Fintech Trends & Insights

Blog

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

A decorator smiles as he hands over his ipad to allow the customer to pay. She smiles back. Online Payments For SaaS Companies, Payments are Now a Strategic Imperative By Peter Galvin For years, payments was a capability that SaaS companies didn’t give much thought to. It was a nice-to-have feature that was bolted-on and integrated a bit roughly – just a box to check. Today, that mindset is outdated. Embedded payments have become a core part of how SaaS platforms compete, grow and retain customers. It’s become a strategically important function that, in some cases, can even become a SaaS platform’s primary revenue generator.  If you’re building B2B SaaS, it’s time to star... Read More
Millennial parents look at a jumper in a store. The man has a young child in his arms In-person Payments Millennial Parents Demand Frictionless Checkouts By Peter Galvin Millennials are entering their peak earning and spending years — and as more Millennials begin to start families, their influence as consumers continues to grow. To help your merchants meet their expectations, it’s crucial to understand how this demographic prefers to shop and pay. That’s why we conducted a survey in late 2025, of 1,000 Millennial parents across the U.S. to ask about their holiday shopping plans, payment preferences (online and in-store) and more. Let’s take a look at some o... Read More
Improving Small Business Access to Capital With Embedded Lending Improving Small Business Access to Capital With Embedded Lending By Jaron Ruckman & Michelle Kosir Your small merchants are facing uncertain times. Between inflation, tariffs, supply chain disruptions and labor shortages, it’s no surprise that the Small Business Optimism Index recently recorded one of its lowest readings in more than 50 years. On top of these pressures, many small merchants are also struggling to secure affordable capital — an issue that threatens their ability to weather these challenges and sustain long-term growth. In difficult economic environments, small businesses o... Read More
Man sits at computer with smile on his face knowing how to use his CRM in a banking environment. Why Payments CRMs are Key to Banks Competing with Fintechs and Big Platforms By Jerry Renkowski Banking is a competitive industry. For smaller banks to keep up with national giants, they need to do two things: First, offer customers services that are wider in scope and higher quality than the competition. And second, open up new sources of non-deposit and non-interest revenue to diversify revenue.  Those two things make payment processing and merchant services a slam dunk for most small banks. However, many banks aren’t optimizing their revenue from merchant services, if they even offe... Read More
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