Fintech Trends & Insights

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

Changes to pci dss v4 Security + Compliance 2 Big Changes in PCI DSS 4.0 and What They Mean for You By Vicky Duehr Payment Card Industry Data Security Standard (PCI DSS) 4.0 is the most comprehensive update to the card industry’s security standards in years. Consequently, it has left a lot of businesses scrambling to understand and implement the necessary changes to how they secure sensitive card data — including payment companies like independent sales organizations (ISOs), payment facilitators (PayFacs) and software platforms offering payment processing. Version 4.0 was released in March 2022, but has ... Read More
How is AI impacting payments in 2025? How AI Is Transforming Payments in 2025 By Vijay Sondhi AI is evolving at an unbelievable pace. Just look at what happened in January — DeepSeek R1 dropped, and suddenly, we had a large language model (LLM) that runs on a smartphone and can compete with OpenAI’s models at a fraction of the cost. It’s also open-source.  There’s still some debate about the numbers, but one thing is clear: AI is pushing boundaries faster than anyone expected. That’s not just good news for researchers, but it’s also a game-changer for AI in payments. In the next yea... Read More
should you build or buy payment services? Payment Platform Build vs. Buy: Putting Together a Modern Payments Tech Stack By Kate Hampton Selling modern payments is becoming more complex, and often involves a heavy investment in software. Whether you’re an independent sales organization (ISO) or a software platform, you’ll need the following to properly serve your merchants: Payment gateways Signup and onboarding systems Customer relationship management (CRM) systems Value-added offerings like fraud detection tools, advanced encryption systems, mobile integrations and more At some point in your journey, you’ll prob... Read More
NMI's approach to network tokens NMI’s Approach to Network Tokenization: Faster, Streamlined Payments for Everyone By Tobias Ostwald Collecting payments isn’t without its challenges — especially when fraud and cybersecurity come into play. Declined transactions, outdated card information and fraud prevention regulations can all create unnecessary friction and disrupt cash flow. Unfortunately, these issues don’t just affect payment professionals; they can also impact merchants and end customers, resulting in a less than ideal payment experience. One way to avoid these challenges is by adopting network tokenization. Network... Read More
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