Fintech Trends & Insights

Blog

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

BNPL & FICO Scores Payment Trends BNPL Will Soon Impact FICO Scores — What Will It Mean? By Kate Hampton In February 2025, FICO announced the development of a new system that incorporates buy now, pay later (BNPL) data into consumers’ credit scores. This system, which the company is preparing to roll out, marks the first big step into standardizing BNPL reporting — and closing the gap in how buyers view buy now, pay later in comparison to other credit products. The  question now is how will the change in reporting impact consumers and how will they adapt, if at all? BNPL Has Seen Significant Gr... Read More
Grow your ISO merchant portfolio with data Business Intelligence Growing Your Merchant Portfolio Through Analytics and Data By Barbora Spáčilová Payments is an ultra-competitive space, and anything that can give you an edge is worth pursuing. It’s also a data-rich space, with enormous amounts of information being generated by your merchants’ daily activities. That data is a strategic advantage — if you can capture and use it better than your competitors.  Better analytics and insights give you a deeper understanding of your merchants and their processing behavior. With that understanding you can identify new opportunities to serve th... Read More
Top 8 questions about network tokens The Top 8 Questions About Network Tokens By Peter Galvin Payments fraud is an ongoing challenge. In 2023, fraud losses topped $10 billion — a 14% jump from the year before. As more transactions happen online, it’s crucial to keep your merchants and their customers safe from bad actors. To combat fraud while improving transaction efficiency, and in some cases reduce interchange costs, the major card brands, like Visa and Mastercard, have introduced network tokenization — a way to store sensitive payment data more securely. But what is network toke... Read More
buy vs build: choosing the best payment crm for your business Build vs. Buy: Choosing the Best Payments CRM For Your Business By Michelle Kosir Should you build or buy a customer relationship management (CRM) platform for your payments business? That’s a question you'll likely run into at some point during your company’s growth, especially as the limits of generic CRM systems become more apparent.  Unfortunately, there’s no simple answer. Building allows you to custom design a solution ideally suited to your individual needs. Buying is simple and easy. To determine the best path for your business, you’ll need to analyze and balance ... Read More
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