Fintech Trends & Insights

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

Two professionals reviewing data on a computer screen, representing automated underwriting and compliance processes in payments. Business Intelligence Automation Is the New Compliance Advantage By Marco Buchmayer In payments, compliance has traditionally been treated as a safeguard. A necessary layer of checks to manage risk, satisfy regulators and protect against fraud. But that view is starting to shift. For wholesale ISOs and PayFacs in particular, compliance is no longer just about risk mitigation, it’s becoming a defining factor in how quickly a business can grow, how efficiently it can operate and how competitive it is in the market. At the centre of that shift is underwriting, the process of a... Read More
Two office workers smile at a computer in a modern setting Embedded Payments Scaling Up? 5 Ways SaaS Platforms Can Minimize Disruption When Switching Payment Partners By Luis Peña At some point, most SaaS platforms outgrow their payments setup. What worked early on, when volumes were lower and requirements were simpler, can start to create friction as the business scales. New markets, more complex user needs and higher expectations around reliability all tend to expose the limits of a payments partner that once felt like a good fit. Switching providers is often the right move. But it’s rarely straightforward. Payments sit at the center of your product experience, so e... Read More
Person uses phone to make a recurring payment Embedded Payments Better SaaS Payments with Recurring Apple Pay and Google Pay Subscriptions By Lisa Lloyd Recurring payments are woven into our everyday life. Streaming platforms renew in the background. Fitness apps bill each month. Cloud software keeps teams running. Utility providers, meal kits, accounting platforms, parking apps, even gaming subscriptions all rely on recurring billing that works without interruption. When everything runs smoothly, nobody thinks about the payment at all. And that’s exactly the point. For businesses built on subscriptions, payment performance is not just a bac... Read More
Offering Your Merchants Better Ways To Process HSA and FSA Transactions Offering Your Merchants Better Ways To Process HSA and FSA Transactions By Lisa Lloyd Health savings accounts (HSAs) are special tax-advantaged savings accounts that allow U.S. taxpayers to pay for eligible health expenses with pre-tax dollars. And with the costs of daily life increasing, it’s no surprise that consumer adoption of HSAs is also on the rise. According to Morningstar, total HSA assets hit $146 billion in 2024, and up to four million new accounts could come online as a result of 2025’s “Big Beautiful Bill.” Along with the flexible spending account (FSA), the grow... Read More
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