Phillip Goericke

Chief Technology Officer

Phillip is the Chief Technology Officer of Engineering at NMI and brings more than 15 years of experience working in software development. He previously served as VP of Product Engineering at Alkami Technology where he scaled up and managed delivery teams of 160 software and quality engineers. Phillip enjoys spending time with his family, traveling and spending time outdoors.

Articles by Phillip Goericke:

A woman explaining how agentic AI is affecting the payments industry and reshaping software development

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 r... Read More

AI Appreciation Day: A Q&A With NMI’s CTO By Phillip Goericke From underwriting and fraud prevention to developer workflows and consumer-facing applications, AI is reshaping how financial services are built, delivered and experienced. With July recognizing the impact of artificial intelligence with AI Appreciation Day, I sat down with the NMI team to unpac... Read More

Why Your Payment Flow Might Be Driving Users Away — and What To Do About It By Phillip Goericke Monetizing payments is a game-changer for software platforms. What used to be a cost center can now drive real revenue, but only if you approach it in the right way. How you design the payment experience matters; the decisions you make can directly affect how users interact with your software — a... Read More

Feature-Rich Platforms Are Winning in Today's Software Market: Here's How By Phillip Goericke The business-to-business (B2B) software space is getting more competitive. While there are more tools available than ever before, companies are increasingly looking to use fewer platforms — they want software that integrates a broad range of functionalities, centralizes tasks and maximizes their ... Read More

NMI offers tap to pay with Mastercard's Cloud Commerce app

Tap Into Tap to Pay and Stand Out With SMB Merchants By Phillip Goericke Offering standout service to modern merchants is all about making payments as easy as possible. Tap to pay payments are designed to do exactly that — allow merchants to accept payments anytime, anywhere, using nothing but the mobile devices they already carry. By using communication and security... Read More

Prediction - DeFi will become mainstream in payments

NMI 2025 Predictions: Decentralized Finance Will Become Mainstream By Phillip Goericke Each year, the NMI Executive Leadership Team gets together to discuss our predictions for trends that we believe will impact the future of payments. In this year’s report, titled “From Frictionless to Future-Ready: NMI’s Payment Trends & Predictions for 2025,” I take a look at what I think is... Read More

Getting started with embedded payments at NMI

Embedded SaaS Payments Part 5: Taking Action and Getting Started By Phillip Goericke You’ve decided that monetizing the payments that flow through your software is the right move, and now it’s time to get started. So, what now? The payments industry is complex and, naturally, most software-as-a-service (SaaS) companies are not experts in its intricacies. Without that expertise, i... Read More

Embedded payments for SaaS - Questions to ask before getting started

Embedded SaaS Payments Part 4: Questions to Consider Before Getting Started By Phillip Goericke Integrating embedded payments into your software-as-a-service (SaaS) platform can add a new revenue stream and greatly enhance the user experience. But, what do you need to consider before diving into the payments game? In part four of this series, we look at some of the key questions you need ... Read More

Embedded SaaS Payments Part 3: Turning Payments Into Revenue By Phillip Goericke Software is a competitive game and developers are always looking to attract more users, keep them around longer and generate more revenue from each one. Many software companies have already discovered a way to achieve these goals and earn additional income — embedded payments. But how exactly d... Read More

Embedded SaaS Payments Part 2: Powering the Future By Phillip Goericke Software and payments are a powerful combination — especially in a world where speed and convenience are priorities. In the past, merchants had to combine solutions from two or even three completely separate providers to sell their products and services. Now, embedded payments are putting the ent... Read More

Embedded SaaS Payments Part 1: Where the Market Is Headed By Phillip Goericke When credit cards were first introduced in the 1950s, the payments industry was relatively static. Major innovations came with the first debit card in 1966 and the birth of online payments in the 90s, but change was slow. How things have changed; the last decade couldn’t have been more different... Read More

Revolutionizing the Industry: Exploring AI in Payments With NMI Tech Leaders By Phillip Goericke In 2024, 65% of organizations reported using Gen AI in at least one business function, nearly double the adoption from 2023, according to a recent McKinsey survey. The use of Gen AI is rapidly expanding, gaining momentum in data-heavy industries like payments, where AI can fight fraud, provide i... Read More

How Embedded Payments Impact User Loyalty and Retention By Phillip Goericke Acquiring new customers is expensive. A recent McKinsey study found that businesses, on average, need three new customers to compensate for losing one. With the growing costs of acquiring new business, the longer you can retain a customer, the more lucrative that relationship will be. That’s espe... Read More