Maksim Avdeev, joined QIWI in 2012. In his current role as Head of Innovations he is responsible for identifying, developing and delivering new innovations for QIWI, and digital transformation of QIWI’s business into Open-banking platform. He is the founder and СЕО of "Q Platform" - a leading bank-as-a-service platform in Russia & CIS, that is offering an access to infrastructure of 20+ banks, 2 brokers, 3 insurance companies etc. In addition, he is the manager of Open API department at the "Fintech Association" - an association of leading Russian financial market players. Maksim is responsible for developing Open API regulatory frameworks.