Fintech Trends & Insights

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

A smiling field service technician in a work uniform stands beside his van, using a tablet to invoice a completed job. Marketplace Apps The Cash Flow Problem Hiding in Every Field Service Invoice By Serena Hernandez Your field service merchants finish the job long before they see the money. The technician wraps up the install, packs up the van and drives to the next call. The parts are already paid for. The labor is already committed. But payment for that work is 30 or 60 days out, and that’s if it arrives on time. For HVAC, plumbing, electrical and landscaping businesses, the gap between finishing work and getting paid is more than an inconvenience. It is a constant drag on cash flow. And that gap does... Read More
Three colleagues stand at a whiteboard discussing a diagram while a fourth person works at a laptop in the foreground of a bright, modern office. Payment Trends Micropayments Could Dominate Agentic Commerce. SaaS Needs to Get Ready By Tiffany Johnson If you build and sell software, your buyer is about to change. Soon, you’ll need to be ready to sell to human users and autonomous AI agents acting on someone’s behalf, using a new way to pay: agentic micropayments. These new micropayments aren’t going to replace traditional online payment rails, but they are going to supplement them, as a new generation of highly capable AI models is now making autonomous agentic workflows practical and scalable in a way they never were before. That shift wo... Read More
A merchant reviews an AI fraud detection dashboard on his monitor, showing orders analyzed, high-risk transactions and chargebacks prevented. Fraud Prevention Merchants Know AI Fraud Tools Matter. So Why Aren't They Using Them? By Matt Birchler Payments fraud is an expensive problem, and attacks are increasing and becoming more sophisticated. So surely merchants are adopting the latest artificial intelligence (AI) and machine learning (ML) fraud prevention tools with open arms, right? Not quite. Data from the Merchant Risk Council (MRC) and Visa's 2026 Global eCommerce Payments and Fraud Report shows adoption of AI and ML-powered fraud tools is slipping. For ISOs, software companies and payment providers, that gap represents a real ... Read More
Hands hold a transparent smartphone displaying a glowing dollar-sign icon, with a blurred city skyline and bridge at dusk in the background. Embedded Payments The Future of Finance Is Fintech, Not "Fintechs" By Kate Hampton For years, financial services has been framed as a classic battle between fintechs and established institutions. But is that rivalry still real? More importantly, is it still serving either side? On World Fintech Day, I think it is worth reconsidering whether the term "fintech" still reflects the industry it describes. While reading recent research from Boston Consulting Group (BCG) contrasting growth between fintechs and incumbents, I realized that the way we use the term isn’t really accur... Read More
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