Fintech Trends & Insights

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NMI’s perspective on payments industry trends, innovative tech solutions, merchant management and operational best practices. 

A woman explaining how agentic AI is affecting the payments industry and reshaping software development Payment Trends Agentic AI is Reshaping Software Development and Payment Integration By Phillip Goericke Historically, generative AI made a leap roughly once a year. Now, we’re seeing major upgrades every few months — or even weeks. In just the past two quarters, we’ve seen several significant model drops from OpenAI, Google, Anthropic and xAI, and we’re already bracing for OpenAI’s upcoming GPT-5 release. The pace is relentless, with three new models dropping during the course of writing this article (including ChatGPT 5). However, what’s more important than any one release is what it all point... Read More
Image of small business owner at a fashion shop with a modular payment solution and physical payment hardware on her tablet Payment Platform Modularity: The Importance of Payment Solutions That Scale With You By Kate Hampton How do you build a set of payment offerings that are cost-effective, perfectly matched to your target merchants, cutting-edge in a market that never stops evolving, and will scale with your business and capabilities? The answer is modularity. Modular embedded payments are the future of merchant services because they enable independent sales organizations (ISOs) and software-as-a-service (SaaS) platforms to offer more effective, targeted and flexible payment solutions. That represents a sign... Read More
From Local to Global: Why Cross-Border Payments Are the Next Big Opportunity Payment Platform Going Global: 5 Ways To Win With Cross-Border Payments By Peter Galvin A decade ago, selling internationally was the domain of massive retailers. Today, it's just as likely to be your neighborhood boutique, or your newest merchant. Thanks to platforms like Shein, Temu and Shopify, global commerce has gone mainstream. But while the opportunity has exploded, so have the complexities. Exchange rate fluctuations, consumer preferences, fraud threats and a patchwork of regulations can overwhelm even the most ambitious sellers. That’s where payments technology, and yo... Read More
Win More Merchants (and Revenue) With a Unified Merchant Experience Payment Platform Win More Merchants (and Revenue) With a Unified Merchant Experience By Mike Skains Monetizing payments is a way to turn the transactions that flow through your software into a valuable source of revenue. But to get users to become your merchants, you need a frictionless payments experience that offers the same quality as (and even more convenience than) your competitors in the traditional payments space. Unfortunately, it can be challenging to do that when your expertise lies in making great software, not providing payments. Your users want speed and convenience. To meet t... Read More
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