Michelle Beyo is a Global Thought Leader dedicated to driving industry innovation and simplifying the complex world of finance. With over 20 years of expertise in payments, digital identity, and open data, she is the Founder of Finavator, an award-winning consultancy leading cross-industry modernization.

A TEDx speaker and Money20/20 RiseUp Alumni, Michelle is a prominent voice on global stages, moderating high-impact dialogues on agentic payments and fintech’s next act. She is the author of Mastering the Future of Finance (Wiley, Sept 2026) and host of the Step into the Future of Finance podcast, where she decodes trends redefining the industry.

As President of Open Finance Network Canada (OFNC) and a two-time Open Banking Expo Powerlist honoree (2025 & 2026), Michelle advocates for financial inclusion and consumer data rights. Through her Future of Finance Master Class, she mentors the next generation of leaders navigating the evolving open banking landscape.