Fintech Trends & Insights

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

Image of woman on hear computer learning about cybersecurity awareness month 2025 and payments. Payment Trends Cybersecurity & AI: Threats Payment Companies Need to Watch By Peter Galvin Cybersecurity Awareness Month is here again, and this year, there’s both good news and bad. The good news is that the average cost of a data breach has gone down for the first time in years, largely thanks to AI-powered early detection systems. The bad news is that it’s still $4.44 million. While artificial intelligence is helping mitigate breach costs, it’s also empowering the bad guys, accelerating the never-ending cycle of higher walls and taller ladders. Specifically, generative AI and e... Read More
Image of a man and woman who run an ISO payments company. They're discussing the 5 ways to compete with bigger payment platforms. Payment Platform 5 Ways To Compete With the Biggest Payment Platforms By Abraham Jimenez Payment processing has always been a competitive industry, but the nature of the competition is changing. Today, small providers like independent sales organizations (ISOs) and software as a service (SaaS) providers are no longer each other's biggest rivals. Instead, merchant-facing banks and mega-platforms are gobbling up the market. The bad news is that those huge platforms also have huge budgets and they’re extremely good at serving two main groups: other enormous enterprise companies and... Read More
Image of a man using an automated risk scoring system to underwrite his merchants Application and Underwriting Risk Scoring 101: Simplify Merchant Risk With Automated Underwriting By Darryl Cumming Taking on merchant risk can open the door to higher residuals and greater control over pricing — especially for payment companies like wholesale independent sales organizations (ISOs) and payment facilitators (PayFacs). But with that opportunity comes a critical responsibility: underwriting. Traditionally, manual underwriting has been slow and prone to error. Now, automated systems are redefining the way companies handle this process. By using advanced tools like automated risk scoring, comp... Read More
Image of woman using apple pay using a QR code on her desktop Payment Platform How Apple Pay Does More for Your Merchants in 2025 By Michelle Kosir Think back to the last time you used Apple Pay; maybe it was tapping your phone for a morning coffee, or breezing through the checkout at the movies. With hundreds of millions of people relying on it worldwide, Apple Pay isn’t just a convenience anymore — it has become a daily habit. And in 2025, that habit is changing in big ways. Apple is constantly rolling out improvements to encourage users to keep paying with their iPhones, iPads and Macs. With an estimated 624 million users around the ... Read More
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