Fintech Trends & Insights

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

Two business professionals reviewing information on a tablet in an office setting, surrounded by legal and financial icons, representing Visa VAMP fraud and compliance guidance Fraud Prevention VAMP: What You Need To Know About Visa’s Acquirer Monitoring Program By Lisa Lloyd & Matt Birchler In April 2025, Visa launched two important new programs: the Visa Commercial Enhanced Data Program (CEDP) and the Visa Acquirer Monitoring Program (VAMP). While CEDP only impacts merchants who use Level 2 and Level 3 transaction data, VAMP is critically important to all of your merchants because it centers around fraud and dispute monitoring, the redefining of acceptable rates and the penalties for exceeding them. In this article, we’ll break down everything you need to know about VAMP, incl... Read More
Person designing a logo and brand elements on a computer, representing white-labeling opportunities for SaaS payment platforms. Embedded Payments White Labeling SaaS Payments: Reinforcing Your Brand and Establishing Deeper Value By Michelle Kosir Your brand matters. You put a lot of thought and money into designing and establishing it, and you spend good money promoting it. So, why would you give away brand exposure for nothing? In the embedded payments world, it’s common for software companies to forfeit payments-side branding to their technology partners; they assume that’s just the way things work. But with white-labeling, the brand impressions generated from merchant services and checkout could be yours. The benefits of that exp... Read More
Smiling woman using her smartphone to review a digital receipt in her kitchen, symbolizing smart spending, savings, and modern payment flexibility—representing modular payments in a cost-conscious market. Payment Platform The Case for Modular Payments in a Cost-Conscious Market By Kate Hampton Merchants want frictionless, convenient, all-in-one payments. But, how much are they willing to pay for them?  In a tough economic climate, more merchants are tightening their belts to keep afloat, and many are rethinking whether the value of some “nice-to-have” payments features is actually worth the additional cost. As a payments company, that leaves you in a tricky spot. For years, the shift has been toward offering merchants the most products possible to enable one-stop service — think ... Read More
Person using a smartphone to shop online for a denim jacket, illustrating the concept of AI-powered agentic commerce and autonomous digital payments. Payment Trends Human-Not-Present: Agentic Commerce, Network Tokens and Payments By Peter Galvin Have you ever wished that someone else could handle your shopping for you? In early September, Visa and Mastercard took a step toward making that a reality. Both companies announced new sets of tools aimed at improving integration with AI-powered payments systems and, specifically, AI agents. This comes after both companies announced their new agentic ecommerce platforms earlier in the spring: Visa Intelligent Commerce and Mastercard Agent Pay. Both platforms are designed to support AI syste... Read More
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