What’s in the Cards for Financial Services’ Most Ubiquitous Product?

Bank Nerd Corner welcomes Matthew Goldman, the founder of credit card advisory firm Totavi.

Kiah and Matthew are both what Kiah calls “maximizers” and they discuss the dozens of cards they have between them before moving onto the meat of the conversation: The Totavi 2025 recap and 2026 trends report. 

Debit and credit cards are important but ubiquitous products in the financial ecosystem and in consumers’ lives. Matthew points out that many consumers interact with a card daily. This makes cards a nexus of development and innovation for both legacy banks and their nonbank competitors.

Matthew shares the major themes of 2025, which include the issuance of cryptocurrency cards, the challenges of issuing credit to freelance and gig workers and how technology will alter hyperpersonalization and maybe even create super apps.

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Follow Kiah:

LinkedIn: https://www.linkedin.com/in/khaslett/

Twitter: https://twitter.com/khaslett

Follow Dan: https://www.linkedin.com/in/matthewgoldman/

Read the Totavi 2025 Recap and 2026 Trend report: https://www.totavi.com/post/totavi-annual-trends-report-2025