Fintech Trends & Insights

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

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
A mobile coffee cart takes a contactless payment from a customer's phone. In-person Payments Offline Payments: More Than a Backup By Kanan Keeney Offline processing is a capability your merchants need, and it does far more than keep payments moving when connectivity drops. Almost every payment provider frames offline payments the same way: as a backup for when the network goes out or when there's no connection in the field at all. But offline payments don't have to be just a backup. For many merchants, depending on how and what they sell, processing payments offline as part of their everyday operation creates a more consistent checkou... Read More
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