Leadership conducted a comprehensive review, identifying competitive and client service gaps, and reset long-term growth expectations in October.
Focus shifted to client-driven, recurring, sustainable revenues, leveraging strengths in Financial and Merchant Solutions.
Management team and board were bolstered, attracting significant external talent.
Execution is organized around the five pillars of the One Fiserv plan, with strict prioritization of resources.
No major surprises since the October reset; business fundamentals remain steady.
Client-first mindset emphasizing service, resiliency, and product quality.
Clover growth through five vectors, including vertical and horizontal expansion and user experience improvements.
Technology modernization projects like Experience Digital, Cash Flow Central, Optis, Vision Next, stablecoin, and embedded finance are fully funded and managed to specific deadlines.
Project Elevate focuses on internal efficiency and leveraging modern technology.
Capital allocation is tightly managed to maintain investment-grade ratings and optimize asset holdings.
2026 guidance aligns with previous communications, with growth expected to accelerate in the second half of the year due to easier comparisons.
First half of the year projected at 1%-3% top-line growth, with underlying growth drivers becoming clearer in the back half.
Core banking business is expected to return to positive growth as service and technology improvements take hold.
No material exposure to the Middle East.
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