Bhavna Kaushal

Bhavna Kaushal- Innovator and Thought Leader in Banking, Payments and Loyalty

With 20 years driving partnerships and innovation across Fintech and Fortune 100 companies, Bhavna Kaushal’s experience spans Banking, Consulting, Payments, and Loyalty in Canada, USA and internationally. She currently provides independent advisory services in these areas.

Bhavna’s experience includes leading Strategic Partnerships for Scotiabank’s international retail and digital business, where she steered a transformative digitization mandate and a multi-product loyalty strategy across 25+ LAC markets. Additionally, she spearheaded payments and partnership strategies for the US and Canada at Berkeley Payments, a fast growing Canadian fintech, and led payments innovation across North America at American Express.

A frequent thought leader at industry forums Bhavna has helped shape industry dialogues with Euromonitor International, where she serves as a member of the Global Loyalty Expert Council, and previously with the Canadian Prepaid Providers Organization, and the Association of Card Technology, among others. Bhavna has been recognized with the 2023 Women in Payments Social Impact and Sustainability award. She holds an MBA from the Schulich School of Business.