Fiserv, Inc. is a leading global provider of payments and financial services technology solutions, serving clients such as merchants, banks, credit unions, and other financial institutions. The company's primary revenue streams are processing and services revenue (82% of total revenue in 2023), primarily generated from account- and transaction-based fees, and product revenue (18% of total revenue in 2023), from sales of print and card production, software licenses, and hardware. Fiserv has a strong competitive position due to the non-discretionary nature of its products and services and operates globally.