Operates three main segments: core processing, payments (mainly debit), and complementary services for banks and credit unions.
Provides nearly all technology solutions for banks and credit unions except wealth management and mortgage underwriting.
Holds a strong win rate in core conversions, winning about half of 100 annual core switches in the market.
Competitor platform consolidation is expected to create multi-year incremental opportunities.
Existing relationships with 5,800 institutions provide a strong base for cross-selling.
Competitor sunsetting of platforms will force many customers to consider new providers, opening significant RFP opportunities.
Migration timelines are long due to 7–10 year contracts, with most decisions occurring two years before contract end.
M&A activity benefits the company, especially when its customers are acquirers.
Core wins often lead to additional sales of complementary products, both at contract signing and in subsequent years.
Most new customers opt for cloud-based solutions, driving cloud segment growth.
Payments segment is 60% card-based, focused on debit, with durable transaction-based revenue.
Rapid transfer and faster payment rails (FedNow, RTP, Zelle) are driving double-digit growth in enterprise payments.
Small business initiatives, including tap-to-local and rapid transfer, target underserved micro-merchant markets.
Move partnership enables real-time money movement and aims to recapture deposits for local institutions.
Small business solutions expected to become a major revenue source in payments over five years.
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