In this episode, I had the chance to talk with Matthew Goldman, a true expert in the card space. Matthew has done stints at Green Dot, AT&T, Bankrate, and Apto Payments, as well as starting multiple of his own ventures. Matthew currently published the CardsFTW newsletter and is the founder and managing member of boutique fintech consultancy Totavi.

We had a chance to discuss:

* Matthew’s thoughts on where fintech debit & credit card businesses stand in 2025, including if interchange alone is a sustainability business model (hint: it’s not)

* Whether or not there’s room for another big consumer fintech out there

* The changing infrastructure space, including the difference between issuer processors and program managers

* Crypto & stablecoins

* and more!