Fintech Trends & Insights

Blog

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

B2B merchant in a warehouse using a tablet to manage payments and transactions, representing faster funding and improved visibility with commercial card acceptance. Payment Platform More B2B Merchants Should Accept Credit Card Payments — Level 3 Processing Makes It Easier By Melissa Peirano “Credit card fees are too expensive for business transactions.” That’s a commonly held view among business-to-business (B2B) suppliers, and it results in far lower card acceptance in the B2B world than in the business-to-consumer (B2C) world. Worse still, it’s driving a disconnect between suppliers, who want to minimize fees, and their customers, who want the convenience of card payments and the extra benefits they offer, like rewards programs Thanks to Level 2 and Level 3 processing, thoug... Read More
Smiling software developer wearing headphones and glasses, seated at a desk with multiple computer monitors displaying code in a modern workspace. Payment Trends Prediction: AI Copilots Will Become Critical Merchant Tools, But Not A Major Differentiator By Kate Hampton For the past year, our engineering team at NMI has been using AI copilots to speed up development and make room for solving bigger challenges. And we’re not the only ones — across the payments space, internal teams everywhere are adopting AI tools to streamline their workflows. But until now, most of that innovation has stayed behind the scenes. That’s about to change. I believe this will be the year AI copilots start to move towards more mainstream use — becoming a standard, merchant-facin... Read More
Customer using tap to pay at a mobile checkout station, demonstrating how mobile payments and queue-busting technology speed up in-store holiday shopping. Payment Trends Holiday Queue Busting: Shortening Checkout Lines with Mobile Tap to Pay By Peter Galvin The holiday season is here again, and consumers will soon be hitting department stores, malls and local businesses in droves. Like every year, the one thing everyone dreads is crowded aisles and long checkout lines. Lines that wrap around the corner and seem like they’ll never end are a reality every shopper knows to expect — a kind of nightmarish holiday tradition.  But what if they didn’t have to be? Thanks to the widespread adoption of contactless payments and mobile payment technologies... Read More
Small business owner using a tablet to explore embedded lending options integrated into SaaS platforms, representing faster access to working capital. Embedded Payments Embedded Lending Explained: Faster, Easier Capital for SMBs By Peter Galvin & Michelle Kosir Embedded lending is changing the way small businesses access working capital by making it faster, easier and cheaper to apply for loans. It’s also creating new opportunities for frontline payments companies like software-as-a-service (SaaS) platforms and independent sales organizations (ISOs) to provide a high-value service while opening up a new, low-to-no-risk source of revenue. By integrating third-party embedded lending services into your offerings, you gain the ability to provide your c... Read More
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