The rationale for favoring FiSV is as follows: Firstly, this company has historically held a monopoly in the financial industry. Almost all banks use FiSV for their back-end core systems. Banks generally don't have particularly advanced development technologies and have little incentive to switch, which is a key advantage. Secondly, merchants use FiSV for their Clover and POS systems, meaning FiSV holds a monopoly on the consumer side. Think of it as an overseas version of Meituan. Why the sharp drop? Because the previous leadership team (whose CEO also came from a finance background and had a prominent reputation) relentlessly exploited and squeezed employees to improve financial reports. They even installed software to constantly monitor employees, and failure to meet certain criteria resulted in immediate layoffs. To avoid being laid off, some employees even took their laptops to the bathroom. There were also numerous other issues, such as the executives' private jet scandal. The new leadership team is very strong, beyond imagination, and includes former Stirpe executives, making them generally more reliable.