Fintech Trends & Insights

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

By Kanan Keeney Convenience and affordability are two of the most important factors merchants look for in payment systems. Software point-of-sale (SoftPOS) applications — an emerging mobile payment solution — offer both. Like mobile point-of-sale (mPOS) systems, SoftPOS systems turn any phone or Android tablet into a fully secure payment acceptance terminal. But, unlike mPOS systems, which require a phone or tablet and a specialized card reader, SoftPOS eliminates the extra hardware, using just an app and a... Read More

By Kate Hampton In February 2025, FICO announced the development of a new system that incorporates buy now, pay later (BNPL) data into consumers’ credit scores. This system, which the company is preparing to roll out, marks the first big step into standardizing BNPL reporting — and closing the gap in how buyers view buy now, pay later in comparison to other credit products. The question now is how will the change in reporting impact consumers and how will they adapt, if at all? BNPL Has Seen Significant Gr... Read More

Grow your ISO merchant portfolio with data

By Barbora Spáčilová Payments is an ultra-competitive space, and anything that can give you an edge is worth pursuing. It’s also a data-rich space, with enormous amounts of information being generated by your merchants’ daily activities. That data is a strategic advantage — if you can capture and use it better than your competitors. Better analytics and insights give you a deeper understanding of your merchants and their processing behavior. With that understanding you can identify new opportunities to serve th... Read More

By Peter Galvin Payments fraud is an ongoing challenge. In 2023, fraud losses topped $10 billion — a 14% jump from the year before. As more transactions happen online, it’s crucial to keep your merchants and their customers safe from bad actors. To combat fraud while improving transaction efficiency, and in some cases reduce interchange costs, the major card brands, like Visa and Mastercard, have introduced network tokenization — a way to store sensitive payment data more securely. But what is network toke... Read More

SoftPOS: The Next Evolution in Convenient Mobile Payment Systems By Kanan Keeney Convenience and affordability are two of the most important factors merchants look for in payment systems. Software point-of-sale (SoftPOS) applications — an emerging mobile payment solution — offer both. Like mobile point-of-sale (mPOS) systems, SoftPOS systems turn any phone or Android tablet ... Read More

BNPL Will Soon Impact FICO Scores — What Will It Mean? By Kate Hampton In February 2025, FICO announced the development of a new system that incorporates buy now, pay later (BNPL) data into consumers’ credit scores. This system, which the company is preparing to roll out, marks the first big step into standardizing BNPL reporting — and closing the gap in how buyers ... Read More

Growing Your Merchant Portfolio Through Analytics and Data By Barbora Spáčilová Payments is an ultra-competitive space, and anything that can give you an edge is worth pursuing. It’s also a data-rich space, with enormous amounts of information being generated by your merchants’ daily activities. That data is a strategic advantage — if you can capture and use it better than y... Read More

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The Top 8 Questions About Network Tokens By Peter Galvin Payments fraud is an ongoing challenge. In 2023, fraud losses topped $10 billion — a 14% jump from the year before. As more transactions happen online, it’s crucial to keep your merchants and their customers safe from bad actors. To combat fraud while improving transaction efficiency, and in som... Read More

buy vs build: choosing the best payment crm for your business

Build vs. Buy: Choosing the Best Payments CRM For Your Business By Michelle Kosir Should you build or buy a customer relationship management (CRM) platform for your payments business? That’s a question you'll likely run into at some point during your company’s growth, especially as the limits of generic CRM systems become more apparent. Unfortunately, there’s no simple answe... Read More

NMI offers tap to pay with Mastercard's Cloud Commerce app

Tap Into Tap to Pay and Stand Out With SMB Merchants By Phillip Goericke Offering standout service to modern merchants is all about making payments as easy as possible. Tap to pay payments are designed to do exactly that — allow merchants to accept payments anytime, anywhere, using nothing but the mobile devices they already carry. By using communication and security... 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

How AI Is Transforming Payments in 2025 By Vijay Sondhi AI is evolving at an unbelievable pace. Just look at what happened in January — DeepSeek R1 dropped, and suddenly, we had a large language model (LLM) that runs on a smartphone and can compete with OpenAI’s models at a fraction of the cost. It’s also open-source. There’s still some debate about... Read More

should you build or buy payment services?

Build vs. Buy: Putting Together a Modern Payments Tech Stack By Kate Hampton Selling modern payments is becoming more complex, and often involves a heavy investment in software. Whether you’re an independent sales organization (ISO) or a software platform, you’ll need the following to properly serve your merchants: Payment gateways Signup and onboarding systems Cu... Read More

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