Fintech Trends & Insights

Blog

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

Image of NMI's halloween poem Payment Platform Payments Don’t Have to Be Scary: How to Build Safer, Smarter Transactions By Peter Galvin For many businesses, managing payments feels unnecessarily complex. Between growing fraud threats, evolving technology and a web of compliance requirements, many payments providers are left wondering how to keep up without sacrificing convenience or security. But the truth is, modern payments don’t have to be scary. By adopting the right tools and strategies, payments providers and software-as-a-service (SaaS) builders can create safer, smarter and more streamlined payment experiences withou... Read More
Image of a man talking on the phone about cybersecurity awareness month and payments Payment Trends Cybersecurity Awareness Month 2025: A Q&A By Peter Galvin Each October, Cybersecurity Awareness Month gives us an opportunity to look at the emerging threats impacting the payments industry and the countermeasures being employed to stop them. This year, I sat down with my team to explore a range of topics, including: The evolution of fraud How AI is changing the security game How new technologies like network tokenization and biometric payments are empowering stakeholders What role technology providers like NMI play in securing the payment... Read More
Image of woman learning about Visa CEDP and what it means for payments providers Payment Trends Everything You Need To Know About Visa CEDP By Lisa Lloyd & Matt Birchler Last updated October 23, 2025. In April 2025, Visa launched two new initiatives: the Visa Commercial Enhanced Data Program (CEDP) and the Visa Acquirer Monitoring Program (VAMP). Each involves important modernizations to legacy programs and includes key changes that both merchants and acquirers need to understand. CEDP is the next evolution of Visa’s Level 2 and Level 3 enhanced data program. It is aimed at improving enhanced data collection for corporate and government transactions. Launch... Read More
Image of woman doing her holiday shopping with modular payment solutions Payment Trends NMI Survey: What Matters to Consumers This Holiday Season? By Peter Galvin The holiday season is almost here — and for many merchants, it’s the most important sales time of the year. While they’re busy prepping promotions, stocking shelves and scheduling seasonal staff, there’s one critical area they can’t afford to overlook: digital payments. Every year, the stakes get higher. Consumers have more choices, younger shoppers hold more spending power, and competition (both online and in-store) is fiercer than ever. The checkout experience plays a major role in whether... Read More
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