Fintech Trends & Insights

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

A shopper reviews an AI agent's price-drop alert on his phone, showing discounted shoes with the option to review and buy or dismiss AI AI Is Changing Where Shopping Starts. Consumers Still Want to Control Where It Ends. By Tiffany Johnson It’s difficult to talk about commerce right now without talking about AI agents. The vision is compelling: tell an AI what you need, give it a budget and let it do the rest. It searches, compares, chooses and pays. What once took multiple searches, browser tabs and checkout screens becomes a conversation. There’s plenty of evidence that the way we shop is already changing. In July 2026, Salesforce reported that consumers using AI assistants as the first step in the shopping journey grew 200%... Read More
A barista in an apron holds out an Android smart POS device for a customer to tap her card at an outdoor coffee stand. In-person Payments Why Android Smart POS Devices Make So Much Sense for B2B SaaS Companies By Kanan Keeney If your software serves users selling in the field or taking payments at a checkout counter or front desk, then you need to offer a variety of hardware solutions so their customers can pay in person with physical cards. But the right payment hardware should do more than accept a card. It should fit naturally into the workflow your software already supports. Think about a field service technician collecting payment on a customer's doorstep as soon as a job is complete. A restaurant server tak... Read More
A smiling field service technician in a work uniform stands beside his van, using a tablet to invoice a completed job. Marketplace Apps The Cash Flow Problem Hiding in Every Field Service Invoice By Serena Hernandez Your field service merchants finish the job long before they see the money. The technician wraps up the install, packs up the van and drives to the next call. The parts are already paid for. The labor is already committed. But payment for that work is 30 or 60 days out, and that’s if it arrives on time. For HVAC, plumbing, electrical and landscaping businesses, the gap between finishing work and getting paid is more than an inconvenience. It is a constant drag on cash flow. And that gap does... Read More
Three colleagues stand at a whiteboard discussing a diagram while a fourth person works at a laptop in the foreground of a bright, modern office. Payment Trends Micropayments Could Dominate Agentic Commerce. SaaS Needs to Get Ready By Tiffany Johnson If you build and sell software, your buyer is about to change. Soon, you’ll need to be ready to sell to human users and autonomous AI agents acting on someone’s behalf, using a new way to pay: agentic micropayments. These new micropayments aren’t going to replace traditional online payment rails, but they are going to supplement them, as a new generation of highly capable AI models is now making autonomous agentic workflows practical and scalable in a way they never were before. That shift wo... Read More
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