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If you’re interested in credit cards, debit cards, or other payment cards this newsletter is for you. We will share with you news on new products, product changes and more, with an industry insight angle, as well as covering consumer value.

We promise both snark and insight (not always at the same time).

This website doesn’t depend on commissions and won’t just tell you about how great Chase is all of the time.

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About Matthew

I am the Founder of Totavi, LLC, a boutique consulting firm. We bring real, operational experience that varies from the earliest days of a startup, high-growth phases, and public company leadership.

I started coding and building websites and products in the 1990s. Since then I have started five companies, and exited two, both times helping to lead the acquirer to an additional exit.

In my career I have been a founder and operator and a product leader. I’ve been both Chief Product Officer at both a public company with $400M in revenue and a Series B startup.

Check me out on LinkedIn or at my personal website.

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A weekly-ish email covering new products and analysis in the credit and debit card payments space for consumers and providers.


Matthew Goldman

2x Founder with Exits @ Vertical Finance, Wallaby Financial. More Product @ Bankrate, Green Dot. Loving payments for 20 years