Fintech Trends & Insights

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

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
Two business professionals review underwriting data on a large screen in a modern office Application and Underwriting Speed Is the New Risk Strategy: How Faster Underwriting Wins Better Merchants By Marco Buchmayer Introduction: Why the Speed of Underwriting Now Defines the Merchant Experience We all know instinctively that first impressions matter. In a self-serve world where small businesses sign up for payments without going through a traditional sales channel, your merchant onboarding process is often your first real touchpoint. How quickly and smoothly you get a merchant from signup to accepting payments sets the tone for everything that comes after. So, what differentiates a great signup experie... Read More
A person using a food-ordering app on a tablet while holding a phone, showing embedded payments inside everyday software. Embedded Payments Embedded Payments Are Entering Their Maturity Phase, and Tomorrow’s Winners Will Look Very Different By Peter Galvin Embedded payments used to give software companies a clear competitive edge. Today, they are quickly becoming a baseline expectation. More than half of software companies in North America already offer embedded payments, according to Boston Consulting Group (BCG), and adoption continues to accelerate. But as payment processing inside software platforms becomes more common, simply adding payments is no longer enough to stand out. The real difference now lies in what sits underneath the payment... Read More
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