator, as people who help advance the world. Their recognition is important to us: yours, even more-so.
Awards and recognitions
Leading in fintech and humanity
We’re involved in the community
Wherever FIS works for business, we work as well for communities. We don’t just advance the way the world pays, banks and invests. We advance the world.
View details
Socially responsible investors and investments
With business and customers all over the world, helping improve the world through ESG is something FIS takes very seriously.
View details
Our Growth. Our History.
FIS has been about helping businesses and communities by advancing the way we pay, bank and invest. Today, we’re over 60,000 people in 50 countries advancing fintech to advance the world.
More history
Leaders Who Lead
FIS was founded by innovators for innovators and for innovation. The world runs on fintech and as the leader, FIS works to advance the way the world does business.
Meet our leaders
News You Should Know
Continual innovation means continuous news, informative press releases and other important information.
Our media room
GET STARTED WITH FIS
Connect with Sales
Visit Our Developer Site
ADVANCING THE WAY THE WORLDPAYS, BANKS AND INVESTS
Let's start a
conversation
Let’s work together to reach your goals. Reach out to us, and we will be happy to help.
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Jacksonville, Florida United States
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全球最大的金融IT解决方案提供商——FIS公司成长路径及经验借鉴分析-立鼎产业研究网
的金融IT解决方案提供商——FIS公司成长路径及经验借鉴分析-立鼎产业研究网首页热点观察趋势见解趋势洞察分析见解投资专题研究报告互联网信息金融服务医疗健康文体产业化工材料机电装备能源环保消费品建筑地产轻工纺织家电家居 矿产冶金现代农业其他行业数据中心数据情报企业库排行榜决策支持专项调研商业计划书规划咨询可行性报告企业战略市场定位投资机会IPO咨询关于立鼎17310456736搜索精品报告研究报告研究报告数据中心热点观察趋势见解请输入研究报告关键词环保PPP 健康体检 职业教育 智慧 文化创意 信息化 智能 当前位置： 立鼎产业研究网 » 数据中心» 企业库全球最大的金融IT解决方案提供商——FIS公司成长路径及经验借鉴分析分享：发布时间：2019-05-27 来源：立鼎产业研究网 点击量： 5241 FIS 是全球最大的金融IT 解决方案提供商，18 年营收84 亿美元，EBITDA 30亿美元，当前市值近360 亿美元，产品覆盖银行、证券、基金、交易所等主要金融领域，拥有超过5.3 万名员工，为全球2 万多家金融机构提软件、外包等各类型解决方案。——FIS 成长之路：客户导向、长线战略、立体扩张公司前身Systematics成立于1968 年，以为中小零售和机构银行开发数据处理软件为主，此后不断扩充银行IT 产品线，逐渐成长为领先的银行核心业务系统解决方案提供商。03 年被保险巨头富达国际金融（Fidelity National Financial,FNF）收购并更名为FIS，此后开启并购整合之路：一方面通过整合竞争对手扩大市占率，如04 年通过收购Kordoba 切入德国银行核心处理及外包解决方案市场；另一方面通过收购其他领域公司获得高粘性客户、扩充产品线，如15 年收购Sungard 切入证券IT。发展至今，公司已可以提供零售及机构银行、支付、资产和财富管理、风险合规、交易处理、记录保存、交易所、托管等业务的整套软件、服务和外包解决方案。FIS 五十余年的发展历程基本上就是美国金融IT 行业发展的缩影。我们把公司的战略演进归纳为三个阶段：第一个阶段，聚焦产品（1968-2003），公司完成从项目制到产品制再到解决方案的商业模式转变，至03 年被FNF 收购时已经是全美最大的金融IT 解决方案提供商之一，其贷款处理解决方案在全美前50 银行中的市占率高达96%，处理了美国近50%的住房按揭贷款业务。在此期间，公司以内生为主，进入90 年代后尝试外延发展但基本局限于银行核心业务系统领域，致力于强化自身的服务能力、交付全面的银行IT 解决方案，提高核心业务市占率。第二个阶段，聚焦场景（2003-2015），公司调整战略，将外延提高到与内生同等重要的地位，通过一系列并购整合切入不同场景，例如07 年收购eFunds 切入电子资金转账（EFT）、预付卡处理等新业务场景，15 年通过收购Sungard 进入资本市场IT 等。这一阶段公司对金融IT 的理解更加成熟，对技术的认知从业务处理工具升级为业务环境基础设施，从而使得公司转向将原业务领域沉淀的核心能力向其他场景输出并迅速做大规模。第三个阶段，聚焦价值（2015至今），公司已经占据了主要的金融场景并跟客户形成了高粘性的业务合作关系。作为技术领域最懂金融业务、金融业务领域最懂技术的公司，FIS 事实上已经成为客户的业务合作伙伴，通过提供更加成熟、集成的解决方案并通过探索新技术的应用提升客户业务效率，伴随客户走向成功。FIS: From Provider to Partner资料来源：公开资料——“三力”决定金融IT企业成长速度与未来高度基于上述认识，我们构建了金融IT企业的三力模型，以更加清楚地展现金融IT 行业竞争中企业需要具备的各种能力。我们认为，在金融IT 行业取得优势的企业需要具备切中需求痛点的产品力、高效的运营力以及完善的生态力。需要注意的是上述每一种能力都不是孤立的，彼此之间协同互补，不同能力的组合间产生巨大的合力才是企业在竞争中制胜的本质。金融IT 企业竞争三力模型资料来源：公开资料——产品力是金融IT企业立身的基石我们认为，产品力是企业能否真正解决客户需求痛点的关键所在，体现在行业纵深能力、技术能力、实施能力以及数据安全能力四个方面。1） 行业纵深能力：金融机构对价格相对不敏感，更关注产品是否能帮助其解决问题、提升业务效率，这就需要金融IT 企业要通过一个核心抓手去纵向和横向扩展能力边界。金融IT 企业的核心抓手就是其核心产品，一般而言核心产品所处理的业务对金融机构来说越重要就意味着客户黏性越高及议价能力越强。以核心产品为起点，纵向看，需要金融IT 企业对金融业务具有足够深的把握，提供全业务视角的系统架构设计和建设的端到端解决方案，避免客户在不同的业务环节上采用不同供应商的系统而产生的数据对接不通畅、系统故障难以定位等诸多问题，提升业务运行效率；横向看，需要覆盖足够广的业务条线，既能打通系统壁垒和数据壁垒为客户提供更全面的业务把控，也能尽可能满足客户个性化的需求。巨头FIS 的核心优势之一即在于拥有丰富的产品线，使其可以为用户提供打包定制或者集成式的服务以满足客户各种各样的业务需求。2） 技术能力：我们认为，金融IT 企业的技术能力包括云、微服务、AI、大数据等。对金融行业而言，未来信息科技不再是单纯的业务工具或者业务环境，而是一种重要的生产力，体现在能否实现敏捷开发和快速部署上线、是否具有大数据分析能力以及人工智能能力，因此，金融IT 企业需要具备极强的技术能力。3） 实施能力：将行业需求翻译为解决方案并进行产品落地的能力，实施速度及效果决定了用户体验。4） 数据安全能力：对金融机构来说，保证数据安全是最重要的底线。能够提供全面数据安全保障的厂商具备更强的竞争力。——运营力是金融IT企业发展的保障我们认为，运营力是金融IT企业稳步成长的保障，包括客户定位能力、获客能力、服务能力以及数据运营能力。1） 客户定位能力：金融机构规模不一、类型众多，不同规模、类型的企业需求不同，清晰的客户定位能够让金融IT 企业更有针对性地满足客户的个性化需求。2） 获客能力：金融IT 行业的获客能力除了受产品力影响外，还包括公司对销售渠道的投入力度、销售模式的选择等。3） 服务能力：售前、售后响应客户需求的能力，包括培训部署、咨询服务、系统维护等能力。越是核心业务，客户对金融IT 企业的服务能力要求就越高，我们认为这是本土企业相比海外企业而言具有的重要优势之一。4） 数据运营能力：企业通过新兴技术实现自身的智慧运营，同时向合作伙伴客户进行赋能。——生态力是金融IT企业最终发展方向未来金融IT 的形态是以金融业务为导向，提供贴合金融机构多样化需求的智能化服务。因此，构建生态实现不同企业间的协同互补将成为行业未来的发展方向。我们认为，金融IT 企业的生态构建能力取决于用户规模/价值提升能力、平台能力以及资本运作能力。1） 用户规模/价值：通过产品力及运营力拓展用户规模、提升单客户价值是金融IT 企业构建生态的基础。只有积累庞大的客户群体才能在转型平台企业时吸引足够多的生态伙伴，从而形成完整的生态圈。此外，只有提升客户生命周期价值才能维持自身营收及经营现金流的稳定，实现投入-产出-扩大投入-更大产出的正循环。2） 平台能力：通过构建业务中台、技术中台、数据中台向生态伙伴以及客户赋能的能力。例如，FIS 于2017 年推出Code Connect 平台，通过开放API、整合资源对接客户需求和第三方开发者，朝赋能者演进。3） 资本运作能力：资本运作是快速获取新技术、拓宽产品条线、积累新业务资源的高效手段，国内外主要金融IT 龙头企业均具有强大的资本运作能力，外延并购已经成为FIS 的主要成长策略。本文相关报告
2024年版中国互联网金融市场调查分析及趋势预测研究报告
互联网金融（ITFIN）是指传统金融机构与互联网企业利用互联网技术和信息通信技术实现资金融通、支付、投资和信息中介服务的新型金融业务模式。互联网金融ITFIN不是互联网和金融业的简单结合，而是在实现安全、移动等网络技术水平上，被用户熟悉接受后（尤其是对电子商务...
标签：金融IT 分享：专项调研商业计划书规划咨询可行性报告企业战略市场定位投资机会IPO咨询相关阅读京北方：国内领先的金融科技服务提供商，公司营收持续高增高伟达：国内领先银行IT服务商，外延布局互联网营销，金融IT恢复高增长长亮科技：银行核心系统龙头，立足核心拓展外围，金融IT全面开花润和软件：聚焦金融IT和软件开发，业绩增长稳健全球最大的金融IT解决方案提供商——FIS公司成长路径及经验借鉴分析恒生电子：国内金融IT 龙头，“云+AI”打开新一轮成长空间决策支持专项调研商业计划书规划咨询可行性报告企业战略市场定位投资机会IPO咨询排行榜企业库1便携播放器品牌排行榜2家用音响（音箱）市场知名品牌推荐3蓝牙音响（无线音箱）市场知名品牌分析4我国蓝牙耳机市场知名品牌推荐5手绘板（手写板/绘画板）十大品牌厂商6读卡器（内存读卡器）十大品牌厂商7国内锂电池市场主要品牌厂商8国内摄像头市场知名品牌推进东富龙：制药装备龙头，公司近期年末合同负债（订单）保持增长光大环境：全方位环境综合治理服务商，22-23年H1收入持续下滑健麾信息：药房智能化（药品智能化管理）龙头，23年前三季度公司收入、利润双降华旺科技：中高端装饰原纸龙头，23年公司业绩大幅增长宇新股份：深耕C4产业链，公司产能持续扩张，公司业绩稳步向上中国铁建：全球基础建设龙头，公司业绩持续稳健增长万润股份：布局环保材料、电子信息材料等四大业务板块，23年亏损严重阿里健康：医药电商巨头，公司毛利稳步提升，毛利率略有下降最新洞察大模型在医疗领域的市场空间将快速增长，AI有望与智慧药房快速结合2023年我国智能静配中心行业发展趋势及市场规模增长预测2019-2023年1-11月我国其他钼酸盐出口量、出口额、出口均价增长统计2023年全球及我国电池盒箱体（电池托盘）行业发展现状与市场规模分析2021-2023年国内PTMEG、GBL供需情况、价格走势分析2023年我国异辛烷行业政策影响分析：新征消费税，行业或进入新平衡17310456736在线客服扫描二维码，联系我们微信扫码，联系我们关于我们|典型客户|订购流程|售后保障|联系我们|版权声明Copyright@2003-2020 Leadingir corporation All rights reserved
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FIS 2023全球支付报告：中国先买后付快速增长，数字钱包占主导_腾讯新闻
FIS 2023全球支付报告：中国先买后付快速增长，数字钱包占主导_腾讯新闻
FIS 2023全球支付报告：中国先买后付快速增长，数字钱包占主导
FIS旗下Worldpay已经连续8年对全球支付展开调研，并发布The Global Payments Report（全球支付报告）分析全球支付使用偏好以及市场的变化。
今年的调研覆盖了40个国家地区市场支付现状，数据整合自央行、世行和国际货币基金组织等权威金融机构，集合4.8万名消费者实际数据调查、以及每年480+亿笔Worldpay支付数据，同时较往年新增实时支付数据 ，展现全球行业全貌。
全球支付市场各具特色
2022年，全球支付行业市场在持续变革中稳健前行。全球信用卡交易额继续上涨，但支付的相对份额在减少；数字钱包是增长最快的支付方式之一，在电子商务市场中占据主导地位；现金不再占据主导地位，但短期内依旧难以被取代；先买后付（BNPL）步入“2.0”新进程，产品种类逐渐丰富，市场规则逐步完善；在实时支付的推动下，由于通过较低成本与即时资金的可用性赢得了大量的商家，账户对账户（A2A）支付正在颠覆支付价值链。
全球电商市场持续显现出巨大的增长韧性和市场活力，预计全球电子商务交易额将从2022年约6万亿美元增长到2026年8.5万亿美元以上，复合年均增长率为9%。FIS旗下Worldpay商户解决方案中国区总经理/负责人施南飞表示，2022年相比疫情高峰期的电子商务增速来说，其增长率略有下降，但全球电子商务增长依然强劲。
根据报告洞察显示，全球消费者正积极拥抱新兴支付方式，对支付的选择性与灵活性也提出了更高要求。这些对于支付体验与消费管理的期待，也带动了包括数字钱包和先买后付 (BNPL)在内的各类本地支付方式 (APM)在全球范围内越来越受到消费者的青睐。
亚太（不包括中国）地区：预计到2026年，印度和东南亚地区将是亚太地区电子商务增长最强劲的区域，菲律宾、印度尼西亚、印度、马来西亚和越南将引领亚太地区的电子商务增长。在亚太地区（不包括中国），数字钱包的电子商务占比从2018年的12%增加到2022年的28%。
欧洲地区：欧洲支付偏好继续从卡和现金转向本地支付方式（APMs），预计在2022年至2026年期间，电子商务中的数字钱包将以12%的复合年增长率增长。账户对账户（A2A）支付因为其简单性、安全性、互通性且速度更快的特征，在欧洲各地蓬勃发展，占2022年欧洲电子商务交易价值的18%。
拉丁美洲地区：在移动商务的推动下，拉丁美洲在全球电子商务中增长最快，在2026年前年增长率将保持在两位数，到2026年将以16%的复合年均增长率增长。信用卡的统治地位将被终结，虽然信用卡仍然是电商支付的领导者，但是其市场份额慢慢被账户对账户（A2A）支付和数字钱包等本地支付方式蚕食。自2018年以来，数字钱包使用率增长了四倍，现金使用率下降了近一半
北美地区：北美地区电子商务的复合年均增长率放缓至9%。到2026年，美国账户对账户（A2A）将实现增长，至少占比电子商务交易价值的11%；在加拿大，账户对账户（A2A）将以27%的强劲复合增长率迅速增长，该地区用户可24/7/365直接使用A2A（账户对账户）支付方式。数字钱包已经取代信用卡成为北美第一大电子支付方式。
中国电子商务带动支付变革
《2023全球支付报告》显示，疫情防控常态化背景下，中国线上消费快速发展并持续催生出一系列多样化生态模式。作为中国消费者的主流购物渠道，中国市场的电子商务交易额在 2021年至2022年间实现了10%的增长。
施南飞表示，虽然全球经济增长有所放缓，但报告数据显示，中国电子商务市场预计至 2026 年将继续以 9%的复合年均增长率稳定增长。
报告显示，中国先买后付(BNPL)市场正在强势增长，更多消费者转向选择先买后付(BNPL)服务。其在2022年的交易额占比增长尤为显著，在电子商务市场中的占比达到4%，是增长最快的线上支付方式。形成这一增长的主要原因在于，中国先买后付(BNPL)服务大多都由本地头部超级应用或是知名电商平台直接提供(例如蚂蚁花呗、京东白条、微信分付)，这些头部应用和电商平台助推了先买后付 (BNPL)在中国市场的迅速普及与业务增长。并且报告预测，其总交易额预计到2026年将继续上涨至71%，达到1425亿美元。
在先买后付(BNPL)的快速增长下，数字钱包仍继续稳固在中国市场的主导地位，并正进一步加快普及步伐。2022年数字钱包支付在电子商务交易中的占比达到81%，在销售点 (POS) 占比达56%。并且根据报告的分析预测，数字钱包在中国的增长趋势不会放缓，预计到 2026年其在销售点(POS)的交易额占比将达到66%。
“数字钱包能够在中国市场稳占主导地位，是由于阿里巴巴和京东等电商平台市场份额的突出引领、国内超级应用生态的成功普及，以及如二维码支付等便捷操作在销售点(POS)的广泛触达等等多重原因叠加下的结果。”施南飞说道。
我们不能忽略支付技术的日益革新与进步。比如2022年先买后付(BNPL)在中国取得了巨大成功，一定程度上反映出消费者对信贷支付模式的积极态度。同时，数字人民币正在更广泛领域试点与应用，也彰显其成为值得关注的新兴支付方式。因此，随着零售和旅游业的复苏、消费者消费信心强劲提升，在不断变化的市场环境与消费者偏好行为下，商家更需要与时偕行，提供多样、便捷、安全、无缝的支付创新方案，才能更好地应对市场动态，稳赢未来。
中国支付趋势：
2021年至2022年，随着网购越来越受到消费者的青睐，中国电子商务交易额增长了10%。
中国电子商务市场增长乐观，预计到2026年的复合年增长率将为9%，预估交易额将达3.2万亿美元。
2022年，先买后付(BNPL)占电子商务交易额的4%。它也是增长最快的线上支付方式，预计到2026年，其在电子商务市场的交易额将增长71%，达到1425亿美元。
在中国，数字钱包普及方面仍然居于全球领先地位，占电子商务交易额的81%，占销售点(POS) 交易额的56%。
数字钱包预计将在销售点(POS)交易额进一步增长，到2026年其市场份额将增长到66%。同时， 信用卡、借记卡和现金的份额则会受到影响。
随着数字钱包的大幅增长和数字人民币的日益普及，现金在销售点(POS)交易额的占比预计到2026年将下降到5%。
该报告采用源于GlobalData的E-Commerce Analytics数据库电商市场规模和预测数据，以及电商市场规模增长的专用预测模型进行研究，回顾过去一年全球支付偏好变化。
使用历史份额百分比增长趋势与麦肯锡全球支付地图指示性趋势计算各地区支付方式划分的预测细目；应用麦肯锡宏观经济数据的家庭消费增长率计算销售点市场规模预测等集成规模数据，并经过外部专家以及FIS团队严格测试与验证，以展现真实完整洞察。
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FIS发布2022全球支付报告 - 知乎
FIS发布2022全球支付报告 - 知乎首发于虚拟信用卡切换模式写文章登录/注册FIS发布2022全球支付报告船长在航行4月20日，全球领先的金融技术解决方案、外包服务和战略咨询服务商FIS，发布了《2022全球支付报告》。 FIS旗下Worldpay已连续7年发布Global Payments Report（全球支付报告），2022版报告分析了全球41个特定的国家/地区现有和未来的支付趋势。由于全球经济，特别是旅游业，开始从新冠疫情早期影响中复苏，全球电子商务同比增长14%，交易额超过5.3万亿美元。移动端商务的份额超过了桌面端电子商务，移动设备交易额占所有电子商务消费额的52%。全球电子商务预计到2025年复合年均增长率将达到12%，届时总额将超过8.3万亿美元。 2021年，移动端商务的份额超过了桌面端电子商务。信用卡的份额下降了，借记卡的份额增加了；然而，银行卡的使用份额正逐渐转向直通式移动钱包。主要包含内容： 全球电商支付方式：欧洲市场趋势：报告网站：https://worldpay.globalpaymentsreport.com/编辑于 2022-06-24 03:19B2C 支付支付fis3赞同添加评论分享喜欢收藏申请转载文章被以下专栏收录虚拟信用卡虚拟信用卡，又称：
5000亿金融IT巨擘FIS，言过其实还是名副其实？_服务公司
5000亿金融IT巨擘FIS，言过其实还是名副其实？_服务公司
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5000亿金融IT巨擘FIS，言过其实还是名副其实？
2020-04-10 13:35
来源:
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原标题：5000亿金融IT巨擘FIS，言过其实还是名副其实？
在美国，无论是银行业还是证券业拥有200-300年的发展历史，且历经多次长周期考验。其中，美国股权直接融资占比超过50%，可以说市场成熟度非常高。
在此过程中，金融IT投入扮演着重要角色。由于硬件和基础软件在初期投入较大，越来越多的金融机构选择外购软硬件，不仅可以极大的缩短信息化耗时，更重要的是，头部金融IT服务商已经渗透到全金融领域，能够提供可靠的产品和解决方案。
放眼全球，就不得不提FIS（富达国民信息服务公司，Fidelity National Information Services）。
FIS成立于1968年，总部位于美国佛罗里达州，现已成为全球领先的金融技术解决方案、外包服务和战略咨询服务商，并于2001年登陆纽约证券交易所。
2019年公司营业收入103.33亿美元，净利润2.98亿美元。净利润同比下降64.8%，FIS公司解释为：由于收购Worldpay而带来的基础设施支出增加，以及出售部分资产而带来的销售和一般管理费用增加造成的。
受金融危机影响，公司股价在2008年曾在低位徘徊，随后一路攀升。2020年2月14日，FIS公司总市值975.08亿美元，股价最高点触及158.21美元，距02年最低点已上涨近17倍，CAGR达到17.66%。
展开全文
截至2020年4月6日收盘，FIS股价123.02美元，总市值758.20亿美元（约合5352.36亿元）。
那么，FIS到底是一家什么样的公司？如何能支撑起逾5000亿元的市值？
不知疲倦的并购“机器”
1968年FIS公司成立之初叫Systematics，是一家银行数据处理软件提供商。2004年，FIS并购了银行软件开发公司Kordoba，2005年并购了银行解决方案提供商InterCept，2006、2009年相继并购了2家金融服务提供商Certegy和Metavante。这段时间，FIS公司主要业务方向，还是集中在银行领域。
2010年是个转折点，FIS公司并购了管理咨询、IT咨询服务商，帮助公司加深了对金融行业各个流程和环节的理解，也为公司日后将业务边界拓展至战略咨询打下基础。
2012年，FIS公司收购了PRONET Solutions，Memento，ICS Risk Advisors三家风险、欺诈管理咨询服务商。2013年，FIS公司收购了手机银行解决方案提供商mFoundry。而早在2011年12月，mFoundry就获得了万事达、英特尔资本（Intel Capital）、FIS、摩托罗拉移动几家公司的1800万美元的投资，其SaaS软件服务允许银行等机构向用户提供移动银行功能，并进行支付。
2014年，FIS公司收购了全球领先的支付产品供应商Clear2Pay，而该公司提供了世界顶尖级的开放式支付框架(OPF)下的支付平台产品，并开始在国内外银行机构中提供支付应用。
此时，通过不断并购，FIS在银行端（特别是支付系统）以及管理咨询方面有较深的积淀，但这仍不足以支撑起业务遍及全金融领域的FIS。
2015年，FIS迎来了第二个转折点，完成了截至当时最大的一笔收购，作价91亿美元，全资收购金融软件制造商SunGard，标志着FIS正式进军证券IT、交易所IT等领域。
4年后的2019年，FIS迎来了第三个转折点，一举刷新了支付行业并购纪录，斥资350亿美元收购电子商务领域的支付服务商，每年处理超过400亿笔交易的Worldpay。FIS首席执行官加里·诺克罗斯(Gary NorCross)当日发表声明称，在这个瞬息万变的行业中，规模化发展至关重要。
进入2020年，FIS收购的步伐没有停止。近期，FIS完成了对信贷市场高价值托管服务和技术提供商Virtus Partners的收购，有望加速资本市场内生性收入增长，通过为中端和后端的买方和卖方市场参与者提供更有力的细分解决方案。
“规模化发展”或许就是FIS逾50年的并购史，不断拓展自身业务边界的原因。
这些收购扩大了FIS在全球的影响力，使其跻身《财富》 500强榜单，并使公司成为全球金融业最大的技术提供商。
四大业务模块拆解
2019年，FIS公司营业收入103.33亿美元，同比增长22.7%，主要来源于商家解决方案、银行解决方案和资本市场解决方案三个部分，其中银行解决方案贡献的收入占比56.8%，商家解决方案和资本市场解决方案几乎平分秋色。
1）基于支付的商家解决方案
由于收购了Worldpay，FIS已成为全球最大的支付提供商，其所解决的痛点在于：现今，商家了解自己的客群其实并不容易，客户的购买考虑、决定以及通过在线、实体店，还是跨设备的方式进行支付，都具有不确定性。
FIS能在全球范围内为商家提供增长和扩展所需的创新技术，帮助商家解决客户支付方面的问题。
在B2C电子商务方面，商家可以从FIS这里获取先进的支付解决方案，无需使用零散的支付功能；在B2B电子商务方面，FIS基于云解决方案，可与任何企业的支付系统匹配和集成，提供跨渠道、跨平台的无缝连接体验，
并且，FIS可以随时随地地在任何设备和跨渠道接受客户付款，简化了付款操作流程，提高商家的竞争力和利润。同时，因为付款形式更加便捷，使得商家可以减低成本，转化更多的销售额，并能够积极响应客户需求和行业变化。
2）深耕50年的银行解决方案
FIS就是从银行数据处理软件起家，到现在已经行成完善的银行解决方案，。
在FIS看来，金融机构、数字银行、挑战者银行可以通过直销银行的形式，为客户提供流畅的、个性化的服务，增加存款储备，扩大市场规模和获取低成本渠道。
到2020年，FIS预计将会有70％以上，近5000万客户开设直销银行帐户，但只有少数提供商会抓住这一难得的机会，主动转变其在金融服务中的角色。
FIS的角色，通俗来讲，就是改造传统银行的核心系统，提供开放式数字API解决方案，让银行通过API接口可以为客户提供多样化的产品和服务。
其实类似于国内的微众银行、网商银行这种形式，基本可以实现不借助线下实体网点，直接通过网上进行运营。
3）“后起之秀”资本市场解决方案
尽管FIS有着几十年深厚的技术积淀和对行业的理解，但从其2015年收购Sungard算起，正式全面进军资本市场也就5年左右时间。
其主要为资本市场提供投资银行和经纪业务、资产管理、保险方面的解决方案。客户涉及到90%的私募股权公司、90%的全球50家最大的银行、80%的全球50家最大的保险公司，管理资产数万亿美元。
针对买方，FIS提供的解决方案可帮助传统的资产管理公司，对冲基金，私募股权公司和基金管理人管理和增长其资产管理规模；针对卖方，FIS提供的解决方案可使商业和投资银行以及经纪交易商能够做市、借贷和管理风险。
以商业贷款为例，FIS提供的是“深度数字贷款”解决方案，可以用更快的速度，颠覆传统信贷模式，通过数字信贷吸引新客户。企业方通过单一的、可配置的、面向未来的平台来扩展自身的数字渠道，全面了解客户的贷款情况。
借助Optimist，企业方可以获得用于管理贷款关系的完整解决方案，方便企业进行信用评估；提供数字化体验，以缩短响应时间，降低成本并增加收入；ABCS在一个平台上支持无缝的商业和银团贷款交易管理，提供信贷服务。
以上列举的只是FIS在资本市场解决方案中的一个非常细分和具体的服务。
5000亿巨擘中国启示录
纵观FIS公司50年的发展历程，亿欧认为其能够拥有今天5000多亿元的市值，主要原因在于：深耕银行领域，抓住金融市场最大的参与主体；不断通过并购，补足短板，快速拓展业务边界；紧盯最前沿的技术趋势，不断更新迭代产品和服务。
需要注意的是，FIS公司近80%的业务来自也国内，其余的20%左右的业务来自于海外。未来，随着美国国内金融IT服务趋于饱和，会逐渐形成寡头垄断的格局，业务增长趋缓，拓展海外市场将成为其下一步重要的发力点。
在中国国内，金融IT领域经历了20多年的发展，尚处于混沌初开的格局，群雄争霸，还没有占绝对领导地位的金融IT服务商涌现。但随着金融开放的深化，国内金融机构需要“走出去”，参与全球竞争；同时，也“引进来”一批国际知名的金融机构参与国内竞争。
亿欧认为，国内金融IT领域不管是随着金融机构“走出去”还是“引进了”，都将面临比以往更严峻的挑战。不过，我们是可以借鉴FIS的成功经验：打造核心优势的业务板块、拓展业务边界、迭代产品和服务。
以恒生电子为例，截至2020年4月8日下午收盘，市值738亿元，二者在市值和营业收入方面，没有太大的可比性。但是，二者的共同点，都是全金融领域的IT服务商。
我们希望，也有理由相信，随着中国金融制度的不断完善，市场容量将不断扩大，金融IT市场规模将急速扩充，再经过十年、二十年的发展，中国金融IT领域一定会涌现出与FIS相匹敌的世界级金融IT服务商。
原作：马晓龙Amos 原文来源：亿欧网
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