The small business owner ready to meet another busy day. The young home buyer on the way to her first real estate closing. Roommates splitting the monthly expenses. The banker wiring funds for a client's business expansion. Life moves fast. And a new year, a new decade, has begun. As 2020 gets underway, we know most people aren't thinking about "financial services." But we are. We help people and businesses move money and information every minute of every day. Our solutions connect financial institutions, corporations, merchants and consumers to one another, millions of times a day, behind the scenes, reliably and securely. We're Fiserv, a global leader in Fintech and payments enabling innovative financial services experiences that are in step with the way people live and work today. We proudly serve clients in more than 100 countries, so their customers, members and consumers can move money when and where they need it, at the point of thought.