Fintech Trends & Insights

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

By Vicky Duehr Payment Card Industry Data Security Standard (PCI DSS) 4.0 is the most comprehensive update to the card industry’s security standards in years. Consequently, it has left a lot of businesses scrambling to understand and implement the necessary changes to how they secure sensitive card data — including payment companies like independent sales organizations (ISOs), payment facilitators (PayFacs) and software platforms offering payment processing. Version 4.0 was released in March 2022, but has ... Read More

By Peter Galvin Millennials redefined the expectations for what digital payments and omnichannel commerce look like. Gen Zers are the first true digital natives and the trendsetters driving the evolution of tomorrow’s payment solutions. Baby boomers are the cash and card generation, the most cautious with new payments tech and the generation that merchants can’t afford to forget about as we move into a new digital age. But what about Generation X? Gen X encompasses people born between 1965 and 1980. It is ... Read More

By Emily Pearce Every year, International Women’s Day challenges us to reflect on the progress we’ve made in promoting equality and what steps we can take to cultivate a more equitable future. This year’s theme, Accelerate Action, is a call to action to move beyond conversation and take meaningful steps toward gender equality in our personal lives and in the workplace. Progress isn’t passive. Instead, it’s built on the shoulders of deliberate efforts, collective advocacy and real-world change. It means ensu... Read More

NMI consumer survey: What do people want from payments in 2025?

By Peter Galvin At NMI we’re always keeping a finger on the pulse of how consumer payment habits are evolving. To get a sense of what’s ahead in 2025, we surveyed 1,000 consumers across America to find out how they plan to pay, what challenges they’re facing and what they think of some of the latest payment technologies. In this article, we’ll look at some of the results and key insights they offer into what consumers want from future payments, including: More self-checkout options A greater focus on... Read More

2 Big Changes in PCI DSS 4.0 and What They Mean for You By Vicky Duehr Payment Card Industry Data Security Standard (PCI DSS) 4.0 is the most comprehensive update to the card industry’s security standards in years. Consequently, it has left a lot of businesses scrambling to understand and implement the necessary changes to how they secure sensitive card data — inclu... Read More

Gen X — The Quietly Techy Consumers the Payments Space Forgot By Peter Galvin Millennials redefined the expectations for what digital payments and omnichannel commerce look like. Gen Zers are the first true digital natives and the trendsetters driving the evolution of tomorrow’s payment solutions. Baby boomers are the cash and card generation, the most cautious with new pa... Read More

International Women’s Day: Women at NMI Share What It Means To Accelerate Action By Emily Pearce Every year, International Women’s Day challenges us to reflect on the progress we’ve made in promoting equality and what steps we can take to cultivate a more equitable future. This year’s theme, Accelerate Action, is a call to action to move beyond conversation and take meaningful steps toward g... Read More

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NMI Survey: What Consumers Want from Payments in 2025 By Peter Galvin At NMI we’re always keeping a finger on the pulse of how consumer payment habits are evolving. To get a sense of what’s ahead in 2025, we surveyed 1,000 consumers across America to find out how they plan to pay, what challenges they’re facing and what they think of some of the latest payment tech... Read More

Network Tokens offer Better Security, Higher Approval Rates and Seamless Checkouts

Network Tokens: Better Security, Higher Approval Rates and Seamless Checkouts By Lisa Lloyd As the big card networks crack down on fraud and cyber attacks, we continue to hear two key questions: what is network tokenization and how can it help my merchants? In short, network tokenization is a security solution that replaces a customer’s primary account number (PAN) with a unique, but c... Read More

2025 predictions: differentiating will be key to SaaS growth

NMI 2025 Predictions: Embedded Payments Will Shape Success in SaaS By Kate Hampton It’s finally time for the NMI Executive Leadership Team to explore their thoughts and predictions for the most important payment trends coming down the pipe in the year ahead. This year, I chose to focus on the embedded payments space — an area where we’ve made significant strides over the last c... Read More

How to scale your software business with embedded payments

6 Steps to Scaling Your Business With Embedded Payments By Luis Peña Embedded payments are changing how small and medium-sized businesses (SMBs) access merchant services, especially as more merchants opt for payment processing and tech directly from the niche software providers that power their daily operations. For software platforms and SaaS (software-as-a-servi... Read More

NMI Kount integration stops payments fraud in its tracks

NMI Integration Stops Payments Fraud in Its Tracks By Michelle Kosir Fraud is a huge problem across the payments industry. Merchant losses from fraud hit $38 billion in 2023 and are set to hit $91 billion by 2028. But, with attacks growing more complex, sophisticated and organized each year, very few merchants can stop bad actors on their own. To help you keep yo... Read More

NMI 2025 Predictions: AI Will Transform Fintech By Vijay Sondhi At the beginning of each year, my Executive Leadership Team puts together a report outlining our predictions for the year ahead. Our 2025 edition is out now, and I’m extremely excited to share my own insights, along with predictions from four more of NMI’s executive thought leaders. This year, ... Read More

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