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Future of Finance 

Start working with the FINAVATOR team today!

Contact us to book a free

30 minute consultation.

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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.

Connect with our team to find out how we can help your business:

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



Our team will work with your company and take you through our proven process: 

Kick Off


We start by meeting with your team to hear from you first hand on your organization's challenges, needs, and goals. 


After we listen to your team and gain a deeper understanding of your challenges, needs, and goals, our team will begin our analysis. Our analysis will result in: 

  • Identifying Threats 

  • Identifying Opportunities 

  • Recommended Solutions  

We will present our findings to your team, implement feedback, and create a roadmap on how we will work together to implement the recommendations which will include determining resources, establishing touch points, and more. 


Working with your team, we will implement our recommendations: creating new sales strategies, establishing strategic partnerships, launching innovative marketing campaigns, and more. 

Review and Report 

Our team will continue to monitor, review and report on the success of our recommendations. We will monitor the impact the recommendations have on your business against your company's goals, and will make sure to adapt if needed. 

Finavator consulting process

Past Projects


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

  • Created a B2B Reloadable Card Program for a Canadian FinTech

  • Helped a Canadian challenger bank create and launch a Prepaid Program for the Canadian market 

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

  • Created and launched an Educational Debit MasterCard for Kids for a Canadian challenger bank - one of the first three in the country

Open Finance

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


  • Host of OFNC Youtube Series 

  • Host of OFNC Monthly Industry Discussion 


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  • Created a B2B crypto loyalty reward infrastructure

  • Assisted a Nationally  chartered US bank in exploring crypto custody and determining if there was a strategic fit

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

Women's Entrepreneurship Day at the United Nations

FinTech MeetUp

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

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  • LinkedIn
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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


Our Clients

Client Testimonials




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Mid-sized NASDAQ-listed NY Bank

"It is with great pleasure that we are writing for FINAVATOR and Michelle Beyo who works as a consultant for us for the Prepaid Debit card programs. We are a mid-sized NASDAQ listed Bank in Long Island, New York. FINAVATOR and Michelle have excellent work ethics and exemplary skills. She is a great team player and always has a proactive attitude towards navigating program, creativity, achieving goals and meeting deadlines.


FINAVATOR has been working with us for the past six months to manage the launch of the Pre-paid debit card products with our clients. FINAVATOR and Michele will be an invaluable asset to any team, and they merit our highest regard. Our institution would not have been able to successfully plan and launch our product without their involvement in the program."