Fintech Trends & Insights

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

Businesswoman working on a laptop in a bright modern office lounge with plants and floor-to-ceiling windows Payment Platform Split Payouts: Why Residual Revenue Belongs Inside the Transaction By Raquel Sud Growing your portfolio should make revenue easier to manage, not harder. For most independent sales organizations (ISOs), the opposite happens. Every merchant you board carries its own pricing, every agent and referral partner carries its own split, and every value-added solution (VAS) you resell adds another party owed a cut. Grow the portfolio and you don’t just grow revenue. You grow the work of dividing it up. McKinsey found that reconciliation and settlement are still manual processes a... Read More
Conference attendees wearing lanyards talk in small groups over coffee in a bright venue lobby. Embedded Payments What This Year’s Conferences Taught Us About Embedded Payments By Garth Beyer Spend a year at fintech and software conferences and one thing becomes very clear: AI may dominate the stages, but many of the conversations underneath it eventually come back to the same question. How does the software business actually make money? Increasingly, payments are part of the answer. We’ll be continuing that conversation in person at TechCrunch Disrupt 2026, October 13–15 at Moscone West in San Francisco. It’s been a full conference year. Fintech shows, software conferences, more... Read More
Who Pays When an AI Agent Buys the Wrong Thing? AI Who Pays When an AI Agent Buys the Wrong Thing? By Spero Langaditis Your merchants are preparing for buyers who never see the checkout page. An AI agent selects the product, submits the payment and completes the order while the cardholder is doing something else. The transaction settles normally. The problem surfaces weeks later, in a dispute. The infrastructure for this is still being built and commercial models are still evolving. In March 2026, OpenAI shifted the emphasis of its shopping experience toward product discovery and merchant-owned checkout, say... Read More
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