Cleverbridge vs Fiserv

Cleverbridge Completes First Live AI Agent-Initiated Payment in France with Visa and Revolut

Cleverbridge announces completion of first live AI agent-initiated payment in France with Visa and Revolut, along with new research on B2B software buying and a partnership with DigitalRoute for usage-based monetization.

New Cleverbridge Research Reveals Execution Gap as B2B Software Buying Moves Digital

New research: What does it really cost to sell software? Read the benchmark report. Cleverbridge research reveals execution gap as B2B software buying moves digital.

AI Speeds Software Discovery but Self-Service Checkout Lags

B2B software buyers are leveraging AI chatbots to accelerate discovery and shortlisting, yet the post-decision purchase process remains bogged down by slow sales-led journeys, internal approvals, and lengthy vendor negotiations. According to G2's 2026 Buyer Behavior Report, over 80% of buyers used AI for software recommendations, with 80% of AI users purchasing from their initial shortlist. However, Cleverbridge's research reveals that nearly 75% of purchases face significant delays or abandonment due to internal approvals and vendor back-and-forth. While 84% of buyers prefer a self-service digital path, only 17% of sellers have implemented one. Delays stem from waiting for quotes, security reviews, and budget approvals. Buyers express willingness to handle routine transactions, including those over $25,000, through self-service, indicating a clear gap between buyer expectations and seller capabilities.

• Over 80% of B2B software buyers used AI chatbots for software recommendations in the past two years (G2).
• 80% of AI users bought from their initial shortlist in at least three of five purchases, versus 65% of non-AI users (G2).
• Nearly three-quarters of software purchases are delayed or abandoned due to internal approvals or vendor back-and-forth (Cleverbridge).

10-Q Financial Filing Analysis for Fiserv (2026-08-07)

For the second quarter ended June 30, 2026, Fiserv reported total revenue of $5.29 billion, representing a 4% decrease year-over-year from $5.52 billion in Q2 2025. Operating income contracted 40% to $1.02 billion from $1.70 billion, resulting in an operating margin compression of 1,150 basis points to 19.2%. The performance was impacted by lower data and analytics sales, declining high-margin software license revenue, reduced anticipation revenue in Argentina, and increased operating expenses, including personnel investments and $187 million in transformation costs related to the 'One Fiserv' action plan. Net income attributable to Fiserv stood at $627 million, down 39% from $1.03 billion in the prior-year quarter, yielding diluted EPS of $1.17 compared to $1.86. Despite top-line headwinds, the company completed a debt optimization strategy, issuing €1.0 billion in senior notes and retiring $1.3 billion of higher-coupon debt, generating a pre-tax debt extinguishment gain of $154 million. Operating cash flow for the six-month period remained robust at $2.08 billion.

• Total revenue in Q2 2026 fell 4.1% year-over-year to $5.292 billion, driven by an 8% decline in the Financial Solutions segment ($2.355 billion) and a 1% decline in Merchant Solutions ($2.608 billion).
• Operating income fell 40.2% year-over-year to $1.015 billion with margins compressing to 19.2%, impacted by $187 million of One Fiserv transformation costs and higher infrastructure and personnel expenses.
• Fiserv recorded a pre-tax gain on early debt extinguishment of $154 million in Q2 2026 after completing a €1.0 billion debt offering and retiring $1.3 billion of legacy senior notes.

8-K Financial Filing Analysis for Fiserv (2026-09-22)

Fiserv, Inc. reported an executive leadership transition under Item 5.02. On September 16, 2026, Adam L. Rosman tendered his resignation as Chief Administrative Officer and Chief Legal Officer, effective September 30, 2026. To ensure operational continuity, Fiserv appointed Eric C. Nelson, currently serving as General Counsel and Secretary, to succeed Mr. Rosman as Chief Legal Officer effective October 1, 2026. The planned internal succession provides continuity for Fiserv's legal, regulatory, and administrative operations.

• Adam L. Rosman resigned from his roles as Chief Administrative Officer and Chief Legal Officer on September 16, 2026, with an effective departure date of September 30, 2026.
• Eric C. Nelson, the current General Counsel and Secretary of Fiserv, will assume the role of Chief Legal Officer effective October 1, 2026.

Fiserv to Present at Upcoming Investor Conference

Fiserv to Present at Upcoming Investor Conference