這家《財(cái)富》美國500強(qiáng)公司因疫情受益，提前達(dá)成目標(biāo)
Lance Lambert
2020-10-21
疫情之下，行業(yè)停擺或顧客減少給許多企業(yè)的發(fā)展前景蒙上了一層陰影。但也有少數(shù)幸運(yùn)兒從中獲得了更好的發(fā)展機(jī)遇，富達(dá)國民信息公司（Fidelity National Information Services）便是其中之一，疫情也使其此前推出的金融戰(zhàn)略越發(fā)顯得正確。
作為一家總部位于杰克遜維爾的金融科技公司，富達(dá)國民信息在《財(cái)富》美國500強(qiáng)中排名第303位，成立52年以來，其大部分時(shí)間都專注于金融產(chǎn)品與服務(wù)業(yè)務(wù)。
去年初春，為拓展業(yè)務(wù)邊界，富達(dá)國民信息決定以430億美元收購移動(dòng)支付公司W(wǎng)orldpay，后者每年可以處理約400億筆交易。富達(dá)國民信息的首席執(zhí)行官加里?諾克羅斯近期在接受《財(cái)富》雜志采訪時(shí)說：“當(dāng)疫情爆發(fā)時(shí)，我們已經(jīng)完成了對(duì)Worldpay的業(yè)務(wù)整合，同時(shí)我們也很好地利用了市場創(chuàng)造的各種機(jī)會(huì)，使得公司數(shù)字渠道業(yè)務(wù)有了飛速增長。”
諾克羅斯表示，受疫情影響，全球消費(fèi)者都被迫窩居家中，電子商務(wù)的發(fā)展進(jìn)程因之大為提前。事實(shí)也確實(shí)如此，IBM的一項(xiàng)分析發(fā)現(xiàn)，受疫情影響，實(shí)體商店向電子商務(wù)轉(zhuǎn)型的速度加快了五年之多。與此同時(shí)，消費(fèi)者對(duì)數(shù)字交易的依賴度也越來越高，而紙幣的使用率則越來越低。
紙幣最早出現(xiàn)在11世紀(jì)中國的宋朝，“我們認(rèn)為，其使用率將會(huì)繼續(xù)降低。這也是WorldPay吸引我們的原因?！?諾克羅斯說。富達(dá)國民信息在收購Worldpay時(shí)便預(yù)計(jì)數(shù)字交易將會(huì)日漸取代現(xiàn)金交易，只是沒有想到這一切會(huì)發(fā)生的這么快。
如果沒有收購Worldpay，那么受全球經(jīng)濟(jì)衰退影響，富達(dá)國民信息2020年第二季度的營收將整體下降7%，但現(xiàn)在，該公司營收非但沒有下降，反而增長了40%，從21億美元增至近30億美元，富達(dá)國民信息的商戶收入更是從2019年第二季度的9700萬美元直線攀升至2020年第二季度的8.12億美元，而這主要是收購Worldpay商戶業(yè)務(wù)的功勞。
Argus Research的金融服務(wù)研究業(yè)務(wù)主管斯蒂芬?比格告訴《財(cái)富》雜志，此次收購將使該公司的運(yùn)營利潤率從35%左右增長至45%左右。比格說：“數(shù)字支付如此迅猛的增長肯定也出乎了他們的意料，不過疫情的爆發(fā)恰好給數(shù)字支付帶來了發(fā)展風(fēng)口，使其得以一飛沖天?！?/p>
穆迪投資者服務(wù)公司（Moody’s Investors Service）的評(píng)級(jí)與研究高級(jí)分析師彼得?克魯科夫斯基補(bǔ)充說，本次收購還讓富達(dá)國民信息得以進(jìn)一步與金融機(jī)構(gòu)進(jìn)行業(yè)務(wù)整合。
雖說運(yùn)氣有時(shí)比實(shí)力更重要，但富達(dá)國民信息的例子則說明，最好兩者都能夠兼而有之。（財(cái)富中文網(wǎng)）
譯者：梁宇
審校：夏林
疫情之下，行業(yè)停擺或顧客減少給許多企業(yè)的發(fā)展前景蒙上了一層陰影。但也有少數(shù)幸運(yùn)兒從中獲得了更好的發(fā)展機(jī)遇，富達(dá)國民信息公司（Fidelity National Information Services）便是其中之一，疫情也使其此前推出的金融戰(zhàn)略越發(fā)顯得正確。
作為一家總部位于杰克遜維爾的金融科技公司，富達(dá)國民信息在《財(cái)富》美國500強(qiáng)中排名第303位，成立52年以來，其大部分時(shí)間都專注于金融產(chǎn)品與服務(wù)業(yè)務(wù)。
去年初春，為拓展業(yè)務(wù)邊界，富達(dá)國民信息決定以430億美元收購移動(dòng)支付公司W(wǎng)orldpay，后者每年可以處理約400億筆交易。富達(dá)國民信息的首席執(zhí)行官加里?諾克羅斯近期在接受《財(cái)富》雜志采訪時(shí)說：“當(dāng)疫情爆發(fā)時(shí)，我們已經(jīng)完成了對(duì)Worldpay的業(yè)務(wù)整合，同時(shí)我們也很好地利用了市場創(chuàng)造的各種機(jī)會(huì)，使得公司數(shù)字渠道業(yè)務(wù)有了飛速增長?！?/p>
諾克羅斯表示，受疫情影響，全球消費(fèi)者都被迫窩居家中，電子商務(wù)的發(fā)展進(jìn)程因之大為提前。事實(shí)也確實(shí)如此，IBM的一項(xiàng)分析發(fā)現(xiàn)，受疫情影響，實(shí)體商店向電子商務(wù)轉(zhuǎn)型的速度加快了五年之多。與此同時(shí)，消費(fèi)者對(duì)數(shù)字交易的依賴度也越來越高，而紙幣的使用率則越來越低。
紙幣最早出現(xiàn)在11世紀(jì)中國的宋朝，“我們認(rèn)為，其使用率將會(huì)繼續(xù)降低。這也是WorldPay吸引我們的原因。” 諾克羅斯說。富達(dá)國民信息在收購Worldpay時(shí)便預(yù)計(jì)數(shù)字交易將會(huì)日漸取代現(xiàn)金交易，只是沒有想到這一切會(huì)發(fā)生的這么快。
如果沒有收購Worldpay，那么受全球經(jīng)濟(jì)衰退影響，富達(dá)國民信息2020年第二季度的營收將整體下降7%，但現(xiàn)在，該公司營收非但沒有下降，反而增長了40%，從21億美元增至近30億美元，富達(dá)國民信息的商戶收入更是從2019年第二季度的9700萬美元直線攀升至2020年第二季度的8.12億美元，而這主要是收購Worldpay商戶業(yè)務(wù)的功勞。
Argus Research的金融服務(wù)研究業(yè)務(wù)主管斯蒂芬?比格告訴《財(cái)富》雜志，此次收購將使該公司的運(yùn)營利潤率從35%左右增長至45%左右。比格說：“數(shù)字支付如此迅猛的增長肯定也出乎了他們的意料，不過疫情的爆發(fā)恰好給數(shù)字支付帶來了發(fā)展風(fēng)口，使其得以一飛沖天?！?/p>
穆迪投資者服務(wù)公司（Moody’s Investors Service）的評(píng)級(jí)與研究高級(jí)分析師彼得?克魯科夫斯基補(bǔ)充說，本次收購還讓富達(dá)國民信息得以進(jìn)一步與金融機(jī)構(gòu)進(jìn)行業(yè)務(wù)整合。
雖說運(yùn)氣有時(shí)比實(shí)力更重要，但富達(dá)國民信息的例子則說明，最好兩者都能夠兼而有之。（財(cái)富中文網(wǎng)）
譯者：梁宇
審校：夏林
Plenty of businesses have seen the pandemic decimate their prospects as entire industries shut down, or customers pare back. But a lucky few have seen the opposite: a strategy that was already underway before the pandemic now looks brilliant because of it.
Such is the case with Fidelity National Information Services (FIS),the Jacksonville-based finch company which is ranked No. 303 on the Fortune 500. For most of its 52-year history, FIS focused on financial products and services.
Early last spring, FIS had decided to branch out, acquiring Worldpay, a company that processes some 40 billion transactions a year, for $43 billion. "By the time the pandemic hit we really had the heavy lifting on the integration [of Worldpay] complete," Gary Norcross, CEO of FIS, recently told Fortune. "We've seen huge growth in our digital channels. We took advantage of a number of things in the market."
With consumers around the world stuck at home, Norcross says, the pandemic moved e-commerce years into the future. Indeed, an IBM analysis finds the pandemic sped up the shift from physical stores to e-commerce by five years. At the same time, consumers are relying more on digital transactions and moving away from paper currency—which dates back to the 11th century when it was introduced by the Song Dynasty in China.
"Worldpay was exciting for us: We felt that the use of paper currency was going to continue to decline," Norcross says. When FIS bought Worldpay it expected digital transactions to eat away at cash usage, but it didn't imagine it would be this fast.
If not for the acquisition of Worldpay, overall FIS's revenue would have dropped 7% in the second quarter of 2020 as a result of the global recession. Instead it rose 40%, from $2.1 billion to nearly $3 billion. The jump primarily came from absorbing Worldpay's merchant business: FIS merchant revenue climbed from $97 million in the second quarter of 2019, to $812 million in the second quarter of 2020.
Stephen Biggar, director of financial services research at Argus Research, told Fortune that the purchase will bolster the company's operating margin from ranging in the mid-30s to mid-40s. "They couldn't have known an enormous surge in digital payments was coming ... but along comes the pandemic and it just shots the digital side through the roof," Biggar says.
Peter Krukovsky, senior analyst of ratings and research at Moody's Investors Service, adds that the acquisition also helped the fintech to integrate itself further with financial institutions.
There's an old saying that it's better to be lucky than good—but as FIS has found, it's even better to be both.
