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FINAVATOR's mission is to help executives and companies take steps towards enabling the Future of Finance through Education, Innovation and Strategic Growth

Finavator's Master Class on the Future of Finance

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Dive deep into the pivotal developments shaping the Future of Finance with Finavator's Master Class on the Future of Finance. Through insightful discussions, this course will help to prepare professionals.

This online course includes:

  • 6+ Hours of on Demand Videos

  • 3 Impactful Modules 

  • 10 Lectures 

  • 10 Expert Interviews from Global Leaders 

  • 10 Cheat Sheets 

  • 10 Quizzes

  • Links to Articles for Additional Insights

Upon completion, receive a certificate recognizing your completion of the course.

Start working with the FINAVATOR team today!

Contact us to book a free

30 minute discussion

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A swirl in varying colours of blue above the words FINAVATOR in blue above the phrase accelerate and innovate in italics

Finavator is an award-winning Payments and Future of Finance consultancy, We empower businesses to accelerate and innovate towards the future of finance. With expertise in payments, sales acceleration, strategic partnerships, and innovative marketing services, we’re here to guide you towards success.


With a proven track record, our team has collaborated with esteemed institutions such as banks, credit unions, global fintechs, payment networks, and technology firms across North America. We excel in addressing current challenges while uncovering growth opportunities for our clients.


Recognized for our expertise, Finavator has been featured in prestigious publications including, Medici Global, Open Banking Expo and CIO Magazine, among others.



Finavator's mission is to help companies drive towards the future of finance with more diverse, innovative and affordable financial services offerings. We achieve this by leveraging our Global network and payment expertise. 


FINAVATOR works with Banks, Credit Unions, Fintechs, Payment Networks and Technology Companies to solve their payment challenges, drive growth and create new revenue streams.


Our team are experts in everything related to the Future of Finance including: Sales Acceleration, Strategic Partnerships, Innovative Marketing, Prepaid Expertise, Go-To Market Strategy, Product Innovation, and Market Insights and Trends. 

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Prepaid Expertise

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Sales Acceleration

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Strategic Partnerships

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Innovative Marketing

Past Projects



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  • Enabled all aspects of Bank Prepaid BIN sponsorship for a Canadian challenger bank

  • Worked with stage-up to build a B2B Reloadable Card Program

  • Helped an executive team review all supplier options and worked on the design of their challenger bank solution 

  • Advisor to C-Suite on launching  Challenger Bank focused on Financial Education for kids

Open Finance

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  • Global Speaker on stages from Money2020 to Fintech Island

  • Full day and half day Corporate Open Banking learning sessions to executive teams

  • Assessment of online payments methods from around the world to determine Open Banking readiness and cost optimization 


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  • Created Buy Now Pay Later (BNPL) offerings for three key clients

  • Designed a B2B crypto loyalty reward program

  • Assisted a Nationally  chartered US bank explore becoming a crypto custody 

  • Helped a new blockchain start-up to build a crypto prepaid card 

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Michelle Beyo wearing a black tank top

Michelle Beyo is the CEO and Founder of Finavator an acclaimed payments and future of finance consultancy. Michelle brings over two decades of profound expertise in financial services. Her visionary leadership has propelled innovation in both retail and payments sectors, fostering strategic growth for numerous North American companies.


Internationally recognized as a thought leader and speaker, she has spoken on prestigious stages worldwide, including Santa Barbara TEDx, Money20/20,Fintech Meet Up and Open Banking Expo, igniting dialogue on the future of finance. A dedicated mentor and alumni of Money20/20 RiseUp program, she also serves as an Advisory Board Member to Tillo Rewards as well as VoPay.


Committed to consumer data rights, she leads as the President and Board Member of the Open Banking Network Canada OFNC, championing transparency and security in the financial landscape. Her passion for leveraging technology to craft inclusive financial solutions underscores her role in helping to shape the global finance innovation.


Michelle was named one of the "Top 50 Women Leaders of Toronto" in 2023, "Most Outstanding FinTech Executive Canada" in 2022 by Corporate Magazine, as well as receiving a spot on the "Women in FinTech Global Power List" in 2021. Michelle is also a contributing author to the USA best seller “Habits of Success” by Leaders Press.

Visit Michelle at

  • LinkedIn
  • website-icon-white-0_edited


Women We Admire 2023 Awardee Logo (1)
WXN Award Badge 2022
IE 100 Award Winner Badge 2023
Corporate Vision Corporate Excellence Award Badge
Open Banking Expo Award Finalist Badge 2021
The Business Fame The Most Innovative Business Leaders Revamping the Future Award 2021
The Silicon Review 30 Best CEOs of the Year Issue Logo
Most Influential Business Leaders Making A Difference In 2021 Award Badge
Innovate Finance Powerlist Badge
Nominee Badge for RBC Women of Influence Award

FinTech MeetUp Vegas 
Fireside Chat with Ginger Baker Head of Financial Access at Plaid

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Women's Entrepreneurship Day
United Nations New York

Money 20/20 Amsterdam
Main Stage on"Smooth Operators: Alternative Digital and "Phygital"Customer Experiences"

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Our Clients

Client Testimonials

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Alex Preece
CEO and Founder

“Michelle has an exceptional track record of helping organizations like Tillo to maximize their potential across the finance sector. We see enormous benefits within the fintech sector in the US and UK for driving customer acquisition and long-term relationships using the power of gift cards.  Drawing on Michelle’s experience and expertise will enable us to help them to accelerate growth.”







Open banking success stories from around the world – and why Canada should be next

Open banking success stories from around the world – and why Canada should be next

THE 2022 PAYMENTS CANADA SUMMIT The SUMMIT is Canada’s premier payment conference. On April 26 - 28, 2022, The 2022 SUMMIT brought together the best thinkers, visionaries and disruptors to discuss the future of payments in Canada and around the globe. Explore how modern payments will create new opportunities for us as a nation, as an industry, and as individuals. Learn more at SPEAKERS Michelle Beyo, Founder & CEO, FINAVATOR Simon Lyons, Standards Transformation Lead, Pay.UK Shivani Mukherjee, Partnerships Leader, Thought Machine Sekhar Sahgal, SVP, Open Banking, Mastercard SESSION DESCRIPTION Despite slow progress, open banking is no longer an unrealistic idea for Canada. Over the past year, we have seen a convergence of narratives among Canadian fintechs and incumbents regarding the future of consumer-directed finance in the country. The conversation has shifted from “what if” to “what now” following Canada’s Finance Minister’s release of the Final Recommendations report back in August 2021, which paves the way for an operational open banking framework in Canada by January 2023. Around the world today, there are many first-to-market players including the UK, Singapore, and Australia who are already far ahead of Canada in the implementation of an open banking framework. Join this international panel on open banking featuring the perspectives of payment experts from around the world as they offer insights on how open banking unfolds in their countries as well as their thoughts on how to implement a “made-in-Canada” approach.