Tiffany Johnson

Chief Product Officer

Tiffany is Chief Product Officer at NMI, with nearly two decades of experience in payments and fintech. She is an award-winning product leader recognized for delivering transformative solutions that redefine how businesses accept and manage payments. She previously served as SVP of Product for Green Dot and Head of Product for North America at UK-based Railsr (formerly Railsbank), leading new product development including banking, payments, debit and credit as-a-service offerings. She has a passion for financial literacy, inclusion and innovation, and her leadership has been widely recognized across the industry. Tiffany was honored as one of American Banker’s Most Influential Women in Payments (2022) and Most Influential Women in Fintech (2024), named to the ETA Forty Under 40 list, and received the Products That Count CPO Award in 2025. Tiffany, her husband, and their three kids live in Phoenix and love traveling, skiing and exploring the great outdoors.

Articles by Tiffany Johnson:

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 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 conv... Read More

Three colleagues stand at a whiteboard discussing a diagram while a fourth person works at a laptop in the foreground of a bright, modern office.

Micropayments Could Dominate Agentic Commerce. SaaS Needs to Get Ready By Tiffany Johnson If you build and sell software, your buyer is about to change. Soon, you’ll need to be ready to sell to human users and autonomous AI agents acting on someone’s behalf, using a new way to pay: agentic micropayments. These new micropayments aren’t going to replace traditional online payment rails,... Read More

Shopper using a mobile phone to browse products in a retail store, representing digital commerce, tokenized payments, and the future of seamless checkout experiences.

Prediction: Network Tokens Will Take Center Stage While Agentic Commerce Tests the Industry By Tiffany Johnson It’s that time again! As we start the new year, the NMI Executive Leadership team each lay out their vision for where the payments industry is going. Last time, I predicted that 2025 would be dominated by merchant demand for simpler payment solutions. I still think that’s going to be a major tren... Read More

Image of payments company employees discussing how to use AI and build an AI-first product org

Q&A With NMI CPO: Building an AI-First Product Org By Tiffany Johnson Artificial intelligence (AI) isn’t just changing the way we build products — it’s reshaping how product teams themselves operate. From design and development to customer insights and training, AI is finding its way into nearly every corner of the product lifecycle. But what does it really... Read More

2025 payment predictions: frictionless payments are the future

NMI 2025 Predictions: Frictionless Payments Are the Future By Tiffany Johnson Along with four of my colleagues on NMI’s Executive Leadership Team, I recently prepared my 2025 predictions for our report, “From Frictionless to Future-Ready: NMI’s Payment Trends & Predictions for 2025.” This year, I chose to focus on how the lines are blurring in two core areas of paymen... Read More

How do Gen Z and Millennials impact payments?

Exploring the Impact of Gen Z and Millennials on Payments By Tiffany Johnson The payments industry is rapidly evolving, and young consumers are leading the way. Gen Zers and young Millennials are the first generations of digital natives. Millennials saw the evolution of smartphones and personal computers, while Gen Zers were raised with revolutionary tech at their finge... Read More

What Are Embedded Payments? By Tiffany Johnson Embedded payments are reshaping software development. Platforms now can provide payment acceptance to their merchants, seamlessly available in their core offer, without needing to take on the technical, operational and regulatory complexity of traditional payments. Emerging technology makes i... Read More