In this conversation, Matthew Goldman, Founder of Totavi, discusses the evolution and future of card programs in the fintech space.

He explores transformative developments over the past two decades, the challenges of KYC and open banking, and the importance of niche card programs. 

The discussion also covers the convergence of buy now pay later options with traditional card programs, the role of sponsor banks, and the implications of interchange regulations. 

Goldman concludes with insights on the potential of stablecoins in the card ecosystem.