Fintech Trends & Insights

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

Two colleagues review a payment-monitoring dashboard showing a flagged, declined card transaction on a world map. Fraud Prevention Why Centralized Fraud Prevention Is an Opportunity for Payment Providers By Kate Hampton For payment providers, fraud prevention is becoming more than a way to protect merchants. It's an opportunity to make your services more valuable, build stronger relationships and give merchants one less thing to worry about. The fraud threat landscape gets more complex every year. Artificial intelligence (AI) has made it cheap and easy for fraudsters to increase the speed and scale of their attacks. Fraud-as-a-service now gives almost anyone with dark web access ready-made tools to commit f... Read More
Woman watching a live webinar on a desktop monitor as a presenter speaks, in a bright office with plants Merchant Central What Your Merchant Statement Analysis Might Be Missing By Adrian Talapan A prospect sends you their merchant processing statement. They want to know if you can offer better rates, and they're probably talking to other providers. The faster you can deliver a compelling proposal, the better your chances of winning their business. But speed alone isn’t enough. Merchant statement analysis involves more than identifying rates and calculating potential savings. Hidden interchange markups, missed optimization opportunities and unexpected fees can all affect your proposa... Read More
From Checkout to Card-on-File Payments: How Wallet Data Can Reduce Failed Payments Online Payments From Checkout to Card-on-File Payments: How Wallet Data Can Reduce Failed Payments By Michelle Kosir Your merchants work hard to win a subscriber. Losing that subscriber to a declined card, rather than a canceled plan, is one of the most frustrating ways to leak revenue. These failed payments rarely reflect a customer who wants to leave. More often, an expired card, a stale credential or a routine bank decline quietly ends a relationship both sides wanted to keep. For the platforms that power recurring billing, this is not a rounding error. It is a direct hit to merchant revenue and retenti... Read More
A customer taps a card on a handheld payment terminal held by a smiling vendor at a lemonade stand in a sunny park, with another drink stand behind them. Payment Platform Flat Rate vs. Interchange Plus: Which Pricing Model Is Right for Your Platform By Garth Beyer Picture two refreshment stands across from each other in a busy park. One sign reads "Frank's Flat Rate Refreshments." The other reads "Izzy's Interchange Cafe." Same drinks, same customers, two different ways of arriving at a price. That's the simplest way to understand the two most common approaches to payment pricing: Flat Rate and Interchange Plus. If you're embedding payments into your software, you have to choose one or decide whether offering both makes sense. The right answer depends... Read More
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