Fintech Trends & Insights

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

Image of woman learning about Visa CEDP and what it means for payments providers Payment Trends Everything You Need To Know About Visa CEDP By Lisa Lloyd & Matt Birchler Last updated October 23, 2025. In April 2025, Visa launched two new initiatives: the Visa Commercial Enhanced Data Program (CEDP) and the Visa Acquirer Monitoring Program (VAMP). Each involves important modernizations to legacy programs and includes key changes that both merchants and acquirers need to understand. CEDP is the next evolution of Visa’s Level 2 and Level 3 enhanced data program. It is aimed at improving enhanced data collection for corporate and government transactions. Launch... Read More
Image of woman doing her holiday shopping with modular payment solutions Payment Trends NMI Survey: What Matters to Consumers This Holiday Season? By Peter Galvin The holiday season is almost here — and for many merchants, it’s the most important sales time of the year. While they’re busy prepping promotions, stocking shelves and scheduling seasonal staff, there’s one critical area they can’t afford to overlook: digital payments. Every year, the stakes get higher. Consumers have more choices, younger shoppers hold more spending power, and competition (both online and in-store) is fiercer than ever. The checkout experience plays a major role in whether... Read More
Image of a man in front of a bank. He's an expert on open banking in the payments industry Payment Trends Open Banking Explained: Opportunities and Challenges for Payment Providers By Marco Buchmayer Payments is a technology-driven industry, and data sits at the heart of every advancement. One new source of data that stands to shake things up is open banking, an open-data framework that lets customers share their financial information with third parties to improve their services. Unsurprisingly, this new level of access to consumer data is already making an impact across the payments ecosystem. It’s driving everything from new rails like pay-by-bank to improved orchestration and value-ad... Read More
Image of payments company employees discussing how to use AI and build an AI-first product org Business Intelligence Q&A With NMI CPO: Building an AI-First Product Org By Tiffany Johnson   Artificial intelligence (AI) isn’t just changing the way we build products — it’s reshaping how product teams themselves operate. From design and development to customer insights and training, AI is finding its way into nearly every corner of the product lifecycle. But what does it really take to build an AI-first product organization? To dig into that question, I sat down with Echo Point Managing Director Mustafa Kapadia to share how my team at NMI is approaching this transformation... Read More
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