Matthew Goldman is a regular contributor to TWIF Signals, the Founder of Totavi, a boutique fintech product & marketing consulting firm, and the publisher of CardsFTW. The story of fintech’s explosive growth is, at its core, a story of infrastructure. Early pioneers like Venmo were forced to build foundational

Matthew Goldman is a regular contributor to TWIF Signals, the Founder of Totavi, a boutique fintech product & marketing consulting firm, and the publisher of CardsFTW. Over the past two decades, fintech has transformed the way we access financial services. The early 2000s saw a major shift in consumer finance,

In this article, I want to explore the unique and often misunderstood dynamics between fintech companies –  the end brands selling products to users – and the vendors they work with.  Traditional vendor relationships usually operate under a simple premise: the customer is in charge. The buyer, who spends money and drives

Our survey reveals: Not with fintech companies.

For companies launching cards, the decision to embed vs. build in-house infrastructure comes with important tradeoffs. A breakdown of the benefits and risks of each path.

Keeping criminals out may seem simple, but building KYC processes that separate the good cardholders from the bad ones is a huge challenge.