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FIS sees smarter payments powering AI agents. FIS is developing 'transaction intelligence' to allow AI agents to navigate payments and financing options for consumers. Curated by Financing Your Way from original reporting by PYMNTS. Summary is AI-assisted and editorially reviewed - see its editorial standards. Artificial intelligence is moving beyond simple chatbots and into the world of autonomous transactions. FIS is focusing on 'transaction intelligence' to enable AI agents to handle payments on behalf of consumers. For retailers, this represents a shift from a customer manually clicking 'buy' to an automated system navigating the checkout flow based on pre-set preferences. This technology aims to reduce friction by predicting how a customer wants to pay, whether that is via credit, debit, or a Buy Now, Pay Later (BNPL) plan. The goal is to create a 'smarter' payment flow that recognizes the context of a purchase. For example, an AI agent could analyze a user's financial health in real-time to suggest the most cost-effective financing option at the point of sale. This could lead to higher conversion rates for high-ticket items, as the AI handles the complexity of applying for credit or selecting the right installment plan. Operators should prepare for a future where their checkout systems must communicate not just with human shoppers, but with digital assistants authorized to spend money. Who else is covering this

Kredittbanken selects FIS(R) Total Issuing? PRIME in the Cloud to modernize its platform. Published on 09/30/2026 at 04:05 am EDT S&P Capital IQ Kredittbanken ASA, has selected global financial technology leader FIS(R) and PRIME in the Cloud from FIS(R) Total Issuing? Solutions to modernize the core system that manages its loans, deposits and credit cards. Financial institutions across Europe are increasingly choosing to shift from self-managed platform deployments to fully managed cloud services, helping free their teams to focus on customer growth and product innovation. Kredittbanken will now move forward with PRIME in the Cloud, running on Amazon Web Services (AWS), giving them the agility to grow their business and innovate at pace. Through its agreement with FIS, Kredittbanken is building on its long-standing relationship with TSYS, now part of FIS, to modernize its core system that manages loans, deposits and credit cards. This transition is part of the bank?s broader core modernization program and supports their strategy of increased standardization, reduced complexity and scalability. With PRIME in the Cloud, Kredittbanken will gain access to the latest release of the PRIME platform and regular innovation and compliance updates through a standardised approach. PRIME in the Cloud delivers automated infrastructure upgrades, elastic scale, and extensive API-first integration capabilities, enabling Kredittbanken to continue to evolve its digital-first customer-centric product and collaboration strategies. (C) S&P Capital IQ - 2026

FIS delivers real-time transaction clarity to debit cardholders. September 28, 2026 * FIS has integrated data and AI platform Spade's real-time transaction enrichment technology into its strategic debit processing platforms, connecting transactions to an enriched merchant identity drawn from a database which, according to Spade, covers 99.9% of U.S. and Canadian businesses. * FIS debit issuing clients can now surface more accurate merchant names, location data, and transaction details on cardholder statements, potentially reducing unnecessary disputes and delivering a more transparent payment experience. * FIS debit issuing clients gain access to enriched merchant data at the transaction level to better enable authorization decisions, dispute management and mitigation, and personalized cardholder experiences. JACKSONVILLE, Fla., September 28, 2026 - FIS(R)(NYSE: FIS), a global leader in financial technology, today announced the integration of Spade's real-time transaction enrichment technology into FIS's debit processing platform. The integration is designed to give FIS debit issuing clients access to richer, more precise merchant data at the transaction level and to help ensure cardholder statements reflect clearer, more recognizable merchant names. The designed result is to reduce unnecessary disputes, enable stronger authorization decisions, and facilitate a more transparent payment experience for cardholders. Ambiguous transaction labels on cardholder statements can drive unnecessary disputes and degrade the data financial institutions need to make accurate authorization decisions. To address these issues, Spade's enrichment technology is designed to match transactions to a more recognizable merchant identity and surface cleaner, more recognizable merchant names on cardholder statements. FIS embeds this capability into its debit processing platform so that financial institutions are better positioned to manage and mitigate dispute volumes and give cardholders a clearer, more accurate view of their spending. Bringing greater transparency to money in motion - the moment funds move between consumers and merchants - is central to how FIS helps financial institutions deliver better experiences across the money lifecycle. Spade's enriched transaction data is designed to enhance FIS debit issuing clients' experiences across three core areas. First, financial institutions can deliver enhanced transaction transparency to cardholders through cleaner, more recognizable merchant data on statements. Second, FIS debit issuing clients are positioned to potentially improve authorization rates through enhanced transaction intelligence. Third, financial institutions can power more accurate analytics, AI features, and personalized cardholder experiences using more accurate merchant data as a foundation. "A clear transaction record can help customers keep better track of where their money is going, and financial institutions deserve data that helps make that possible," said Kim Bynan, Head of Issuing Solutions, FIS. "The integration of Spade's enrichment technology into our debit processing platform is designed to give our clients a cleaner, more complete picture of transactions, so they are better positioned to mitigate dispute volumes and deliver the clear, reliable payment experiences their customers expect." "Delivering a modern payment experience starts with understanding the exact origin of every transaction," said Oban MacTavish, Co-Founder and CEO of Spade. "Integrating with FIS puts enriched merchant data inside one of the leading issuing platforms in the market, setting a new standard for transaction transparency across the financial industry." The integration is available to FIS debit issuing clients now, as a part of FIS's broader strategy to build data intelligence into its issuing infrastructure, reinforcing FIS's commitment to helping financial institutions enhance authorization performance and fraud resilience as payment ecosystems grow more complex. FIS is a financial technology company providing solutions to financial institutions and businesses. Fidelity Information Services, LLC unlock financial technology to the world across the money lifecycle underpinning the world's financial system. Its people are dedicated to advancing the way the world pays, banks and invests, by helping its clients to confidently run, grow, and protect their businesses. Its expertise comes from decades of experience helping financial institutions and businesses of all sizes adapt to meet the needs of their customers by harnessing where reliability meets innovation in financial technology. Headquartered in Jacksonville, Florida, FIS is a member of the Fortune 500(R) and the Standard & Poor's 500(R) Index. Let's talk. Together, Fidelity Information Services, LLC can work to solve your business goals. Please provide your email address below and a representative will reach out to you soon.