Fiserv is one of the largest providers of information management products and services for banks, credit unions and lending institutions in the world. The company has more than 16,000 in the United States, the Caribbean, Canada, as well as Europe, Latin America and Asia-Pacific. Established in 1984, Fiserv serves the communications healthcare, utilities and retail industries. The company provides card production, logistics, credit, debit, and electronic billing and payment solutions. Fiserv offers online banking, financial management, item processing and remittance services. The company additionally provides customer and channel management, business intelligence and optimization services. It offers marketing, portfolio management and trade processing services.