Fintech Trends & Insights

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

Lady sitting in restaurant smiles as she points her phone to a POS device to tap and pay. Payment Trends From Prediction to Reality: A Look Back at Our 2025 Projections By Peter Galvin A year ago, we made our predictions for 2025 in From Frictionless to Future-Ready: 2025 Executive Trends & Predictions. Now, it’s time to take a look back at how some of those predictions panned out. How did we do? Some predictions, like the spread of biometric payments, turned out to be slightly ahead of their time. Others did a good job of describing key industry trends that emerged throughout the year, while a few didn’t quite land where we expected them to.  Let’s dig into some of t... Read More
Merchant is sat near her computer with colleagues and points to a graph on the screen. Merchant Sign Up Accelerate Onboarding with Payments-Centric CRM Modules By Jaron Ruckman Embedded software-as-a-service (SaaS) payments are the future. For your users, they simplify things by using payments integrated directly into the operational software they already depend on. For you, they represent a way to monetize the payments flowing through your software, turning a cost center into a revenue driver and enabling you to deepen relationships and create stickier customers. But embedded payments are not an “if you build it, they will come” scenario. Your users have no shorta... Read More
Shopper using a mobile phone to browse products in a retail store, representing digital commerce, tokenized payments, and the future of seamless checkout experiences. Payment Trends Prediction: Network Tokens Will Take Center Stage While Agentic Commerce Tests the Industry By Tiffany Johnson It’s that time again! As we start the new year, the NMI Executive Leadership team each lay out their vision for where the payments industry is going. Last time, I predicted that 2025 would be dominated by merchant demand for simpler payment solutions. I still think that’s going to be a major trend in 2026, but this year, I want to focus on a couple of new areas:  The emergence of network tokenization as a foundation for future payments The questions agentic commerce will force us to ans... Read More
Small retail merchant organizing products in a boutique store, representing how embedded lending helps merchants access capital through the platforms they use. Payment Platform Answering 12 Common Questions Your Merchants Have About Embedded Lending By Michelle Kosir & Jaron Ruckman In part one of our series on embedded lending, we took a deep dive into how embedded lending works, the problems it solves, the stakeholders involved and the enormous opportunity it presents frontline payment providers. In part two, we’re looking at some of the common questions surrounding embedded lending, including many of the ones merchants are likely to ask when considering whether or not to accept an embedded loan offer. The topics we’ll cover include: General embedded lending quest... Read More
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