NMI

This Thanksgiving, we’re truly grateful for the partners, customers and colleagues. Wishing you and your loved ones a happy, restful and truly frictionless Thanksgiving.

2026 won’t just change how we pay - it will change what we expect from the world around us. We're excited to share Peter Galvin’s 2026 predictions, which point to a moment where three forces converge to reshape commerce as we know it: 🔹 Embeddable payments everywhere; moving transactions out of checkout flows and into the fabric of software, devices and physical environments. 🔹 A growing realization that payments are a revenue engine, not a back-office function. 🔹 AI-driven automation capable of detecting intent, anticipating needs and executing purchases without human intervention. When these forces align, payments become something you barely have to think about. Your car pays for charging. Your business apps pay vendors before you even know a bottleneck is forming. Your smart environment becomes your wallet. Invisible payments aren’t science fiction. They’re the next competitive frontier. The companies preparing now will be the ones defining the experience layer of digital commerce in 2026 and beyond. Read Peter's blog today and let us know in the comments below is his predictions resonate with you. https://bit.ly/4in8EWd

Have you ever thought, “I love the holiday season… but why is everything so expensive, why is the line 400 people deep, and why does my kid suddenly need a $200 robot dog?” To answer each one of those questions, NMI’s latest research of Millennial parents is just in and honestly.. you're not alone! It’s a whole holiday mood - these parents are stressed yet sentimental, broke yet generous. They're also absolutely done with slow checkouts. ✨ 63% of Millennial parents say their holiday budgets are tighter this year ✨ 27% will still spend $500+ per child ✨ 51% walk away from in-store purchases because the line is too long ✨ 75% are willing to pay extra just for convenience That's not all that was uncovered. According to our data, there are three types of holiday shoppers out there: 🎁 The Efficiency Elves Fast checkout or nothing. If it doesn’t tap, scan, or one-click, they’re out. 🎁 The Holiday Hustlers Stretching every dollar, juggling extra jobs, still determined to make magic happen. 🎁 The Tradition Treasurers The ones who actually like going in-store to feel the holiday vibes (bless them). So tell us… which one are you? 👀 Efficiency Elf? Hustler? Tradition purist? No judgment - holiday shopping is the new contact sport. Want the full breakdown? 👉 Dive in & see how Millennial parents are really approaching the holidays this year. https://bit.ly/4iEQ641

🎄 Gen Z and Millennials might reshape this year’s holiday shopping season — and small merchants could be the ones who benefit most. Younger shoppers are spending less on Amazon and more time in stores. They want social, personalized experiences, and they’re willing to spend more with the businesses that support them. That shift creates real opportunities for your merchants heading into Black Friday, Small Business Saturday and Cyber Monday. Let's look at some of the trends shaping this holiday season: •𝗪𝗲𝗯𝗿𝗼𝗼𝗺𝗶𝗻𝗴 𝗶𝘀 𝗿𝗶𝘀𝗶𝗻𝗴: 29% of Gen Z browse online before buying in store, making seamless omnichannel experiences essential •𝗟𝗼𝗰𝗮𝗹 𝗱𝗶𝘀𝗰𝗼𝘃𝗲𝗿𝘆 𝗶𝘀 𝗯𝗮𝗰𝗸: 90% of Gen Z and Millennials find new shops just by walking around — a big win for merchants who invest in community-driven events •𝗜𝗻-𝘀𝘁𝗼𝗿𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲 𝗶𝘀 𝗿𝗲𝗮𝗹: Higher foot traffic demands fast, flexible checkout with tools like Tap to Pay and backup terminals •𝗬𝗼𝘂𝗻𝗴𝗲𝗿 𝘀𝗵𝗼𝗽𝗽𝗲𝗿𝘀 𝗲𝘅𝗽𝗲𝗰𝘁 𝗺𝗼𝗿𝗲 𝗼𝗽𝘁𝗶𝗼𝗻𝘀: Digital wallets, tap to pay, text to pay and in-app payments help compete with ecommerce giants Small businesses can capture more holiday sales this year — but only if their checkout experience keeps pace with shopper expectations. Want the full breakdown, including the latest data and practical steps your merchants can use? 👉 Read the full article and share what trends you’re seeing this season! #payments #retailtrends #holidayshopping #fintech #merchantservices

The digitalization of payments is fundamentally transforming consumer spending. As Black Friday approaches, it’s now essential for our partners to help their merchants understand how much the in-store experience now depends on speed and convenience. Consumers are rapidly embracing digital payment methods. More than three in ten shoppers now use mobile wallets in stores every week, a figure that has more than doubled year over year. Further, the business impact for the merchants is clear: ⚡ 47% of consumers say they spend more when checkout is fast and frictionless. ⚡46% will abandon their carts when the process becomes complicated or frustrating. For partners supporting merchants through the holiday rush, enabling a fast, seamless payment experience is no longer optional. It’s essential for helping merchants capture higher-value baskets, reduce abandonment at the final moment and maximize revenue during the busiest season of the year. To learn more about how we're supporting our merchants over this period and beyond, head to NMI.com

You know that feeling when Friday arrives… and the whole team has shined again? 💜💚 A sincere and massive thank-you to all the NMIers who participated as volunteers for this year’s NMI Cares. 81 of you showed up in your local communities, contributing more than 3.2k hours to support 14 organizations, making a difference to the projects you care deeply about. NMIers from across the globe gave their time to support a range of community programs from preparing meals, supporting families in need, offering career guidance, running exhibitions, and helping restore local natural spaces. We also want to send a huge thank-you to all our wonderful host nonprofits for giving us the opportunity to give back. Spring of Hope, Bristol The Society of St. Vincent de Paul - Phoenix FoodForward SA, Cape Town Los Angeles Regional Food Bank North Texas Food Bank, Dallas Project Angel Food, Los Angeles Boys & Girls Club, North Central Illinois Wallace & Gromit's Grand Appeal Exhibition, Bristol North Texas Food Bank – Jan’s Garden, Dallas Natural Areas of Fermilab, Batavia Bristol North West Foodbank Citymeals on Wheels, New York Greater Vancouver Food Bank Township of Schaumburg Food Pantry Team NMI - together, you made a real difference and we could not be prouder of you!

'The youngest, most digitally native consumers are finding more opportunities and more reasons to shop in-store.' Melissa Peirano, Director of Product, lifts the lid on a notable shift in purchasing habits and what this opportunity means for merchants in her latest blog. Now that the holiday shopping season has officially begun, small merchants may have more momentum than you think. With younger consumers increasingly seeking high-quality, in-person shopping experiences, 2025 could become a breakthrough moment for local businesses competing with the big platforms. Melissa explores the data behind this shift and what it means for the merchants you support. From the rise of IRL shopping among Gen Z to the renewed relevance of Small Business Saturday, she breaks down how small merchants can capture more holiday spend this season. Outlining three key insights your merchants need to know this holiday season, the blog pinpoints how winning merchants blend social discovery with seamless in-store payments, how community-focused events can boost traffic and why frictionless checkout remains non-negotiable. Read the blog and let us know your thoughts below: https://bit.ly/486t8gX

I recently joined Greg Myers on the Leaders In Payments Podcast series for a great conversation about the rise of network tokens and why they’re becoming such a powerful tool for improving the payment experience. Network tokens aren't just a security feature, they are a business lever. Huge thanks to Greg, along with Mark Van Horn from Giesecke+Devrient, and Ryan Francis from Mastercard, for such an engaging discussion. Always a pleasure to dive into where the industry is headed — and what innovations are creating real value for both businesses and consumers. It was fun to explore the topic with such experts in the field! We talked about why Network tokens have such a positive impact on payment approval rates, customer loyalty, fraud reduction and the role of Tokens and Passkeys in #AgenticCommerce - among other insights. If you’re curious about where tokenization is going next, give it a watch or listen and let me know what you think in the comments! 👉 https://bit.ly/43Dnr90 #Tokenization #PaymentsInnovation #Fintech #DigitalPayments #NMI

Why give away hard-earned brand visibility when you don’t have to? 🤔 For a lot of software companies, payments come with a hidden cost: another company's logo taking center stage while theirs fades from view. White-labeled payments flip that dynamic by keeping your brand in the spotlight. They keep users anchored in a consistent experience from sign-up to account management to payment acceptance. By white labeling your in-platform payment experience, you can: ✅ Highlight your brand at every step of the payment flow ✅ Reduce confusion from mixed branding or unfamiliar checkout pages ✅ Strengthen customer trust through consistent user experiences ✅ Build deeper loyalty by reinforcing your platform’s value Read our latest article below to learn more about how white labeling can strengthen your UI and keep your brand top of mind. And don't forget to let us know what you think in the comments! 👇 #SaaS #Software #EmbeddedPayments #Fintech