A unique academic-practitioner event accelerating responsible financial innovation. Held the day after Money20/20 Europe, Amsterdam.
3f is a unique event that brings together digital finance leaders and scholars with the goal of accelerating responsible financial innovation. It also welcomes investors, regulators, policymakers, journalists and other key participants from across the financial ecosystem.
There will be ample opportunities for networking, both in person and online, supported by a dedicated app available before, during, and after the conference.
Numerous digital finance leaders will be participating in 3f, all with an expressed interest in connecting and collaborating with academics.
Future Finance Fest aims to unlock massive value through participant interactions. Questions? Write to chair@3f.live
We welcome both academic and fintech/practitioner speakers.
5 parallel rooms all day. Scroll horizontally to see all tracks.
| Time | Vanilla | Chili | Wasabi | Coriander | Lavender |
|---|---|---|---|---|---|
| 8:30–9:00 | Arrivals & coffee | ||||
| 9:00–10:10 |
Session 100 · Opening plenary · Vanilla
Opening remarks & housekeeping · David Stolin · Future Finance Fest (3f)
Neuro-Structured Learning: A Cognitive Architecture for Building Financial Competence · Alexander Angelov, Vladimir Atanasov, Kurt Carlson · William & Mary, USA Building Better FinTech: The Academic Edge · Antonio Gargano · University of Houston, USA Digital Ownership: The Tokenization of Real-World Assets · Gilles Chemla, Katrin Tinn · Imperial Business School, CNRS, and CEPR; McGill University | ||||
| 10:10–10:30 | Coffee break #1 · Ginger room | ||||
| 10:30–10:45 | 101 Access Was Solved. Understanding Wasn't. Building the Interpretation Layer for Modern Fintech Amr Mohamed NEUMETRIA, Latvia |
201 Stablecoins Activity: Use and Misuse Gregory Gadzinski, Jean-Michel Maeso, Alessio Castello, Vito Liuzzi International University of Monaco |
301 GenAI-Based Index of Financial Constraints Bektemir Ysmailov Nazarbayev University |
401 The Rise of Algorithmic Retail Option Traders Diego Amaya, Pedro Angel Garcia Ares, Neil D. Pearson, Aurelio Vasquez Wilfrid Laurier; ITAM Mexico |
501 The Global Latent Risk Factor in Corporate Debt Distress: Frailty and Spillover Effects Yanru Lee Hoover Institution, Stanford |
| 10:50–11:05 | 102 Almond Fintech: The intelligence layer for global money movement Adam Swartzbaugh Almond FinTech, USA |
202 Market Efficiency in Prediction Markets – A Comparison with Derivatives Michele Fabi, Roberto Marfè, Vittorio Ruffo, Lorenzo Schoenleber Telecom Paris; Collegio Carlo Alberto; NC State |
302 Does Corporate Production of AI Innovation Create Value? Ali Ahmadi, Ambrus Kecskes, Roni Michaely, Anh Nguyen Schulich; HKU Business School |
402 Pump and Dump: Price Manipulation in Experimental Markets Brian Kluger, Mehmet Saglam University of Cincinnati |
502 Re(Visiting) Time Series Foundation Models in Finance Eghbal Rahimikia, Hao Ni, Weiguan Wang UCL; Shanghai University |
| 11:10–11:25 | 103 From Traditional Infrastructure to Collaborative Networks: Cross-Border Payments with Tokenized Deposits Sofi Hakanson Centiglobe, Sweden |
203 On Bubbles in Cryptocurrency Prices Maarten van Oordt Vrije Universiteit Amsterdam |
303 Regulatory Divergence and Bank Capital Flows Lucas Cisneros, Bryan Gutierrez Superintendencia de Banca; Univ. of Minnesota |
403 The Evolving Credibility of Stories Alyssa Rusonik HEC Paris |
503 Reassessing Sparse Signals in the Cross-Section of Returns Dominik Roesch, Yihe Yu SUNY Buffalo; Rensselaer Polytechnic |
| 11:30–11:45 | 104 From Remittances to Resilience: Interoperable Payments for Rural Inclusion in Latin America Sabine Schaller Interledger Foundation, USA |
204 Do Cryptocurrency Investors care about Quantum Risks? Louis Bertucci, Hossein Jahanshahloo, Stefan Scharnowski Institut Louis Bachelier; Alliance MBS; Mannheim |
304 Technology, Online Banks, and Credit Market Segmentation Rachel J. Nam USI Lugano & Swiss Finance Institute |
404 Algorithmic Persuasion – Financial advice in the age of AI Mads Nielsen, Labrini Zarpala Utrecht University |
504 Hard to Process: Atypical Firms and the Cross-Section of Expected Returns Sebastian Weibels University of Cologne |
| 11:50–12:05 | 105 Deepening the Secondary Market: Integrating Trade Credit into Market Clearing with the Cycles Protocol Tomaž Fleischman, Ethan Buchman Cycles Protocol SA, Switzerland |
205 How Do Flash Loans Affect Market Liquidity? Simeng Li Imperial College London |
305 Banking competition and regulation with diverse business models Peter Eccles, Paolo Siciliani, Paul Grout, Ania Zalewska Bank of England; Bristol; Leicester |
405 Set it and Forget it: Engineering Investment Habits with FinTech Antonio Gargano, Alberto Rossi Univ. of Houston; Georgetown |
505 The Elusive CAPM: Idiosyncratic News and the Tilt of the Security Market Line Adam Upeniekes University of Calgary |
| 12:10–12:25 | 106 Reclaiming Certainty at the Core of Finance Willi Brammertz, Robert Mark, Allan Mendelowitz, Ralf Kubli Ariadne; Black Diamond; ACTUS Financial Research Foundation; Ariadne, Switzerland |
206 Limits to Arbitrage in Decentralized Finance Balasubramaniam SWAMINATHAN NEOMA Business School |
306 Leader Bias in State Support for Startups Andy Li Univ. of Amsterdam; Dutch Central Bank |
406 Context-Dependent Memory and Disagreement: Evidence from Household Inflation Expectations Yanlin Bao Singapore Management University |
506 Confident Risk Premiums using Machine Learning Uncertainties Rohit Allena University of Houston |
| 12:30–2:00 | Lunch · Panoramic restaurant, 17th floor | ||||
| 2:00–2:15 | 107 Turning Complexity into Scale. The Growth Ceiling No One Sees Coming Jens Riewe aegiron ventures, Germany |
207 Non-native tokens and price discovery Agostino Capponi, Konstantin Sokolov, Jiang Zhang Columbia; Memphis; St. Thomas |
307 Statement on the Digital Euro Christian Grothoff, Özgür Kesim Bern UAS; Code Blau GmbH |
407 — |
507 The Fixed Disposition Effect Qinglin Ouyang, Shumiao Ouyang Stockholm University; Oxford |
| 2:20–2:35 | 108 The Occupational Pension Participation Gap in Germany: Evidence from a Cross-Industry Employee Survey Sebastian Schäfer House of Finance and Tech Berlin, Germany |
208 Buyback Programs for Platform Tokens Rodney Garratt, Maarten van Oordt UC Santa Barbara; VU Amsterdam; Tinbergen |
308 The Design of Central Bank Digital Currencies and Consumer Demand Antonio Gargano, Alberto Rossi, Andrew Buckley, Markos Zachariadis Houston; Georgetown; Manchester |
408 — |
508 Fast Flow in Slow-Moving Market: Leveraged Loan Fund Flow and Real Activity Wing Lam Cheung Univ. of Lausanne; Swiss Finance Institute |
| 2:40–2:55 | 109 Young Early Starters (YES): The platform for young investors Bart Vanhaeren Young Early Starters, Belgium |
209 Dynamics of exchange trading and Blockchain settlement Dominik Roesch University at Buffalo |
309 How Fintech Affects Spending Behavior: Evidence from Tap-to-Pay Ryan Voges University of Utah |
409 — |
509 Asset (and Data) Managers Marco Zanotti Swiss Finance Institute, USI Lugano |
| 3:00–3:15 | 110 From ChatGPT to Financial Signals: Structuring Global News for Real Intelligence Gregor Leban, Jakob Kapus, Yash Bhatnagar Event Registry, Slovenia |
210 Implied Impermanent Loss for Concentrated Liquidity Luca Alberici, Andrew Papanicolaou, Lorenzo Schoenleber Bayes; NC State; Collegio Carlo Alberto |
310 Corporate Liquidity Supply from Non-Bank Intermediaries and the Real Effects of Factoring Henry Zhang, Victor Orestes, Thiago Silva CUHK; Wharton; Central Bank of Brazil/IMF |
410 — |
510 The Social Risks of Generative AI Rex Wang Renjie, Marco Ceccarelli VU Amsterdam; Tinbergen Institute |
| 3:20–3:35 | 111 — |
211 How do Users Gain Influence in Social Networks? Yunming Hui, Stevan Rudinac, Simon Trimborn, Inez Zwetsloot Univ. of Amsterdam; Tinbergen |
311 Multilateral Bank Customer Profiling & Pretesting of Payments Jeremy Sulzbacher Safe Transactions bv, Belgium |
411 — |
511 Newspaper Closures and Trading in Local Stocks Peter Cziraki, Jasmin Gider Texas A&M; ECGI; Tilburg University |
| 3:40–3:55 | 112 Building Cross-Border Crowdfunding Infrastructure in a Fragmented Ecosystem Konstantin Boyko LenderKit, The Netherlands |
212 A Tale of Two Premiums: How Belief Disagreement Twists the Term Structure of Convenience Yield Jiarui Wang, Simeng Li Imperial College London |
312 Exchange Validated Classification of Retail Investors Transactions Haim Kedar-Levy, Joon-Seok Kim, Orit Milo, Yehonatan Tripto, Sean Sehyun Yoo Ben Gurion University; Korea Capital Market Institute; Massey College of Business |
412 — |
512 Firm-Level Input Price Changes and Their Effects: A Deep Learning Approach Sudheer Chava, Wendi Du, Indrajit Mitra, Agam Shah, Linghang Zeng Georgia Tech; Fed Reserve Atlanta; Babson; South Carolina |
| 4:00–4:15 | 113 FNextAcademy: Building the Next Generation of FinTech Talent Through Industry-Led Financial Innovation Education Meital Raviv MERA / Fnext Academy, Israel |
213 Robinhood's Forced Liquidations Diego Amaya, Pedro Angel Garcia Ares, Neil D. Pearson, Aurelio Vasquez Wilfrid Laurier; ITAM Mexico; Univ. of Illinois |
313 — |
413 — |
513 (Every) 15 seconds to alpha: Long/short optimization with EVT Andreas Christopoulos, Joshua Barratt Univ. of Cambridge; Barratt Consulting |
| 4:20–4:50 | Coffee break #2 · Ginger room | ||||
| 4:50–6:00 |
Session 114 · Closing plenary · Vanilla
The Exploring Human · Christo Pirinsky · University of Central Florida, USA
Programming money without programmable money · Michael Lee¹, Antoine Martin² · 1: Federal Reserve Bank of New York; 2: Swiss National Bank Plenary discussion and closing remarks · David Stolin · Future Finance Fest (3f) | ||||
| 6:00–9:00 |
VIP Reception · Sonora Bar · nhow Amsterdam RAI
By invitation · Included with registration
| ||||
nhow Amsterdam RAI is one of Europe's most architecturally striking hotels — a bold statement building at the heart of the RAI Amsterdam convention district. The perfect setting for a conference at the intersection of finance and innovation.
All meals and coffee breaks are included with your registration. Lunch is served in the panoramic restaurant on the 17th floor.
A private year-round space connecting fintech researchers and industry professionals around cutting-edge papers, discussions, and the people shaping the field.
Session rooms: Vanilla · Chili · Wasabi · Coriander · Lavender · Networking breaks: Ginger room
The inaugural 3f took place in Vilnius, Lithuania, 25–27 August 2025. More videos at youtube.com/@3f.events
Amsterdam, The Netherlands · nhow Amsterdam RAI · Day after Money20/20 Europe
