Maria Nemilentseva is a junior researcher and PhD. student at LUT University, School of Engineering Science, Finland. Maria’s past education is directly related to that of finance and economics; M.Sc. in Economics and MBA degrees completed in Russia and in Finland. Maria’s past work experience was within the financial leasing sector, and she primarily focused on the collaboration of banks and leasing companies within the financial market. Nowadays, Maria focuses on collaborative innovation and (sustainable) service development within the financial industry, Fintech sector. Her other research interests are Innovation Management, Strategic Entrepreneurship, Design Thinking.