Fintech Trends & Insights

Blog

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

Two software developers collaborate at a desk reviewing code across multiple monitors in a modern open-plan office. Embedded Payments Modular, Not Monolithic: Why Scaling Platforms Need Flexible Payments Architecture By Michelle Kosir Scaling a payments stack is one of the most defining technical decisions you’ll make for your software platform. Get it right, and your infrastructure grows with your business. Get it wrong, and you’re looking at months of payment re-platforming, lost revenue and frustrated users. For many platforms, the initial instinct is to reach for an all-in-one payments solution –  one single, bundled system that handles everything from onboarding to processing to reporting. These  monolithic systems o... Read More
Two professionals reviewing data on a computer screen, representing automated underwriting and compliance processes in payments. Business Intelligence Automation Is the New Compliance Advantage By Marco Buchmayer In payments, compliance has traditionally been treated as a safeguard. A necessary layer of checks to manage risk, satisfy regulators and protect against fraud. But that view is starting to shift. For wholesale ISOs and PayFacs in particular, compliance is no longer just about risk mitigation, it’s becoming a defining factor in how quickly a business can grow, how efficiently it can operate and how competitive it is in the market. At the centre of that shift is underwriting, the process of a... Read More
Two office workers smile at a computer in a modern setting Embedded Payments Scaling Up? 5 Ways SaaS Platforms Can Minimize Disruption When Switching Payment Partners By Luis Peña At some point, most SaaS platforms outgrow their payments setup. What worked early on, when volumes were lower and requirements were simpler, can start to create friction as the business scales. New markets, more complex user needs and higher expectations around reliability all tend to expose the limits of a payments partner that once felt like a good fit. Switching providers is often the right move. But it’s rarely straightforward. Payments sit at the center of your product experience, so e... Read More
Person uses phone to make a recurring payment Embedded Payments Better SaaS Payments with Recurring Apple Pay and Google Pay Subscriptions By Lisa Lloyd Recurring payments are woven into our everyday life. Streaming platforms renew in the background. Fitness apps bill each month. Cloud software keeps teams running. Utility providers, meal kits, accounting platforms, parking apps, even gaming subscriptions all rely on recurring billing that works without interruption. When everything runs smoothly, nobody thinks about the payment at all. And that’s exactly the point. For businesses built on subscriptions, payment performance is not just a bac... Read More
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