Fintech Trends & Insights

Blog

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

Professional at an office desk reviewing an AI assistant dashboard on a monitor, representing agentic commerce Fraud Prevention Know Your Agent: Payment Security When the Buyer Isn’t Human By Phillip Goericke The next wave of legitimate online shoppers won’t always look human. Some won’t type, move a mouse or even visit a traditional checkout page. They’ll be AI agents acting on behalf of customers. For payment providers, that creates an entirely new security challenge. The automated behavior we’ve spent years learning to detect and block could soon represent genuine customers and valuable transactions. Get it wrong, and merchants could lose legitimate sales. Relax the rules too far, and fraudste... Read More
Two professionals wearing conference badges talk on a busy trade show floor, one gesturing as she speaks while the other listens holding a coffee. Embedded Payments Why ISOs Lose Software Deals in the First Call By Lindsay Cole You have built the opportunity list. You have made the calls. You may have walked a trade show floor and come home with a stack of business cards from software founders. You get the meetings, but then they stall.  For independent sales organizations (ISOs), software companies can be one of the most valuable routes to growth. Win the right software relationship and you are not just signing one merchant. You can become part of the platform that serves hundreds or thousands of businesses, creat... Read More
Your Customers Already Use HSA and FSA Cards. Is Your Platform Ready? Embedded Payments Your Customers Already Use HSA and FSA Cards. Is Your Platform Ready? By Kathy Kmiotek More of your customers' patients are paying with health savings account (HSA) and flexible spending account (FSA) cards. For flexible spending accounts, the card is now the default: 91% of surveyed FSA users have one, and 75% prefer using the card to access their funds. If your platform serves wellness or healthcare-adjacent businesses, those payments are already part of your customers' world. But accepting them isn’t always as simple as accepting a standard debit card. Eligible transactions ... Read More
Smiling restaurant owner in a denim apron holds a tablet behind the counter of her café, a card terminal beside her. Payment Trends Why the Small-Business Capital Gap Is About More Than Access By Jaron Ruckman Your merchants are running out of runway. Between higher costs, tighter margins and unpredictable cash flow, small businesses need capital to keep moving, and most cannot get it fast enough. In the Federal Reserve's 2025 Small Business Credit Survey, about a third of small firms that applied for financing still faced a funding gap, and 45% applied for financing in the past year, the highest share since 2021. Demand keeps rising even as access fails to keep up. That gap is not only a merchant... Read More
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