Matthew Goldman

Founder Totavi

Matthew is the founder of Totavi and a lifelong serial entrepreneur. He has started five businesses, raised more than $30MM in capital from leading investors, and served as a founder or executive in four exits totaling more than $1.6 billion. 

Matthew is “OG when it comes to payments / embedded finance.” He started his payments journey in 2006 as a product manager at Green Dot, working with issuers such as Citibank, Synchrony, and Synovus and retailers like Walmart, Walgreens, and Kroger. 

 
In 2012, Matthew founded Wallaby Financial, which developed an intelligent algorithm and apps for consumer card selection, routing, and recommendations, and was backed by FF Angel (Founders Fund) and Mucker Capital. Bankrate acquired Wallaby in 2014 and named Matthew as SVP and Chief Product Officer for its cards division. In 2019, Matthew founded Vertical Finance with return investor Mucker Capital. Apto Payments acquired Vertical Finance in 2021, ultimately naming Matthew President and Chief Product Officer. After leading a sale of Apto Payments to Qenta, he started Totavi in Spring 2023. 

Matthew’s vast fintech experience comes from a strong technical background, bolstered by his formal education in economics. Matthew boasts an unparalleled network in fintech and helps his clients to accelerate their development and see around corners, saving time and money and increasing growth and speed. 
Since 2020, Matthew has published CardsFTW, the definitive newsletter for cards. He is frequently quoted in major media such as The Wall Street Journal, Fortune, and NerdWallet. He is also known for his open-source credit card financial model.