Fintech Trends & Insights

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

A florist takes a contactless card payment on a handheld smart POS terminal in a flower shop Merchant Management One Platform to Serve Them All: The Smart POS for Every In-Person Merchant By Kanan Keeney Merchants are increasingly asking for smart point-of-sale (POS) systems because they enable sales away from the counter and are more flexible, familiar and user-friendly than traditional payments hardware. That’s driving rapid growth in the segment, with research indicating that the market for Android-based smart POS systems could grow by over 400% by 2032 as merchants look for payment devices that can support more apps, more use cases and more ways to sell. But, like traditional terminals, ... Read More
Payments professional reviews merchant data dashboards on dual monitors, with icons for reporting, gateways and connected tools Embedded Payments 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 running a “frankenstack”: a loose collection of tools built out of necessity and held together by API connections, with no real cohesion. A fragmented stack still works. It just introduces friction ... Read More
Two business professionals review underwriting data on a large screen in a modern office Application and Underwriting Speed Is the New Risk Strategy: How Faster Underwriting Wins Better Merchants By Marco Buchmayer Introduction: Why the Speed of Underwriting Now Defines the Merchant Experience We all know instinctively that first impressions matter. In a self-serve world where small businesses sign up for payments without going through a traditional sales channel, your merchant onboarding process is often your first real touchpoint. How quickly and smoothly you get a merchant from signup to accepting payments sets the tone for everything that comes after. So, what differentiates a great signup experie... Read More
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