Fintech Trends & Insights

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

Who Pays When an AI Agent Buys the Wrong Thing? AI Who Pays When an AI Agent Buys the Wrong Thing? By Spero Langaditis Your merchants are preparing for buyers who never see the checkout page. An AI agent selects the product, submits the payment and completes the order while the cardholder is doing something else. The transaction settles normally. The problem surfaces weeks later, in a dispute. The infrastructure for this is still being built and commercial models are still evolving. In March 2026, OpenAI shifted the emphasis of its shopping experience toward product discovery and merchant-owned checkout, say... Read More
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
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