Michelle Beyo is the CEO and Founder of Finavator, an award-winning payments and future of finance consultancy. With over 20 years of expertise across Payments, Loyalty, Telco, Digital Identity, and Open Data, Michelle has driven innovation across retail and payments sectors, fostering strategic growth for numerous North American companies.

A recognized global thought leader and TEDx speaker, Michelle has presented at prominent events such as Money20/20, Fintech Meetup, and Open Banking Expo, passionately igniting discussions on the future of finance. She is a Money20/20 RiseUp alumna and mentor, serves as an Advisory Board Member to Tillo Rewards and VoPay, and is the President of Open Banking Network Canada (OFNC), championing data rights, transparency, and security in the financial landscape.

Michelle is also the creator and instructor of Finavator’s Future of Finance Master Class. Her accolades include being named one of the “Top 50 Women Leaders of Toronto” in 2023, a WXN CEDI (Canadian Equity, Diversity, and Inclusion) 2022 Award Winner, and a spot on the “Women in Fintech Global Power List” in 2021. She is a contributing author to the USA bestseller “Habits of Success” by Leaders Press.

Enabling the Future of Finance

The North American financial landscape is rapidly evolving, driven by the modernization of payments infrastructure, the digitization of commerce, and the reinvention of banking amidst increasing data proliferation and cyber threats. In this keynote, Michelle explores how financial leaders can adapt to these shifts, leverage emerging technologies, and unlock broader payment flows, operational efficiencies, and sustained innovation.

Importance of Open Banking in the Future of Finance

Open banking is a catalyst for the next wave of financial innovation. Michelle delves into how open banking empowers consumers, fuels new business models, and facilitates secure data sharing. She outlines its critical role in fostering more competitive, inclusive, and transparent financial ecosystems across North America and beyond.

Grit, Guts & Gratitude: The Path to Living an Entrepreneurial Life

In this deeply personal keynote, Michelle shares her entrepreneurial journey—from corporate leadership to launching a purpose-driven business. With authenticity and candor, she discusses the grit required to overcome obstacles, the courage to lead with vision, and the gratitude that underpins long-term success. This session is ideal for audiences seeking inspiration, resilience, and actionable insights on building a life of impact.