Opening remarks and 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, United States of America

Building Better FinTech: The Academic Edge

Antonio Gargano

University of Houston, United States of America

Digital Ownership: The Tokenization of Real-World Assets

GILLES CHEMLA¹, KATRIN TINN²

1: Imperial Business School, CNRS, and CEPR; 2: McGill University

Access Was Solved. Understanding Wasn't. Building the Interpretation Layer for Modern Fintech.

Amr Mohamed

NEUMETRIA, United States of America

From Static Rails to Living Networks: Intelligence-Driven Cross-Border Settlements

Adam Swartzbaugh, Yunus Sevimli

Almond FinTech, United States of America

From Traditional Infrastructure to Collaborative Networks: Cross-Border Payments with Tokenized Deposits

Sofi Hakanson

Centiglobe, Sweden

From Remittances to Resilience: Interoperable Payments for Rural Inclusion in Latin America

Sabine Schaller

Interledger Foundation, USA

Deepening the Secondary Market: Integrating Trade Credit into Market Clearing with the Cycles Protocol

Tomaž Fleischman, Ethan Buchman

Cycles Protocol SA, Switzerland

Reclaiming Certainty at the Core of Finance

Willi Brammertz¹, Robert Mark², Allan Mendelowitz³, Ralf Kubli⁴

1: Ariadne, Switzerland; 2: Black Diamond; 3: ACTUS Financial Research Foundation; 4: Ariadne, Switzerland

Turning Complexity into Scale. The Growth Ceiling No One Sees Coming

Jens Riewe

aegirion ventures, Germany

The Occupational Pension Participation Gap in Germany: Evidence from a Cross-Industry Employee Survey

Sebastian Schäfer

House of Finance and Tech Berlin, Germany

Young Early Starters (YES): The platform for young investors

Bart Vanhaeren

Young Early Starters, Belgium

From ChatGPT to Financial Signals: Structuring Global News for Real Intelligence

Gregor Leban, Jakob Kapus, Yash Bhatnagar

Event Registry, Slovenia

Multilateral Bank Customer Profiling & Pretesting of Payments

Jeremy Sulzbacher

Safe Transactions bv, Belgium

Building Cross-Border Crowdfunding Infrastructure in a Fragmented Ecosystem

Konstantin Boyko

LenderKit, the Netherlands

FNextAcademy: Building the Next Generation of FinTech Talent Through Industry-Led Financial Innovation Education

Meital Raviv

MERA/ Fnext Academy, Israel

Programming money without programmable money

Michael Lee¹, Antoine Martin²

1: Federal Reserve Bank of New York; 2: Swiss National Bank

The Exploring Human

Christo Pirinsky

University of Central Florida, United States of America

Plenary discussion and closing remarks

David Stolin

Future Finance Fest (3f), United States of America

Stablecoins Activity: Use and Misuse

Gregory Gadzinski, Jean-Michel Maeso, Alessio Castello, Vito Liuzzi

International University of Monaco, Monaco

Market Efficiency in Prediction Markets - A Comparison with Derivatives

Michele Fabi¹, Roberto Marfe², Vittorio Ruffo³, Lorenzo Schoenleber²

1: Telecom Paris; 2: Collegio Carlo Alberto, Italy; 3: Frankfurt School of Finance and Management

On Bubbles in Cryptocurrency Prices

Maarten van Oordt

Vrije Universiteit Amsterdam

Do Cryptocurrency Investors care about Quantum Risks?

Louis Bertucci¹, Hossein Jahanshahloo², Stefan Scharnowski³

1: Institut Louis Bachelier, Paris, France; 2: Alliance Manchester Business School, The University of Manchester, UK; 3: University of Mannheim, Germany

How Do Flash Loans Affect Market Liquidity?

Simeng Li

Imperial College London

Limits to Arbitrage in Decentralized Finance

Balasubramaniam SWAMINATHAN

NEOMA Business School, France

Non-native tokens and price discovery

Agostino Capponi¹, Konstantin Sokolov², Jiang Zhang³

1: Columbia University; 2: University of Memphis; 3: University of St. Thomas

Buyback Programs for Platform Tokens

Rodney Garratt¹, Maarten van Oordt^2,3

1: University of California, Santa Barbara; 2: Vrije Universiteit Amsterdam; 3: Tinbergen Institute

Dynamics of exchange trading and Blockchain settlement

Dominik Roesch

University at Buffalo

Implied Impermanent Loss for Concentrated Liquidity

Luca Alberici¹, Andrew Papanicolaou², Lorenzo Schoenleber³

1: Bayes Business School; 2: North Carolina State University; 3: Collegio Carlo Alberto

How do Users Gain Influence in Social Networks?

Yunming Hui¹, Stevan Rudinac¹, Simon Trimborn^1,2, Inez Zwetsloot¹

1: University of Amsterdam, Netherlands, The; 2: Tinbergen Institute

A Tale of Two Premiums: How Belief Disagreement Twists the Term Structure of Convenience Yield

Jiarui Wang, Simeng Li

Imperial College London, United Kingdom

Robinhood’s Forced Liquidations

Diego Amaya¹, Pedro Angel Garcia Ares², Neil D. Pearson³, Aurelio Vasquez⁴

1: Wilfrid Laurier University; 2: ITAM, Mexico; 3: University of Illinois at Urbana-Champaign; 4: ITAM, Mexico

GenAI-Based Index of Financial Constraints

Bektemir Ysmailov

Nazarbayev University

Does Corporate Production of AI Innovation Create Value?

Ali Ahmadi¹, Ambrus Kecskes¹, Roni Michaely², Anh Nguyen³

1: Schulich School of Business at York University; 2: HKU Business School and ECGI; 3: School of Administrative Studies at York University

Regulatory Divergence and Bank Capital Flows

Lucas Cisneros¹, Bryan Gutierrez²

1: Superintendencia de Banca, Seguros y AFPs; 2: University of Minnesota

Technology, Online Banks, and Credit Market Segmentation

Rachel J. Nam

USI Lugano & Swiss Finance Institute, Switzerland

Banking competition and regulation with diverse business models

Peter Eccles¹, Paolo Siciliani¹, Paul Grout², Ania Zalewska³

1: Bank of England. UK; 2: University of Bristol, UK; 3: University of Leicester, UK

Leader Bias in State Support for Startups

Andy Li^1,2

1: University of Amsterdam, Netherlands, The; 2: Dutch Central Bank, The

Statement on the Digital Euro

Christian Grothoff¹, Özgür Kesim²

1: Bern University of Applied Sciences; 2: Code Blau GmbH

The Design of Central Bank Digital Currencies and Consumer Demand

Antonio Gargano¹, Alberto Rossi², Andrew Buckley³, Markos Zachariadis³

1: University of Houston, United States of America; 2: Georgetown University, United States of America; 3: University of Manchester, UK

How Fintech Affects Spending Behavior: Evidence from Tap-to-Pay

Ryan Voges

University of Utah, United States of America

Corporate Liquidity Supply from Non-Bank Intermediaries and the Real Effects of Factoring

Henry Zhang¹, Victor Orestes², Thiago Silva³

1: CUHK; 2: Wharton School, University of Pennsylvania; 3: Central Bank of Brazil / IMF

Measuring the Performance of International Financial Centers

Jochen Biedermann

World Alliance of International Financial Centers, Belgium

Exchange Validated Classification of Retail Investors Transactions

Haim Kedar-Levy¹, Joon-Seok Kim², Orit Milo¹, Yehonatan Tripto¹, Sean Sehyun Yoo³

1: Ben Gurion University, Israel; 2: Korea Capital Market Institute, Seoul, Korea; 3: The Massey College of Business, Belmont University, Nashville, Tennessee, U.S.A

The geographic origins of blockchain transactions

Simon Trimborn

University of Amsterdam, Netherlands, The

The Rise of Algorithmic Retail Option Traders

Diego Amaya¹, Pedro Angel Garcia Ares², Neil D. Pearson³, Aurelio Vasquez⁴

1: Wilfrid Laurier University; 2: ITAM, Mexico; 3: University of Illinois at Urbana-Champaign; 4: ITAM, Mexico

Pump and Dump: Price Manipulation in Experimental Markets

Brian Kluger, Mehmet Saglam

University of Cincinnati, United States of America

The Evolving Credibility of Stories

Alyssa Rusonik

HEC Paris, France

Algorithmic Persuasion - Financial advice in the age of AI

Mads Nielsen, Labrini Zarpala

Utrecht University, Netherlands, The

Set it and Forget it: Engineering Investment Habits with FinTech

Antonio Gargano¹, Alberto Rossi²

1: University of Houston, United States of America; 2: Georgetown Univesity, United States of America

Context-Dependent Memory and Disagreement: Evidence from Household Inflation Expectations

Yanlin Bao

Singapore Management University, Singapore

Making Agents Remember: Approaches, Challenges, and the Promise of Long-Term Agentic Memory

Jasper Ginn

Xebia Data

Your body and mind know before your trading account does

Aleksandar Protić, Toni Biočić

TradeZen Analytica Inc., Serbia

Private Market Intelligence at Scale: How CB Insights Tracks Fintech and Digital Asset Trends

Aisha Chandraker

CB Insights, United States of America

The Blueprint for a Fintech Unicorn: Disrupting European SME Credit via Automated Real-Time Underwriting Architecture

Sagi Grinnfeld Sagi Grinnfeld

NapoLoan, Israel

The Global Latent Risk Factor in Corporate Debt Distress: Frailty and Spillover Effects

Yanru Lee

The Hoover Institution, Stanford University, United States of America

Re(Visiting) Time Series Foundation Models in Finance

Eghbal Rahimikia¹, Hao Ni², Weiguan Wang³

1: Alliance Manchester Business School, United Kingdom; 2: University College London (UCL), United Kingdom; 3: Shanghai University, China

Reassessing Sparse Signals in the Cross-Section of Returns

Dominik Roesch¹, Yihe Yu²

1: The State University of New York at Buffalo; 2: Rensselaer Polytechnic Institute

Hard to Process: Atypical Firms and the Cross-Section of Expected Stock Returns

Sebastian Weibels

University of Cologne, Germany

The Elusive CAPM: Idiosyncratic News and the Tilt of the Security Market Line

Adam Upenieks

University of Calgary, Canada

Confident Risk Premiums and Investments using Machine Learning Uncertainties

Rohit Allena

University of Houston, United States of America

The Fixed Disposition Effect

Qinglin Ouyang¹, Shumiao Ouyang²

1: Stockholm University, Sweden; 2: Saïd Business School, University of Oxford

Fast Flow in Slow-Moving Market: Leveraged Loan Fund Flow and Real Activity

Wing Lam Cheung^1,2

1: University of Lausanne; 2: Swiss Finance Institute

Asset (and Data) Managers

Marco Zanotti

Swiss Finance Institute, USI Lugano, Switzerland

The Social Risks of Generative AI

Rex Wang Renjie^1,2, Marco Ceccarelli¹

1: Vrije Universiteit (VU) Amsterdam, Netherlands, The; 2: Tinbergen Institute

Newspaper Closures and Trading in Local Stocks

Peter Cziraki^1,2, Jasmin Gider³

1: Texas A&M University; 2: European Corporate Governance Institute; 3: Tilburg University

Firm-Level Input Price Changes and Their Effects: A Deep Learning Approach

Sudheer Chava¹, Wendi Du², Indrajit Mitra³, Agam Shah¹, Linghang Zeng⁴

1: Scheller College of Business, Georgia Institute of Technology; 2: University of South Carolina; 3: Federal Reserve Bank of Atlanta, United States of America; 4: Babson College

(Every) 15 seconds to alpha: Long/short optimization with EVT

Andreas Christopoulos¹, Joshua Barratt²

1: University of Cambridge, United Kingdom; 2: Barratt Consulting