Fintech Trends & Insights

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

Two professionals wearing conference badges talk on a busy trade show floor, one gesturing as she speaks while the other listens holding a coffee. Embedded Payments Why ISOs Lose Software Deals in the First Call By Lindsay Cole You have built the opportunity list. You have made the calls. You may have walked a trade show floor and come home with a stack of business cards from software founders. You get the meetings, but then they stall.  For independent sales organizations (ISOs), software companies can be one of the most valuable routes to growth. Win the right software relationship and you are not just signing one merchant. You can become part of the platform that serves hundreds or thousands of businesses, creat... Read More
Your Customers Already Use HSA and FSA Cards. Is Your Platform Ready? Embedded Payments Your Customers Already Use HSA and FSA Cards. Is Your Platform Ready? By Kathy Kmiotek More of your customers' patients are paying with health savings account (HSA) and flexible spending account (FSA) cards. For flexible spending accounts, the card is now the default: 91% of surveyed FSA users have one, and 75% prefer using the card to access their funds. If your platform serves wellness or healthcare-adjacent businesses, those payments are already part of your customers' world. But accepting them isn’t always as simple as accepting a standard debit card. Eligible transactions ... Read More
Smiling restaurant owner in a denim apron holds a tablet behind the counter of her café, a card terminal beside her. Payment Trends Why the Small-Business Capital Gap Is About More Than Access By Jaron Ruckman Your merchants are running out of runway. Between higher costs, tighter margins and unpredictable cash flow, small businesses need capital to keep moving, and most cannot get it fast enough. In the Federal Reserve's 2025 Small Business Credit Survey, about a third of small firms that applied for financing still faced a funding gap, and 45% applied for financing in the past year, the highest share since 2021. Demand keeps rising even as access fails to keep up. That gap is not only a merchant... Read More
Businesswoman working on a laptop in a bright modern office lounge with plants and floor-to-ceiling windows Payment Platform Split Payouts: Why Residual Revenue Belongs Inside the Transaction By Raquel Sud Growing your portfolio should make revenue easier to manage, not harder. For most independent sales organizations (ISOs), the opposite happens. Every merchant you board carries its own pricing, every agent and referral partner carries its own split, and every value-added solution (VAS) you resell adds another party owed a cut. Grow the portfolio and you don’t just grow revenue. You grow the work of dividing it up. McKinsey found that reconciliation and settlement are still manual processes a... Read More
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