Fintech Trends & Insights

Blog

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

Small business owner using a tablet to explore embedded lending options integrated into SaaS platforms, representing faster access to working capital. Embedded Payments Embedded Lending Explained: Faster, Easier Capital for SMBs By Peter Galvin & Michelle Kosir Embedded lending is changing the way small businesses access working capital by making it faster, easier and cheaper to apply for loans. It’s also creating new opportunities for frontline payments companies like software-as-a-service (SaaS) platforms and independent sales organizations (ISOs) to provide a high-value service while opening up a new, low-to-no-risk source of revenue. By integrating third-party embedded lending services into your offerings, you gain the ability to provide your c... Read More
A professional woman working at her laptop in a modern office, representing the payments industry's shift toward more realistic AI expectations and the rise of seamless, software-led merchant onboarding. Payment Trends Prediction: 2026 Will See AI Cool Off and SaaS Payments Heat Up By Phillip Goericke In 2026, I expect we’ll see big shifts in a couple key areas: how the industry is thinking about AI as a “right now” technology, and how merchants are choosing where to go for payments. On the AI front, I think reality is starting to set in. AI has dominated the payments conversation for the past few years, showing up in nearly every roadmap and press release. The large language models (LLMs) powering tools like ChatGPT have been soaking up billions in venture capital, with the promise of wo... Read More
Business professional using a tablet with embedded finance icons overlaid, representing how SaaS platforms deliver payments, lending, insurance and AI-driven financial services directly in-platform. Embedded Payments Rise of the Fintech-SaaS Hybrid: How Embedded Finance Is Changing B2B SaaS By Phillip Goericke Business owners are constantly looking for faster, frictionless digital experiences. Embedded finance — the integration of financial products into non-financial platforms — is capitalizing on that demand and changing the face of business software in the process. Traditionally, businesses got their operational software from a software-as-a-service (SaaS) vendor and accessed payments and financial services through financial technology (fintech) companies and banks. But today, the lines are bei... Read More
Man using in-car touchscreen interface while talking on the phone, illustrating NMI's prediction of the rise of connected vehicle technology and invisible payments in 2026. Payment Trends Prediction: 2026 Will Be the Year of Invisible Payments By Peter Galvin At NMI, we’ve talked often about how the best payment is an invisible one — the one you never even realize is happening. Until now, that idea has mostly applied to traditional shopping channels like online, in-store and mobile. But I truly believe that invisible payments are about to enter a new phase and become a foundational layer across a much broader range of consumer technologies. Three key forces are aligning to make that possible: The widespread availability of embeddable payments... Read More
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