Michelle Beyo is the CEO and Founder of Finavator, an award-winning payments and future of finance consultancy. With 20+ years of expertise spanning Payments, Loyalty, Telco, Digital Identity, and Open Data, Michelle is a globally recognized thought leader and TEDx speaker. As the host of the "Step into the Future of Finance" Spotify podcast, Michelle provides deep insights into the evolving digital landscape. She serves as President and Board Member of Open Finance Network Canada (OFNC), championing data rights and security. Her leadership extends to Wellesley Hills Financial LLC, where she is an Executive Advisor, and she remains a dedicated Money20/20 RiseUp Alumni and Mentor. A committed educator, Michelle created the Future of Finance Master Class, an intensive 6-hour on-demand program. Recently named to the "Top 5 PowerList" at the Open Banking Expo 2025.