Michelle Kosir

Director of Product Marketing

Michelle Bollman Kosir is Head of Product Marketing at NMI, bringing over 15 years of expertise in payments, fintech and B2B SaaS. She specializes in market research, product positioning and go-to-market strategy, ensuring NMI’s solutions resonate with businesses and drive growth. With a track record of launching 120+ products, Michelle thrives on aligning teams, crafting compelling messaging and simplifying complex payment concepts.

Passionate about innovation and collaboration, she helps businesses navigate the evolving fintech landscape. When she’s not shaping product strategy, you’ll find her traveling, exploring new cuisines, or engaging in thought-provoking conversations. Stay tuned for insights on payments, embedded finance and strategies for business success.

Articles by Michelle Kosir:

From Checkout to Card-on-File Payments: How Wallet Data Can Reduce Failed Payments By Michelle Kosir Your merchants work hard to win a subscriber. Losing that subscriber to a declined card, rather than a canceled plan, is one of the most frustrating ways to leak revenue. These failed payments rarely reflect a customer who wants to leave. More often, an expired card, a stale credential or a routi... Read More

Payments professional reviews merchant data dashboards on dual monitors, with icons for reporting, gateways and connected tools

One Dashboard or Five? The Hidden Costs of Fragmented Merchant Tools By Michelle Kosir If you run a software or vertical SaaS platform that is adding payments, you have probably watched your stack grow piece by piece. First you bolt on a gateway. Then you decide to monetize payments, so you connect onboarding systems. Next you layer on reporting and fraud tools. Before long you are... Read More

Two software developers collaborate at a desk reviewing code across multiple monitors in a modern open-plan office.

Modular, Not Monolithic: Why Scaling Platforms Need Flexible Payments Architecture By Michelle Kosir Scaling a payments stack is one of the most defining technical decisions you’ll make for your software platform. Get it right, and your infrastructure grows with your business. Get it wrong, and you’re looking at months of payment re-platforming, lost revenue and frustrated users. For many platf... Read More

Improving Small Business Access to Capital With Embedded Lending By Michelle Kosir Your small merchants are facing uncertain times. Between inflation, tariffs, supply chain disruptions and labor shortages, it’s no surprise that the Small Business Optimism Index recently recorded one of its lowest readings in more than 50 years. On top of these pressures, many small merchants ar... Read More

Small retail merchant organizing products in a boutique store, representing how embedded lending helps merchants access capital through the platforms they use.

Answering 12 Common Questions Your Merchants Have About Embedded Lending By Michelle Kosir In part one of our series on embedded lending, we took a deep dive into how embedded lending works, the problems it solves, the stakeholders involved and the enormous opportunity it presents frontline payment providers. In part two, we’re looking at some of the common questions surrounding embedd... Read More

Small business owner using a tablet to explore embedded lending options integrated into SaaS platforms, representing faster access to working capital.

Embedded Lending 101: How It Helps SMBs Access Working Capital By Michelle Kosir When your merchants are juggling supplier bills, payroll and plans to grow their business, even one late invoice can throw their cash flow off balance. That can lead to strained supplier relationships, missed opportunities and slower growth. In fact, 75% of small to medium-sized businesses (SMBs... Read More

Embedded Lending Explained: Faster, Easier Capital for SMBs By Michelle Kosir Embedded lending is changing the way small businesses access working capital by making it faster, easier and cheaper to apply for loans. It’s also creating new opportunities for frontline payments companies like software-as-a-service (SaaS) platforms and independent sales organizations (ISOs) to ... Read More

White Labeling SaaS Payments: Reinforcing Your Brand and Establishing Deeper Value By Michelle Kosir Your brand matters. You put a lot of thought and money into designing and establishing it, and you spend good money promoting it. So, why would you give away brand exposure for nothing? In the embedded payments world, it’s common for software companies to forfeit payments-side branding to their ... Read More

Image of woman using apple pay using a QR code on her desktop

How Apple Pay Does More for Your Merchants in 2025 By Michelle Kosir Think back to the last time you used Apple Pay; maybe it was tapping your phone for a morning coffee, or breezing through the checkout at the movies. With hundreds of millions of people relying on it worldwide, Apple Pay isn’t just a convenience anymore — it has become a daily habit. And in 2025,... Read More

The Benefits of Getting MIDs Directly From Your Payments Technology Partner

The Benefits of Getting MIDs From Your Payments Technology Partner By Michelle Kosir Every business accepting direct credit card payments has a merchant account and an associated merchant identification number (MID) — a 15-digit code that identifies them to their acquirer. Traditionally, a business would receive its merchant account and MID (or MIDs) from a payment service provi... Read More

buy vs build: choosing the best payment crm for your business

Build vs. Buy: Choosing the Best Payments CRM For Your Business By Michelle Kosir Should you build or buy a customer relationship management (CRM) platform for your payments business? That’s a question you'll likely run into at some point during your company’s growth, especially as the limits of generic CRM systems become more apparent. Unfortunately, there’s no simple answe... Read More

NMI Kount integration stops payments fraud in its tracks

NMI Integration Stops Payments Fraud in Its Tracks By Michelle Kosir Fraud is a huge problem across the payments industry. Merchant losses from fraud hit $38 billion in 2023 and are set to hit $91 billion by 2028. But, with attacks growing more complex, sophisticated and organized each year, very few merchants can stop bad actors on their own. To help you keep yo... Read More

NMI Bill Connect enhances invoicing and accounting for SMBs

Bill Connect: Cheaper, Better Invoice Payments By Michelle Kosir Proper invoicing can make or break a business, especially in verticals like professional services, medical services, B2B sales and others who rely on invoicing for the bulk of their payments. That’s why seamless, digital invoicing solutions that minimize errors, speed up processing and seamlessl... Read More