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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 Stratgic Growth

Start working with the FINAVATOR team today!

Contact us to book a free

30 minute discussion

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FINAVATOR is an award-winning future of finance advisory firm that works with companies to solve their payment challenges, drive growth, and create new revenue streams.

FINAVATOR has worked with major banks, credit unions, key global fintechs, payment networks and technology companies to help them create innovative solutions for their customers.

Our Mission

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

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 is the CEO and Founder of FINAVATOR, an award-winning Payments and Future of Finance consultancy. She is also a TEDx Speaker, WEDO United Nations speaker, Money 20/20 Rise Up alumni, board advisor to Open Banking Expo and the President and a Board Member at the Open Finance Network of Canada (OFNC). 


With over 20 years of extensive industry experience, Michelle started FINAVATOR as she is passionate about payments and financial inclusion. She has helped to drive innovation across the retail and payments space, and supported the growth of industry leaders across North America. Michelle Beyo has won multiple awards including the “Top 30 Best CEOs in 2021” by The Silicon Valley Review, “Women in Fintech Global Powerlist” 2021, “Most Influential Leader in FinTech Consulting 2020 – Canada” by Corporate Vision.

Visit Michelle at


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"

An image of Michelle Beyo speaking at Money 2020 in Amsterdam


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.”