Who we serve
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
Expertly engineered solutions
for your corporate needs

Focus on reducing cost and risk while boosting revenue and customer satisfaction.
Advance your business
Our policy for insurance solutions:
Helping you do more
for your policyholders.

Improving your business
so you can improve your
policyholders' 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 fintech

Build 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 commerce
experiences for billions of customers.
Advance your retail business
Better guest experience.
Better operational efficiency.
They start with better technology.

We serve you the best tech
so 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
Better serve and
protect your residents

Secure your agency against potential risks and ensure smoother transactions.
Advance your government agency
Unlocking financial technology to the world
Digital One

Align your customers and employees with unified data, delivering consistent experiences across all digital banking channels.

Automated Finance

Make finance a strategic advantage with a comprehensive suite of receivables, payables and revenue optimization tools.

Private Capital Suite

Automate accounting and reporting processes to deliver fresh insights and real-time responsiveness to private equity investors.

Solutions we provide
Unlocking financial technology to the world
Digital One

Align your customers and employees with unified data, delivering consistent experiences across all digital banking channels.

Automated Finance

Make finance a strategic advantage with a comprehensive suite of receivables, payables and revenue optimization tools.

Private Capital Suite

Automate accounting and reporting processes to deliver fresh insights and real-time responsiveness to private equity investors.

Resources
Unlocking financial technology to the world
Digital One

Align your customers and employees with unified data, delivering consistent experiences across all digital banking channels.

Automated Finance

Make finance a strategic advantage with a comprehensive suite of receivables, payables and revenue optimization tools.

Private Capital Suite

Automate accounting and reporting processes to deliver fresh insights and real-time responsiveness to private equity investors.

Explore more
Unlocking financial technology to the world
Digital One

Align your customers and employees with unified data, delivering consistent experiences across all digital banking channels.

Automated Finance

Make finance a strategic advantage with a comprehensive suite of receivables, payables and revenue optimization tools.

Private Capital Suite

Automate accounting and reporting processes to deliver fresh insights and real-time responsiveness to private equity investors.

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Jacksonville, 347 Riverside Ave, United States © 2025 FIS
  • SMALL TO MEDIUM FINANCIAL INSTITUTIONS

The digital age is here – and it’s not slowing down for anyone

Regional and community banks are feeling more pressure than ever to adjust to evolving customer demands. To move forward and compete in the ever-changing market, you need financial solutions that are innovative, flexible and disruptive. FIS® can help spare you from the worry of technology, regardless of your size.

Minority-owned banks

Communication, transparency, trust and partnership

Staying relevant in a competitive market requires providing safe and accessible banking for all. Find out how we’re strengthening our ties with Minority Deposit Institutions and Community Development Financial Institutions in the United States to promote financial inclusion.

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Get insights from regional and community bank experts

Discover thought leadership from the people who live and breathe small to medium financial institutions. Stay up to date with trends, get a deep dive on complex topics and see what’s coming up next.

Driving inclusion through payments

Learn how to remain relevant in your community by breaking down barriers and supporting financial inclusivity for all cardholders.

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The core banking platform that’s right for you

Your institution is unique. You need a core banking platform that aligns with your business needs and goals.

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What it really means to be a digital bank

Digitalization in banking has become a baseline for survival, but not all banks have fully digitalized and still have work to do.

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Make payments mean business

In this issue of Independent Banker, Meghan Oakes, vice president and head of enterprise payments Americas at FIS, highlights the rising opportunities in instant payments with the launch of FedNow.

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Elevate your small business

Spend a minute with FIS Division Executive B2B and Money Movement Mike Kresse as he talks embedded finance and how it can help small businesses thrive.

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Key trends that drive how consumers pay today

Today’s consumers have so many options. Discover how they’re making purchases so you can position your organization for future growth.

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Deliver the right cards to your customers

Opt for digital and physical card choices that speak directly to your cardholders through unique materials, extensive personalization and instant issuance.

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Fast action, less loss

Lake City Bank shares how the solution helps address crime quickly, the key to minimizing loss for the bank and its customers.

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Say goodbye to your connectivity woes

Eliminate costly individual connections and securely connect to your banking partners around the world with FIS Payments Hub – Standard Edition.

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Don’t risk getting left behind

By digitally transforming your bank, you can keep up with ever-changing customer demands.­

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Redefine your approach to ALM

New approaches to risk management and stress testing will be crucial for survival and growth after the recent financial institution closures and takeovers.

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Keep investing in innovation

IT spend in banking is growing at a higher rate than ever. And with good reason, according to top IDC analysts.

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The future belongs to the technology-enabled

Banks can’t afford to ignore the emerging technologies poised to transform the retail banking landscape for years to come.

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Client stories

Lake City Bank

With the sunsetting of its legacy core system, the bank harnessed the IBS core-processing platform from FIS to drive data-driven decisions, facilitate scalable growth and develop cutting-edge products.

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Heritage Bank

Through its partnership with FIS, this bank now delivers a more seamless and integrated banking experience to its customers, including improved security, new delivery channels and expanded business hours.

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Vidalia Federal Savings Bank

Working with FIS brought about an impactful shift in this bank’s approach, redefining operations, enhancing service quality and setting new industry benchmarks for customer-centric banking in the Vidalia community.

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Newburyport Bank

As a longstanding FIS client, this bank chose to stay with FIS and convert to the FIS HORIZON core platform to modernize how its employees engage with customers and automate previously manual processes.

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Commercial Bank of California

To drive business development and provide great customer experiences, account executives at this bank needed to cultivate and close on new business relationships anywhere, anytime by collecting signatures from any connected device.

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River City Bank

Implementing FIS Data Restore has allowed this bank to satisfy various data protection regulatory requirements and provided the resources to protect its data and implement stronger security protocols.

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Centennial Bank

Held back by its manual compliance processes, FIS helped transition this bank to a modern, enterprise-wide system that automates compliance checks and improves its ability to detect and report suspicious activity.

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National Capital Bank

To achieve its growth plans, this bank utilized the FIS HORIZON core platform to introduce new products and services, including new payment options, better sales and relationship management, and broader options.

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Oriental Bank

To meet the unique needs of millions of Puerto Ricans, this bank turned to FIS to help drive its business forward and reinvent itself with new operating and technology models and lending capabilities.

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A New York Trust Company

Looking to consolidate all its treasury-related processes into a single, easy-to-access platform, this company turned to FIS to automate its current processes and provide a global solution for expansion.

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Solutions by topic

Advance Integrated Banking – Core Banking

Create anywhere, anytime banking

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Advance Integrated Banking – Unified Omnichannel Banking

Build deeper relationships across digital and physical channels

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Run Banking Operations – Back-office Solutions

Drive operational efficiency and customer satisfaction

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Optimize Operations and Control Risk – Services and Infrastructure

Increase business efficiency

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Make Payments – Real Time

Accelerate real-time and other account-to-account payments

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Grow Commercial Banking and Asset Finance – Lending

Deliver an exceptional customer experience

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Let's talk

Let’s connect to discover how we can help your business innovate and prepare for the future, today.

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Core banking

Challenge

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?

Solution

Our integrated, scalable core banking solutions empower small to medium banks to make data-informed decisions and create next-generation products, streamlining banking activity across all channels to reduce risks, cost and time to market. We also offer modern core platforms for community banks with intuitive navigation and proven functionality to help deliver products and services customers can take anywhere.

Payout

Become even more efficient, agile and customer-centric, so you can support new business models and respond to evolving customer needs quickly, easily and cost effectively.

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Lending and leasing

Challenge

Whether you’re lending to businesses or consumers, or leasing vehicles or equipment, your customers expect fast, convenient access to financing. But to achieve that, you need a complete picture of your customers, which isn’t easy when data and business processes are fragmented across systems.

Solution

Provide credit at the point of need with buy now, pay later or our embedded finance solutions. Our single modular platform for commercial lending can also help you get a 360-degree view of customers and assess credit risk across your portfolio. Use integrated components, an end-to-end platform or a managed service for asset finance to support the entire leasing journey and configure our technology to your needs.

Payoff

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.

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Treasury, risk and cash flow

Challenge

Treasuries are under pressure to handle high volumes of payments in multiple formats and manage 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.

Solution

Delivered from the cloud, our modern, powerful treasury solution provides the automation, controls and analytics you need to manage simple and complex treasury requirements. Plus, you can get a centralized view of your balance sheet and consistent regulatory compliance through our preconfigured solutions for balance sheet and capital management.

Payout

Improve visibility while driving down costs and risk, get an instant snapshot of global positions and align risk, treasury and finance for effective balance sheet optimization.

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Wealth and retirement

Challenge

With more generations of wealth owners to serve, your wealth management and retirement teams must 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.

Solution

We deliver modern wealth and retirement solutions with scalable and flexible technology for managing investment assets for every type of retirement plan and regulatory requirement. With as-a-service solutions, we can manage and continually develop that technology on your behalf so you can add new services and integrate new partners.

Payoff

Succeed in an ultra-competitive market, accelerate growth and simplify compliance.

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Operations and managed services

Challenge

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.

Solution

Beyond delivering solutions, we can host, monitor, maintain and test them in a secure cloud environment. We can also help streamline your back-office operations, bringing together expert knowledge and premier tools to redesign workflows, reduce manual intervention and optimize efficiency. With banking as a service, we can help you create new revenue streams by delivering embedded finance capabilities to nonfinancial firms.

Payoff

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.

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Compliance, fraud prevention and security

Challenge

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?

Solution

Our award-winning regtech combines data, technology, expertise and services for robust security and compliance measures. We provide an AI-powered platform that helps solve regulatory challenges, like anti-money laundering and communications surveillance, and delivers a clear view of all your risks. Our fraud solutions help make sure you strike a balance between minimizing fraud and delivering a great customer experience.

Payoff

Keep regulators, auditors and customers happy with processes that are always compliant and safe, but fast and frictionless too.

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Cards and money movement

Challenge

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.

Solution

We simplify money movement for your organization, ensuring faster and more effortless and frictionless omnichannel experiences. Our global reach includes real-time, push-to-card and automated clearing house payments in over 50 countries. We also offer modern solutions for credit, debit and loyalty card issuing, processing, marketing and fraud protection.

Payoff

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.

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Enterprise payments

Challenge

With customers expecting increasingly sophisticated digital experiences, financial institutions can no longer afford to delay the modernization of payments. But when you’re faced with legacy technology and siloed systems, a full-scale transformation that replaces all your existing infrastructure in one go can take years to complete.

Solution

We can help you modernize in stages with cloud-native technology and APIs to introduce new, transparent, simplified and automated payments systems at your own pace. Our payment solutions consolidate international and domestic payments, and help you manage payment processes from customer interaction, order management and payment execution to fraud management.

Payoff

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.

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Core banking
Lending and leasing
Treasury, risk and cash flow
Wealth and retirement
Operations and managed services
Compliance, fraud prevention and security
Cards and money movement
Enterprise payments
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It’s a race to the top – don’t get left behind

With FIS, you can start supporting growth from a stronger, more resilient foundation. Build on our absolute performance as the #1 global fintech provider, backed by financial stability, rigorous security and decades of industry expertise.

Whether you offer individual, group, wealth and retirement, P&C or health insurance, we help you tackle the challenges confronting insurance companies today:

Competition
You’re facing a highly competitive, digital-first landscape where you must compete with aggressive insurtech entrants. We enable you to deliver a personalized, digitized and frictionless experience that attracts, retains and delights customers.

Market Changes
Sustained inflation, sustainability concerns and evolving customer product and purchase preferences make it hard to keep up. With FIS, you can modernize your legacy systems and rely on a single vendor to reduce costs and drive efficiencies.

Cybersecurity
Whether you’re a small firm or an enterprise company, fraud and cyber-attacks are growing exponentially – and your security needs to be as powerful as your technology. FIS has you covered with leading-edge security solutions that have protected our clients for decades.

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WHITEPAPER

Banking transformation has improved resilience to market disruptions

What's happening

It's getting to be a common theme in the banking industry that as soon as things start to improve and innovation resumes, another market disruption comes along. It was the pandemic in 2020, and now it’s inflation.

What's important

Yet, despite the turmoil, technology is becoming a more powerful tool for financial institutions to not only withstand disruptive storms effectively, but also to evolve into scalable digital businesses.

IT spend in banking
will grow at
8.8% through 2026
Source: IDC 2023

Learn more about how digital transformation enables smarter and faster responses to disruption

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Report

The Global Innovation Report 2023: Creating advantage in uncertainty

While the list of risks and uncertainties continue to grow, businesses – no matter the sector – must embrace innovation and new technologies to remain competitive and drive growth.

But how are businesses integrating innovation into their operations?

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Program

Unlock the next generation of innovation

Learn more about the FIS Fintech Accelerator program, designed for scaling solutions and accelerating commercialization through strategic partnerships.

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