In the final three months of the year, Fiserv’s revenue growth continued to be underpinned by its merchant and financial solutions segments — and an embrace by enterprises of Clover, its POS hardware and software flagship offering. Commerce Hub, the company’s payments acceptance platform, has seen significant growth. Adjusted consolidated revenues were 7% higher to $4.9 billion in the quarter. On a segment-by-segment basis, Merchant Solutions sales were $2.5 billion, where Clover sales were 29% higher, and represented $310 billion in annualized GPV, and the small business line of operations saw 12% growth year over year. The Financial Solutions unit logged sales of $2.4 billion on an adjusted basis. Digital payments adjusted revenues of $975 million were 5% higher than the year-ago period. CFO Bob Hau said Clover’s growth was underpinned by value-added solutions, including the Clover SaaS package. The Commerce Hub offering, which includes a payments gateway, has continued what Hau termed “positive momentum,” sporting 250 clients and transactions increasing 10x since the first quarter of 2024. The CFO stated that, on average after the first year, Commerce Hub clients use four BaaS products or 60% more than non-Commerce Hub merchants. Bisignano noted that demand from financial institutions (FIs) to offer CashFlow Central, Fiserv’s small business payments solution, “remains high … The products and clients for this SMB suite span our merchant and financial solutions ecosystems.” The small and medium-sized business (SMB) suite, he said, will be integrated in the current quarter with XD, the company’s digital banking platform.