Fintech Trends & Insights

Blog

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

A professional woman working at her laptop in a modern office, representing the payments industry's shift toward more realistic AI expectations and the rise of seamless, software-led merchant onboarding. Payment Trends Prediction: 2026 Will See AI Cool Off and SaaS Payments Heat Up By Phillip Goericke In 2026, I expect we’ll see big shifts in a couple key areas: how the industry is thinking about AI as a “right now” technology, and how merchants are choosing where to go for payments. On the AI front, I think reality is starting to set in. AI has dominated the payments conversation for the past few years, showing up in nearly every roadmap and press release. The large language models (LLMs) powering tools like ChatGPT have been soaking up billions in venture capital, with the promise of wo... Read More
Business professional using a tablet with embedded finance icons overlaid, representing how SaaS platforms deliver payments, lending, insurance and AI-driven financial services directly in-platform. Embedded Payments Rise of the Fintech-SaaS Hybrid: How Embedded Finance Is Changing B2B SaaS By Phillip Goericke Business owners are constantly looking for faster, frictionless digital experiences. Embedded finance — the integration of financial products into non-financial platforms — is capitalizing on that demand and changing the face of business software in the process. Traditionally, businesses got their operational software from a software-as-a-service (SaaS) vendor and accessed payments and financial services through financial technology (fintech) companies and banks. But today, the lines are bei... Read More
Man using in-car touchscreen interface while talking on the phone, illustrating NMI's prediction of the rise of connected vehicle technology and invisible payments in 2026. Payment Trends Prediction: 2026 Will Be the Year of Invisible Payments By Peter Galvin At NMI, we’ve talked often about how the best payment is an invisible one — the one you never even realize is happening. Until now, that idea has mostly applied to traditional shopping channels like online, in-store and mobile. But I truly believe that invisible payments are about to enter a new phase and become a foundational layer across a much broader range of consumer technologies. Three key forces are aligning to make that possible: The widespread availability of embeddable payments... Read More
A bakery employee hands a boxed cake to a smiling customer, representing positive in-store shopping experiences. NMI article highlights retail, gifting and payment themes. Business Intelligence 2025 Holiday Shopping: Small Merchants vs. Big Platforms By Melissa Peirano The leftover Halloween candy is on sale and Christmas decorations are on every aisle, which can mean only one thing: The holiday shopping season is here again. Like every year, major sales days like Black Friday and Cyber Monday will be make-or-break events for massive retailers and small local businesses alike. But, this year, small merchants may have one factor in their favor: the increasing demand among young consumers for high-quality, in-person shopping experiences. Are younger consumer... Read More
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