Fintech Trends & Insights

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

Scaling Up? 5 Ways SaaS Platforms Can Minimize Disruption When Switching Payment PartnersBy Luis Peña
At some point, most SaaS platforms outgrow their payments setup. What worked early on, when volumes were lower and requirements were simpler, can start to create friction as the business scales. New markets, more complex user needs and higher expectations around reliability all tend to expose the limits of a payments partner that once felt like a good fit. Switching providers is often the right move. But it’s rarely straightforward. Payments sit at the center of your product experience, so e...

How to Solve Your Merchant’s Most Pressing Invoicing ProblemsBy Matt Birchler
If you work with professionals, service providers, trades and contractors, or subscription sellers, you’ve probably heard your merchants complain about the unique challenges that invoice-based payments create. Sending out bills and processing transactions are just the tip of the iceberg. Everything from complex monthly reconciliation to chasing down late payers to clunky repeat sales add hours of work to your merchants’ operations and years of stress to their lives. Imagine what a critical pa...

Modular, Not Monolithic: Why Scaling Platforms Need Flexible Payments ArchitectureBy Michelle Kosir
Scaling a payments stack is one of the most defining technical decisions you’ll make for your software platform. Get it right, and your infrastructure grows with your business. Get it wrong, and you’re looking at months of payment re-platforming, lost revenue and frustrated users. For many platforms, the initial instinct is to reach for an all-in-one payments solution – one single, bundled system that handles everything from onboarding to processing to reporting. These monolithic systems o...

Automation Is the New Compliance AdvantageBy Marco Buchmayer
In payments, compliance has traditionally been treated as a safeguard. A necessary layer of checks to manage risk, satisfy regulators and protect against fraud. But that view is starting to shift. For wholesale ISOs and PayFacs in particular, compliance is no longer just about risk mitigation, it’s becoming a defining factor in how quickly a business can grow, how efficiently it can operate and how competitive it is in the market. At the centre of that shift is underwriting, the process of a...