Fintech consulting for card & payment products

New fintech product? Get it done.

What we do

We are a boutique consulting firm built by operators who know how to get things done. We specialize in fintech advisory, product implementation, and marketing, bringing hands-on experience from startup scrappiness to public company leadership.

We've launched products, scaled businesses, and tackled the toughest challenges in payments, cards, and beyond. Our feedback is direct and our insights are actionable because our goal is simple: to help you move fast and make an impact. When you work with Totavi, you get serious expertise without the full-time overhead. We work alongside you to build something great.

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Fintech Advisory

Launch faster and skip the expensive mistakes: guidance from operators who've built and scaled card programs.

Leverage our experience and network to expedite your fintech journey. We'll help you figure out how to build and scale your product, from financial modeling to onboarding and compliance, so you can focus on growing your business.
Product Management

Senior product leadership on demand: from roadmap to shipped product.

Whether you need a Chief Product Officer or a hands-on Product Manager, we're here to help. From crafting requirements to collaborating with developers, we'll work with you to turn your vision into a product that delivers.
Marketing

Marketing by people who actually understand fintech: messaging that converts, not generic growth plays.

From branding and design to ad-buying and engagement, we've got your marketing covered. Whether you need a website refresh, help running ads, or a fractional CMO, we'll make sure your message connects and drives results.

What our customers are saying

“Matthew and Ellen have been instrumental throughout our entire product re-launch here at Kasheesh.”

Kevin Kim

Co-Founder and CTO, Kasheesh

“If you're considering working with Matthew — don't think twice. Having him in our camp has been a lifesaver.”

Trista Kempa

Co-Founder and COO, Ferry

“Esther kept us on track, delivered everything we asked for (and more) and made sure we hit our marks.”

Patrick Lamb

Head of Sales (North America), Trifork

How we contribute

We spend hours every week diving deep into the world of payments, cards, and fintech. From tracking industry trends to analyzing emerging opportunities, we do the work to stay ahead. Our research reports and newsletters are a reflection of this dedication, helping our clients make confident decisions and stay competitive in a rapidly changing industry.

The Totavi App and Pro Subscription

Introducing the Totavi App: your all-in-one hub for fintech insights, tools, and resources. Get full access to Totavi's research reports, in-depth market analyses, and our proprietary Fintech Navigator tool to explore the relationships between banks, card programs, providers, and investors. Browse curated VC lists, leverage our open source credit card model, and more. Whether you're building, investing, or advising in fintech, Totavi keeps you ahead of the curve.

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CardsFTW

Each week, we share insights and analysis on new credit and debit card products for both consumers and providers.

ProductFTW

Every other week, we share advice and insights on product management in technology startups, helping you tackle challenges and get shit done.

Recent Highlight

What the Visa, Mastercard Settlement Means for Your Favorite Rewards Credit Card

The ongoing Visa and Mastercard swipe fee lawsuit drama had a big development this week when a U.S. judge granted preliminary approval for a revised $38 billion settlement. One included item was a change to the "honor all cards" rule that would give merchants the ability to stop accepting certain types of cards.

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Have a fintech product to build?

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