Fintech Trends & Insights

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

Merchant underwriting 101 for payment providers Merchant Sign Up Merchant Underwriting 101: From the Basics to Automation By Vicky Duehr & Pete Alcock How do you stop bad merchants from racking up chargebacks, selling unauthorized high-risk products or services or taking advantage of outdated fee schedules? What about protecting buyers from bad business, predatory practices or outright fraud? Merchant underwriting is one of the most crucial tasks in the payments space; it helps ensure that your merchants are legitimately identified, of proper financial condition, and conform with your risk policies. Unfortunately, error-prone manual proces... Read More
Making the case for better self-checkout systems Unattended Payments Making the Case for Better Self-Checkout Systems By Pete Alcock “Should cashiers be humans or machines?” This is the headline of a 2017 BBC article examining the then-emerging self-checkout shopping experience. In 2024 BBC wrote another article with the headline, “‘It hasn't delivered’: The spectacular failure of self-checkout technology.” That headline mirrors many others like it. The Atlantic proclaimed, “Self-Checkout Is a Failed Experiment (Please, not another ‘unexpected item in the bagging area’).” Self-checkouts are everywhere. While some news out... Read More
How cashless economies are reshaping payments Payment Trends Cashless Payments: The Long-Term Trend Changing Everything By Vijay Sondhi Cash use has been declining for years, but will it ever reach the point where we become an entirely cashless society? I was in Canada recently and was shocked by how many small restaurants didn’t accept cash. Statistics Canada — the country’s national statistical service — found that only half of the country's businesses accept cash. Analysis from Moneris shows cash use is in steep decline and set to drop another 70% by 2030, reducing it to 10% of all transactions in Canada.  Although slowe... Read More
What are embedded payments? Payment Platform What Are Embedded Payments? By Tiffany Johnson Embedded payments are reshaping software development. Platforms now can provide payment acceptance to their merchants, seamlessly available in their core offer, without needing to take on the technical, operational and regulatory complexity of traditional payments.    Emerging technology makes it possible for businesses to access payments easily while minimizing the number of platforms they have to juggle. This growing trend opens the door for software platforms to tap into payments as a new... Read More
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