Fintech Trends & Insights

Blog

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

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
A florist takes a contactless card payment on a handheld smart POS terminal in a flower shop Merchant Management One Platform to Serve Them All: The Smart POS for Every In-Person Merchant By Kanan Keeney Merchants are increasingly asking for smart point-of-sale (POS) systems because they enable sales away from the counter and are more flexible, familiar and user-friendly than traditional payments hardware. That’s driving rapid growth in the segment, with research indicating that the market for Android-based smart POS systems could grow by over 400% by 2032 as merchants look for payment devices that can support more apps, more use cases and more ways to sell. But, like traditional terminals, ... Read More
Payments professional reviews merchant data dashboards on dual monitors, with icons for reporting, gateways and connected tools Embedded Payments One Dashboard or Five? The Hidden Costs of Fragmented Merchant Tools By Michelle Kosir If you run a software or vertical SaaS platform that is adding payments, you have probably watched your stack grow piece by piece. First you bolt on a gateway. Then you decide to monetize payments, so you connect onboarding systems. Next you layer on reporting and fraud tools. Before long you are running a “frankenstack”: a loose collection of tools built out of necessity and held together by API connections, with no real cohesion. A fragmented stack still works. It just introduces friction ... Read More
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