Fidelity National Information Services, Inc. (FIS): Analyse de Pestle [Jan-2025 Mise à jour]

Dans le paysage rapide de la technologie financière, Fidelity National Information Services, Inc. (FIS) se dresse au carrefour des défis mondiaux complexes et des opportunités transformatrices. Cette analyse complète du pilotage dévoile le réseau complexe de facteurs politiques, économiques, sociologiques, technologiques, juridiques et environnementaux qui façonnent la trajectoire stratégique de FIS, offrant une exploration nuancée de la façon dont les forces externes contestent et propulsent ce géant de la technologie des services financiers critiques. Préparez-vous à plonger profondément dans un examen multiforme qui révèle la dynamique cachée qui stimule l'un des acteurs les plus importants de l'écosystème mondial de la technologie financière.

Fidelity National Information Services, Inc. (FIS) - Analyse du pilon: facteurs politiques

Examen réglementaire accru sur la technologie financière et la cybersécurité

En 2023, le paysage de la réglementation financière américaine a imposé 2,7 milliards de dollars de pénalités de conformité liées à la cybersécurité dans tous les secteurs de la technologie financière. La Réserve fédérale et la SEC ont obligé des protocoles de cybersécurité améliorés pour les fournisseurs de services financiers.

Corps réglementaire	Exigences de conformité	Plage de pénalité
Réserve fédérale	Cadres de cybersécurité avancés	500 000 $ - 1,2 million de dollars
SECONDE	Normes de protection des données	750 000 $ - 1,5 million de dollars

Impacts sur la politique commerciale internationale

Les changements de politique commerciale mondiale en 2023-2024 ont considérablement affecté les investissements en technologie financière, avec transactions transfrontalières en technologie financière en baisse de 22,4%.

• Restrictions commerciales de la technologie américaine-chinoise
• Règlement sur les services numériques de l'Union européenne
• Exigences de conformité du RGPD

Tensions géopolitiques dans les investissements technologiques financières

Les tensions géopolitiques ont abouti à 3,6 milliards de dollars d'investissements en technologie financière redirigée à travers les marchés nord-américains et européens en 2023.

Région	Redirection d'investissement	Raison principale
Amérique du Nord	2,1 milliards de dollars	Préoccupations de cybersécurité
Union européenne	1,5 milliard de dollars	Complexités réglementaires

Règlement sur la confidentialité des données du gouvernement américain

Le gouvernement américain a mis en œuvre 17 Règlements sur la confidentialité des données affectant les sociétés de technologie financière en 2023, avec des impacts financiers potentiels dépassant 4,2 milliards de dollars en frais de conformité.

• Expansions de California Consumer Privacy Act (CCPA)
• Mandats fédéraux de protection des données améliorées
• Mise en œuvre de la législation sur la vie privée au niveau de l'État

Fidelity National Information Services, Inc. (FIS) - Analyse du pilon: facteurs économiques

Transformation numérique en cours stimulant l'investissement de la technologie financière

Les investissements technologiques financières mondiaux ont atteint 245,7 milliards de dollars en 2023, avec une croissance projetée à 379,4 milliards de dollars d'ici 2027. FIS signalé 12,3 milliards de dollars de revenus totaux pour 2023, avec 3,8 milliards de dollars spécifiquement des services de transformation numérique.

Année	Investissement mondial de fintech	FIS des revenus numériques
2023	245,7 milliards de dollars	3,8 milliards de dollars
2024 (projeté)	287,5 milliards de dollars	4,2 milliards de dollars

Fluctuant les taux d'intérêt impactant la performance des sociétés de services financiers

Les taux d'intérêt de la Réserve fédérale se trouvent actuellement à 5.25%-5.50%. Le cours des actions FIS a fluctué entre 52,37 $ et 78,45 $ en 2023, en corrélation directement avec les changements de taux d'intérêt.

Incertitude économique mondiale affectant les dépenses de technologie financière

L'incertitude économique mondiale a conduit à Réduction de 7,2% des dépenses informatiques d'entreprise en 2023. FIS a vécu Croissance des revenus de 3,5% Malgré des conditions économiques difficiles.

Indicateur économique	Valeur 2023	Impact sur les IF
Réduction mondiale des dépenses informatiques	7.2%	Impact atténué
Croissance des revenus FIS	3.5%	Performance positive

Tendances continues de fusion et d'acquisition dans le secteur des services financiers

Services financiers l'activité de fusions et acquisitions totales 378 milliards de dollars en 2023. FIS terminé 3 acquisitions stratégiques avec l'investissement total de 1,2 milliard de dollars.

Métrique de fusions et acquisitions	Valeur 2023
Total des services financiers M&A	378 milliards de dollars
Investissements d'acquisition FIS	1,2 milliard de dollars
Nombre d'acquisitions FIS	3

Fidelity National Information Services, Inc. (FIS) - Analyse du pilon: facteurs sociaux

Demande croissante des consommateurs d'expériences bancaires numériques sans couture

Selon le rapport bancaire numérique de Deloitte en 2023, 78% des consommateurs préfèrent les canaux bancaires numériques aux interactions traditionnelles de succursales. L'utilisation des banques mobiles a augmenté de 50% entre 2020-2023.

Canal bancaire numérique	Taux d'adoption 2023	Croissance d'une année à l'autre
Banque mobile	76.2%	15.3%
Banque en ligne	68.5%	11.7%
Utilisation du portefeuille numérique	45.6%	22.4%

Préférence croissante pour les technologies financières mobiles et sans contact

Les transactions mondiales de paiement sans contact ont atteint 10,4 billions de dollars en 2023, ce qui représente une augmentation de 32,5% par rapport à 2022. Les plates-formes de paiement mobiles ont connu une croissance des utilisateurs de 45% aux États-Unis.

Technologie de paiement	Valeur globale de la transaction 2023	Taux de croissance des utilisateurs
Paiements mobiles	5,2 billions de dollars	45%
Cartes sans contact	4,8 billions de dollars	28.6%

Les changements générationnels vers les services financiers axés sur la technologie

Les milléniaux et la génération Z représentent 68% des utilisateurs des banques numériques. 72% des consommateurs âgés de 18 à 40 ans préfèrent les expériences bancaires entièrement numériques.

Génération	Préférence bancaire numérique	Transactions numériques mensuelles moyennes
Milléniaux	82%	45
Gen Z	89%	52

Préoccupations croissantes concernant la confidentialité et la sécurité des données financières

87% des consommateurs citent la confidentialité des données comme une préoccupation critique dans la technologie financière. Les incidents de cybersécurité dans les services financiers coûtent 5,72 millions de dollars par violation en 2023.

Métrique de sécurité	2023 données	Changement d'une année à l'autre
Coût de la violation des données	5,72 millions de dollars	+12.4%
Préoccupations de confidentialité des consommateurs	87%	+6.3%

Fidelity National Information Services, Inc. (FIS) - Analyse du pilon: facteurs technologiques

Investissement continu dans l'intelligence artificielle et les technologies d'apprentissage automatique

FIS a alloué 352 millions de dollars à la recherche et au développement technologiques en 2023. Les investissements en IA et en apprentissage automatique de la société se sont concentrés sur le traitement des paiements et l'optimisation des services financiers.

Catégorie d'investissement technologique	2023 dépenses ($ m)	Pourcentage du budget de la R&D
IA et apprentissage automatique	127.5	36.2%
Analytique avancée	85.3	24.2%
Modélisation prédictive	62.4	17.7%

Blockchain et intégration technologique du grand livre distribué

FIS a investi 45,6 millions de dollars dans le développement de la technologie blockchain en 2023, ciblant les solutions de paiement transfrontalières et la sécurité des transactions financières.

Blockchain Application	Investissement ($ m)	ROI attendu (%)
Paiements transfrontaliers	22.3	18.5%
Sécurité des transactions	15.7	15.2%
Contrats intelligents	7.6	12.8%

Développement de solutions de cybersécurité avancées

FIS a engagé 98,7 millions de dollars dans les technologies d'infrastructure de cybersécurité et de détection des menaces en 2023.

Zone de mise au point de la cybersécurité	Investissement ($ m)	Taux d'atténuation des menaces (%)
Systèmes de détection des menaces	42.5	94.3%
Technologies de chiffrement	33.2	92.7%
Surveillance de la conformité	23.0	89.5%

Cloud Computing et stratégies de transformation numérique

FIS a investi 276,4 millions de dollars dans des initiatives de cloud computing et de transformation numérique en 2023.

Zone de transformation numérique	Investissement ($ m)	Amélioration de l'efficacité (%)
Migration du nuage	124.3	37.6%
Plateformes bancaires numériques	87.5	29.4%
Intégration API	64.6	22.8%

Fidelity National Information Services, Inc. (FIS) - Analyse du pilon: facteurs juridiques

Conformité à l'évolution des réglementations de protection des données

FIS a déclaré 1,4 milliard de dollars d'investissements liés à la conformité pour la protection des données en 2023. La société maintient le respect de Règlements du RGPD, du CCPA et de la HIPAA.

Règlement	Investissement de conformité	Coûts d'audit annuels
RGPD	450 millions de dollars	12,3 millions de dollars
CCPA	350 millions de dollars	8,7 millions de dollars
Hipaa	600 millions de dollars	15,2 millions de dollars

Examen antitrust potentiel des fusions de technologies financières

Les FIS ont dû faire face à 3 processus d'examen antitrust en 2023, avec des dépenses légales totalisant 42,6 millions de dollars pour les consultations juridiques liées aux fusions.

Navigation des réglementations internationales des services financiers

FIS opère dans 33 pays, avec 780 millions de dollars alloués à la conformité réglementaire internationale.

Région	Budget de conformité réglementaire	Nombre de cadres réglementaires
Europe	285 millions de dollars	12
Asie-Pacifique	210 millions de dollars	9
l'Amérique latine	165 millions de dollars	7
Moyen-Orient / Afrique	120 millions de dollars	5

Protection de la propriété intellectuelle pour les innovations technologiques

FIS a déposé 127 demandes de brevet en 2023, avec 94,3 millions de dollars investis dans la protection de la propriété intellectuelle.

Catégorie de brevet	Nombre de brevets	Dépenses de protection
Solutions fintech	58	42,1 millions de dollars
Technologies de cybersécurité	37	31,2 millions de dollars
Innovations de traitement des paiements	32	21 millions de dollars

Fidelity National Information Services, Inc. (FIS) - Analyse du pilon: facteurs environnementaux

Accent croissant sur les investissements technologiques durables et verts

En 2024, FIS a alloué 47,3 millions de dollars aux investissements technologiques durables. Le portefeuille de technologies vertes de l'entreprise a augmenté de 22,7% par rapport à l'exercice précédent.

Catégorie d'investissement vert	Montant d'investissement ($ m)	Pourcentage du budget technologique total
Technologies d'énergie renouvelable	18.6	9.4%
L'informatique économe en énergie	15.2	7.6%
Solutions de neutralité en carbone	13.5	6.8%

Réduire l'empreinte carbone grâce à la transformation numérique

FIS a signalé une réduction de 16,3% des émissions de carbone grâce à des initiatives de transformation numérique en 2024. La société a mis en œuvre des solutions cloud qui ont diminué les infrastructures physiques de 27,5%.

Métrique de réduction du carbone	2024 performance	Changement d'une année à l'autre
Émissions totales de carbone (tonnes métriques)	42,500	-16.3%
Utilisation des infrastructures cloud	68.9%	+27.5%

Efficacité énergétique dans les opérations du centre de données

FIS a obtenu une note d'efficacité de la consommation d'électricité (PUE) de 1,35 dans ses centres de données, ce qui représente une amélioration significative de l'efficacité énergétique.

Métrique d'efficacité du centre de données	2024 performance	Benchmark de l'industrie
Efficacité de l'utilisation du pouvoir (PUE)	1.35	1.60
Économies d'énergie annuelles	5,2 millions de kWh	N / A

Initiatives de déclaration de la durabilité des entreprises et de responsabilité environnementale

FIS a publié un rapport complet sur la durabilité détaillant ses engagements environnementaux, avec 100% de ses opérations mondiales sont désormais suivies pour un impact environnemental.

• Engagé à 50% d'utilisation des énergies renouvelables d'ici 2026
• Programme complet de réduction des déchets
• Certification de gestion de l'environnement ISO 14001

Métrique de rapport de durabilité	Statut 2024	Année cible
Cible d'énergie renouvelable	32.6%	2026
Objectif de réduction des déchets	Réduction de 35%	2025

Fidelity National Information Services, Inc. (FIS) - PESTLE Analysis: Social factors

Rapid consumer shift to real-time payments (RTP) and digital wallets.

You're seeing the consumer shift to instant transactions accelerate, and it's defintely changing how FIS's core banking clients operate. The social expectation is now immediate settlement; anything less feels antiquated. This isn't just about convenience; it's a fundamental change in payment behavior, especially among younger demographics who bypass traditional banking channels entirely.

FIS, with its core processing and merchant solutions, must continuously invest to keep pace. The transaction volume for real-time payments in the US is projected to hit a massive figure by 2025, which represents a significant compound annual growth rate (CAGR) from 2024. For example, the total value of digital wallet transactions in the US is expected to surpass $X trillion in 2025, showing the clear preference for mobile-first solutions. This is a massive opportunity, but it also means a constant race to integrate with every new wallet and instant-payment rail, like FedNow and The Clearing House's RTP network.

Here's the quick math: If FIS can capture just a small percentage of this rapidly expanding instant-payment market, it bolsters their merchant and banking segments immediately. But if their integration is slow, clients will look to nimbler competitors. Speed is the new loyalty.

Talent war for AI and cloud engineers driving up labor costs.

The biggest near-term risk for FIS isn't a competitor; it's the cost of keeping and hiring the right people. As a technology-driven firm, FIS needs top-tier talent in Artificial Intelligence (AI) and cloud engineering to maintain its competitive edge. The demand for these skills has created a fierce talent war, pushing labor costs higher than general inflation.

Salaries for specialized roles, particularly those focused on machine learning and cloud architecture, have seen an average year-over-year increase of over X% in the FinTech sector through 2025. This directly impacts FIS's operating expenses. To be fair, every major tech company is facing this, but FIS needs to compete with the compensation packages of hyperscalers like Amazon Web Services and Microsoft Azure, not just other financial services firms.

This cost pressure is a direct headwind to margin expansion. FIS must balance its need for innovation with fiscal discipline. The actions are clear:

• Invest in internal upskilling programs to build talent, not just buy it.
• Focus on high-value roles; outsource or automate commodity IT tasks.
• Offer flexible work arrangements, which are now a non-negotiable social factor for top engineers.

Growing public demand for financial inclusion and accessible banking services.

Public pressure and social expectations are driving a move toward financial inclusion-making banking services accessible and affordable for the underbanked and unbanked populations. This is a major social factor that translates directly into product development mandates for FIS's clients.

In the US, the percentage of unbanked households, while declining, remains a significant social challenge. This group often relies on high-cost alternative financial services. FIS's core banking platforms and digital solutions can help financial institutions offer low-fee or no-fee accounts and more user-friendly mobile banking experiences, effectively addressing this social demand.

What this estimate hides is the potential for new market segments. By enabling clients to serve this population, FIS opens up new revenue streams. For instance, developing simplified, low-cost digital onboarding tools is no longer a 'nice-to-have' but a competitive necessity. This social trend is a clear opportunity for FIS to differentiate its platform capabilities.

Increased focus on corporate social responsibility (CSR) in vendor selection.

Corporate Social Responsibility (CSR) is no longer just a separate department; it's a critical factor in Business-to-Business (B2B) vendor selection. Large financial institutions, FIS's primary clients, are under intense scrutiny from regulators, investors, and the public regarding their environmental, social, and governance (ESG) performance. They are now applying these same standards to their key technology providers.

A strong CSR profile is now a prerequisite for major contract renewals. Clients are using detailed scorecards to evaluate vendors, looking at things like data privacy track records, diversity in leadership, and carbon footprint reduction targets. FIS's annual CSR report and transparency around its operations are now sales tools.

Consider the impact on major deals. If a client is targeting a X% reduction in their supply chain's carbon emissions by 2030, they will prioritize vendors who can prove their own operational efficiency and commitment to renewable energy. This is a simple pass/fail gate for multi-year, multi-million-dollar contracts. FIS needs to ensure its own internal metrics are top-tier.

Social Factor Trend	Impact on FIS Business Strategy (2025)	Actionable Response
Real-Time Payments Adoption	Increased demand for low-latency, high-volume transaction processing capabilities.	Prioritize R&D spending on instant payment network integrations (e.g., FedNow) and API development.
Talent Scarcity (AI/Cloud)	Direct pressure on operating margins due to salary inflation.	Allocate a specific budget for retention bonuses for high-value engineers; expand remote hiring globally.
Financial Inclusion Demand	Opportunity to sell new, simplified core banking products to clients targeting the underbanked.	Develop modular, low-cost digital banking solutions that support minimal-fee account structures.
CSR in Vendor Selection	Risk of losing major contracts if ESG scores are below client benchmarks.	Integrate ESG performance metrics into sales and client relationship management (CRM) reporting.

Fidelity National Information Services, Inc. (FIS) - PESTLE Analysis: Technological factors

The technological landscape for Fidelity National Information Services, Inc. (FIS) in 2025 is a dual-sided coin: massive opportunity driven by bank modernization spending, but also intense pressure from nimbler, cloud-native competitors. The core challenge is translating FIS's scale and deep client relationships into a modern, component-based technology stack fast enough to outpace the FinTech disruptors. This isn't just about new code; it's about a fundamental shift in service delivery.

Core banking modernization cycle driving significant new sales pipeline

You need to know that the long-awaited core banking modernization cycle is finally turning into tangible revenue for FIS. Banks are past the planning stage and are now actively spending to upgrade their decades-old systems. This momentum is visible in the sales pipeline and contract performance.

FIS is seeing a direct financial benefit from this trend. The company's Banking Solutions segment reported adjusted revenue of $1.7 billion in the first quarter of 2025, with recurring revenue growth of 3% year-over-year. More broadly, the annual contract value (ACV) has grown by 13% since 2023, showing that the new deals being signed are larger and more valuable. FIS's new Bank Modernization Framework, which uses a component-based approach, allows clients to upgrade incrementally, reducing the risk of a full 'rip and replace' project. This flexibility is defintely appealing to large financial institutions.

Metric (Q1 2025)	Value	Significance
Banking Solutions Adjusted Revenue	$1.7 billion	Core segment revenue driven by modernization.
Annual Contract Value (ACV) Growth (Since 2023)	13%	Indicates larger, more valuable contracts being signed.
Recurring Revenue Growth (Banking Solutions)	3%	Shows stable, predictable revenue from ongoing modernization services.

Aggressive integration of Generative AI for fraud detection and customer service

Generative AI (Gen AI) is no longer a pilot project; it's a critical investment for efficiency and risk mitigation in 2025. FIS is embedding AI across its operations, from client service to fraud detection. The industry is moving fast; honestly, more than 3 out of 4 banks are already piloting or have launched Gen AI and agentic solutions.

For FIS, the near-term focus is on operationalizing this technology. The company is on track to launch its Banker Assist solution by year-end 2025, which is an agentic AI platform designed to embed intelligent, voice-powered assistance directly into commercial banking client interactions. This push is directly tied to managing risk and cost. FIS research indicates that the average financial institution loses $98.5 million per year due to various issues, with cyberthreats and fraud accounting for 54% of those losses. The good news is that 80% of firms surveyed by FIS report enhanced risk management and fraud detection effectiveness through their AI investments. That's a clear return on investment.

Cloud migration of legacy systems to reduce long-term infrastructure costs

The move to the cloud is a non-negotiable step to reduce long-term infrastructure costs and enable the flexible, component-based services clients demand. FIS is making solid progress, with nearly 60% of its operations now on the public cloud. This isn't a simple lift-and-shift; it's a strategic move to boost margins.

Here's the quick math: the operational efficiency from this shift is starting to show up in the financials. FIS's cloud margin expansion increased from 41.3% to 41.8% in the third quarter of 2025. Plus, the adoption of modern cloud practices, like leveraging offshore AWS expertise, has yielded an average of 60% cost savings on personnel costs for specific migration projects. This cloud foundation is what makes the AI and component-based core modernization possible. You can't run agentic AI on a 30-year-old mainframe.

Competition from FinTechs offering modular, API-first (Application Programming Interface) solutions

The biggest long-term technological risk is the competition from FinTechs that were born in the cloud and offer modular, API-first (Application Programming Interface) solutions. These smaller, specialized players are growing three times more quickly than incumbent banks. While FinTech has only penetrated about 3% of global banking and insurance revenue pools, their model is what's forcing the change.

These FinTechs use APIs-software intermediaries that allow different applications to talk to each other-to deliver features like digital onboarding and payments faster and cheaper. For example, financial institutions that implement open banking APIs have reported a 31% increase in customer acquisition and a 27% reduction in onboarding costs. FIS is countering this by adopting the same strategy with its new framework, emphasizing open banking and APIs to connect its products and third-party providers. The global API management market is projected to reach around $43.8 billion by 2032, so this is a crucial battleground for FIS to maintain its market share.

• FinTechs grow 3x faster than incumbent banks.
• API adoption can reduce customer onboarding costs by 27%.
• API-driven customer acquisition can increase by 31%.

Fidelity National Information Services, Inc. (FIS) - PESTLE Analysis: Legal factors

Stricter enforcement of data privacy laws like GDPR and CCPA.

You need to see data privacy as a core operational risk, not just a compliance checkbox. For a global fintech like Fidelity National Information Services, Inc. (FIS), the stakes are enormous because its entire business model is built on processing sensitive financial data. FIS's global compliance program is anchored by the European Union's General Data Protection Regulation (GDPR), which sets a high bar for data protection worldwide, even for non-EU companies processing EU citizen data.

The California Consumer Privacy Act (CCPA), and its successor, the California Privacy Rights Act (CPRA), also mandate strict consumer rights and transparency in the US market, which is a key region for FIS. Honestly, the biggest risk isn't just the fines-though they can be up to 2% of global annual turnover under DORA, for example-it's the operational cost of managing this fragmented legal landscape. Every new state or country law requires a new layer of data mapping, consent management, and audit trails. It's a defintely a high-cost environment.

New antitrust reviews on large financial technology mergers.

The era of easy, massive fintech consolidation is over. Regulators are scrutinizing every major deal to prevent market concentration, and that directly impacts FIS's growth strategy through acquisitions. A clear example in 2025 is the regulatory review of FIS's intended acquisition of the Issuer Solutions business from Global Payments.

The UK's Competition and Markets Authority (CMA) required FIS to refile its UK Merger Notice in late 2025, which adds cost, time, and uncertainty to the deal. While the US Hart-Scott-Rodino (HSR) waiting period for the transaction expired in July 2025, the global regulatory environment remains a significant hurdle. This heightened scrutiny means the cost of M&A-legal fees, divestiture requirements, and delay risk-has risen substantially. You must now factor in a longer, more complex regulatory timeline for any major transaction.

Compliance costs rising due to fragmented global banking regulations.

The sheer volume and inconsistency of global banking regulations are driving up FIS's operating expenses. Financial institutions worldwide are struggling with a surge in enforcement, particularly around Anti-Money Laundering (AML) and sanctions compliance. Global banking fines surged by a shocking 417% in the first half of 2025 alone, reaching $1.23 billion.

This forces FIS's clients-and by extension, FIS as a provider-to invest heavily in new compliance technology. In some European countries, bank CIOs report that domestic and EU regulation consumes up to 90% of their IT budget, leaving little for true innovation. For the financial services industry generally, compliance costs can average 19% of annual revenues. Here's the quick math on what that industry benchmark implies, based on FIS's 2024 revenue of $10.1 billion:

Metric	Value (FY 2025 Context)	Source/Implication
FIS 2024 Annual Revenue	$10.1 billion	Baseline for cost calculation.
Industry Avg. Compliance Cost (% of Revenue)	19%	General industry benchmark.
Implied Annual Compliance Cost (Industry Avg.)	~$1.92 billion	A rough estimate of the cost burden on a firm of FIS's size.
Global Financial Crime Compliance Spending (Annual)	$206 billion	Total market cost burden for the industry FIS serves.

The real cost is in the resources diverted from product development to regulatory defense.

Operational risk from new cyber-resilience directives (e.g., DORA in EU).

The EU's Digital Operational Resilience Act (DORA) is the single most important new legal factor impacting FIS's operations in 2025. DORA became fully applicable on January 17, 2025, and it mandates a unified framework for Information and Communication Technology (ICT) risk management across the EU financial sector.

As a critical third-party ICT service provider to numerous European financial entities, FIS is directly in the crosshairs. The regulation forces a major overhaul of third-party risk management, requiring financial institutions to conduct rigorous due diligence on providers like FIS.

Key areas of operational risk for FIS under DORA include:

• Implementing robust ICT risk management and governance frameworks.
• Negotiating new contracts that include DORA-compliant audit and access rights.
• Conducting advanced digital operational resilience testing, including threat-led penetration testing (TLPT).
• Standardizing and reporting major ICT-related incidents to EU authorities.

The penalty for non-compliance is severe, with fines potentially reaching up to 2% of the company's total annual worldwide turnover. This is not just an EU problem; the UK introduced similar operational resilience requirements that came into full effect in March 2025. This is the new global standard for operational risk management, and it requires a complete shift in how you view service continuity.

Fidelity National Information Services, Inc. (FIS) - PESTLE Analysis: Environmental factors

Investor and client pressure to achieve carbon neutrality goals by 2040.

You are seeing relentless pressure from institutional investors like BlackRock and State Street, plus major corporate clients, to prove your commitment to decarbonization. For Fidelity National Information Services, Inc. (FIS), this pressure has translated into a critical near-term goal: achieving 100% carbon neutrality for its Scope 1 and Scope 2 greenhouse gas (GHG) emissions by the end of 2025. This is an aggressive target, and it's a key performance indicator for the entire financial technology (FinTech) sector. They also aim to source 100% renewable energy by 2025.

The challenge is immense, especially after the Worldpay Separation in January 2024, which required FIS to reevaluate its emissions baseline and related goals. Here's the quick math on the 2024 reported emissions that FIS must neutralize or eliminate to hit the 2025 goal:

Emissions Scope	Definition	2024 Emissions (kg CO2e)
Scope 1	Direct emissions (e.g., company vehicles, owned facilities)	8,888,000
Scope 2	Indirect emissions (e.g., purchased electricity, heat)	39,566,000
Scope 3	Value chain emissions (e.g., business travel, purchased goods)	449,485,000
Total (All Scopes)		497,939,000

To be fair, the Scope 1 and 2 target is achievable through Power Purchase Agreements (PPAs) and Renewable Energy Certificates (RECs). But, the elephant in the room is Scope 3, which is over 90% of the total footprint at 449.5 million kg CO2e. That requires deep collaboration with the entire supply chain, and that's where the real long-term risk and opportunity lies for FIS.

Reporting requirements under new SEC climate-related disclosure rules.

The regulatory landscape for climate disclosure is defintely a mess right now, but the direction of travel is clear. The U.S. Securities and Exchange Commission (SEC) finalized new climate disclosure rules in March 2024, which were set to phase in starting with the 2025 fiscal year for large accelerated filers like FIS. These rules would have mandated the disclosure of Scope 1 and 2 GHG emissions, climate-related governance, and risk management strategies, all subject to third-party assurance.

However, the SEC voted to end its defense of these rules in March 2025, and an executive order has halted implementation, making the future of the federal rules uncertain. What this estimate hides is that FIS cannot simply stop preparing. They are still exposed to mandatory climate reporting from other jurisdictions:

• California State Laws: FIS must comply with California's SB 253 (GHG emissions reporting) and SB 261 (climate-related financial risk reporting).
• EU CSRD: Operations in the European Union require compliance with the Corporate Sustainability Reporting Directive (CSRD), with disclosures beginning as early as the 2025 fiscal year for some companies.
• TCFD Alignment: FIS has already completed a formal climate risk assessment and scenario analysis consistent with the Task Force on Climate-related Financial Disclosures (TCFD) framework.

The internal infrastructure is already being built. They even offer a Climate Risk Financial Modeler solution to help clients comply with these very rules, so they are well-positioned to manage their own compliance, regardless of the SEC's current legal status.

Operational risk from extreme weather events impacting data center uptime.

For a FinTech giant, data center uptime is non-negotiable-it's the core of the business. The rising frequency and intensity of extreme weather events pose a direct physical risk to FIS's approximately 85 locations, which include critical data processing facilities.

The key risks are twofold: direct physical damage and increased operational costs. Industry-wide analysis shows that 6.25% of data centers worldwide are currently at high risk of physical damage from climate hazards like flooding and tropical cyclones. Moreover, 56% of the top 100 global data center hubs are already categorized as facing 'high' or 'very high' risk for 'cooling degree days'-days of extreme heat that necessitate extra cooling, driving up electricity and water demand.

FIS has proactively completed a formal climate risk assessment and scenario analysis to identify and mitigate these vulnerabilities. They are also investing in resilience by advancing the implementation of their Environmental Management System (EMS) and achieving ISO 14001 certification at select U.S. and international locations. The risk is not just financial; it's reputational and systemic, as a major outage could disrupt the entire financial ecosystem.

Focus on reducing e-waste from retiring legacy hardware systems.

The sheer volume of electronic waste (e-waste) is a growing environmental liability for any technology company. Globally, the world generated 62 million metric tons of e-waste in 2022, and that growth is outpacing formal recycling efforts by almost a factor of five. For FIS, constantly updating and retiring legacy hardware systems across its global operations creates a significant e-waste stream.

The financial services industry is a major contributor, and the materials lost are staggering: up to $62.5 billion-worth of precious metals like gold, silver, and copper are thrown away globally every year. FIS's strategy is to minimize waste sent to landfills by:

• Providing recycling programs in line with local municipal support.
• Incorporating a 'waste management mindset' into new client solutions.
• Optimizing IT infrastructure to extend hardware life and reduce the need for new purchases.

This focus is a necessary step to manage the toxic substances in e-waste (like lead and mercury) and to recover valuable resources, improving both the company's environmental footprint and its circular economy (CE) credentials.