Fintech Trends & Insights

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

A mobile coffee cart takes a contactless payment from a customer's phone. In-person Payments Offline Payments: More Than a Backup By Kanan Keeney Offline processing is a capability your merchants need, and it does far more than keep payments moving when connectivity drops. Almost every payment provider frames offline payments the same way: as a backup for when the network goes out or when there's no connection in the field at all. But offline payments don't have to be just a backup. For many merchants, depending on how and what they sell, processing payments offline as part of their everyday operation creates a more consistent checkou... Read More
A shop owner checks payment and deposit reporting on a tablet behind her counter Embedded Payments Why Payment Reporting Belongs Inside Your Software Platform By Luis Peña Your customer runs a transaction on Tuesday. On Thursday, they want to know whether the payment cleared and when the money lands in their account. Where do they go? Send them to a separate portal with its own login and its own interface, and you have taught them who actually holds the answers. It is not you. That gap between accepting a payment and explaining it is the next real opportunity in embedded payment reporting, and most platforms have not closed it. When Did Embedded Payments Sto... Read More
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
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