On the Around The Coin podcast, host Stephen Sargeant interviews fintech leader Michelle Beyo, CEO and Founder of Finavator, about why open banking, open finance, and open data have advanced globally while North America, particularly Canada, continues to lag behind due to a lack of consumer data rights, clear timelines, and mandated implementation. Beyo explains how consent-driven data sharing could increase competition, lower costs, improve lending and mortgage processes, and potentially drive GDP growth, citing McKinsey's estimate of a 1–5% GDP impact from open data and Brazil's reduced interest rates for small and medium-sized businesses. They also discuss digital identity, Denmark's efforts to protect consumers' rights over their voices and likenesses against AI deepfakes, stablecoin innovation shifting toward the U.S., Canada's productivity and funding challenges, and the importance of retaining intellectual property and entrepreneurial talent. Beyo also shares insights into Finavator's work, its new Venture Studios initiative, and practical advice on building partnerships, preventing burnout, and standing out through thought leadership.

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What's Holding Back Canada's Fintech Industry? - Michelle Beyo | ATC #633