The International Conference for Research and Studies in Finance (ICRSF), launched 3 years ago, aims to bring together academic researchers, professionals, experts and other specialists from Morocco and around the World. This is to promote a constructive exchange about “sustainable finance, fintech, blockchain, collaborative finance and financial inclusion” both from theorical and application perspectives. The main objective is to promote exchange of views, thoughts and visions on a topic of critical importance in the current context. In its third edition, the conference will emphasize on the changes in finance under new technologies environment and their negative social and ecological consequences, which highlight with the sustainability questions. It comes also to identify issues and challenges, to promote the confrontation of analyzes and thinking around common issues, and to encourage reflection on the evolution of the principles and practices of finance, and various levers of its foundations. This conference also sets other goals, like as:- Explore the current prospects and analyze the foundations of the new practices in finance;- Build relationships with colleagues specialized in all aspects of fintech and blockchain;- Advance research in the area of responsible finance and collaborative finance;- Discuss the principles of ethics and morals in modern finance;- Conduct reflections about the finance in order to serve society Topics of the conference (but are not limited) Track 1: Sustainable and responsible financeCoordinator: Mimoun BENALI, Professor at the Sidi Mohamed Ben Abdellah University of Fez.1.1. Sustainable and responsible finance: issues and perspectives1.2. Degree of financial market integration of sustainable and responsible finance1.3. Performance of ethical funds versus conventional funds1.4. Green and ecological finance1.5. Fair finance and solidarity finance1.6. Mobilization of long-term savings and intergenerational social inclusion. Track 2: Blockchain and financial services transformationCoordinator: Abdelhamid EL BOUHADI, Professor at the Sidi Mohamed Ben Abdellah University of Fez.2.1. Origins and foundations of blockchains2.2. Blockchain, internet security and distributed networks2.3. Blockchain, mining and the future of cryptocurrencies2.4. Issues and applications of blockchains2.5. Bitcoin security2.6. Smart contracts2.7. Blockchain, capital markets and settlement systems2.8. Blockchain and financial inclusion2.9. Blockchain and collaborative and participative funding2.10. Regulation of cryptocurrencies and digital transactions. Track 3: Finance facing the principles of ethics and moralityCoordinators: Abdellatif TAGHZOUTI and Youssef FAHMI, Professors at the Sidi Mohamed Ben Abdellah University of Fez.3.1. Financial market innovations and transaction security3.2. Trading Techniques and Moral Principles and Ethics of Brokerage Trades3.3. Regulation of market activity versus ethical and moral education of actors3.4. Ideological, economic and religious underpinnings of Islamic finance3.5. Islamic finance and sustainability issues3.6. Finance in accordance with religious precepts and financial inclusion. Track 4: Finance and sharing economyCoordinator: Djamchid ASSADI, Professor at the Burgundy School of Business, Bourgogne University, French.4.1. PEP Platforms: challenges and opportunities4.2. Foundations of the Sharing Economy and Innovation Paradigms4.3. Collaborative consumption and innovative business models4.4. Collaborative Finance and stakeholder strategies4.5. Digital transformation of financial services4.6. New technologies, entrepreneurship and collaborative finance4.7. Crowdfunding and financial inclusion4.8. Governance and financing of young innovative companies. Track 5: Finance at the time of fintechCoordinators: Hicham SADOK and Ezzahid ELHADJ, Professors at the Mohamed-V University of Rabat.5.1. Fintech market5.2. Challenges, risks and opportunities of fintech5.3. Governance of fintech5.4. Fintech and moralization of public life5.5. Fintech and financial inclusion5.6. Fintech and sustainability. Track 6: Taxation, equity and ethicsCoordinator: Mohamed NMILI and Mohammed ABDELLAOUI, Professors at the Sidi Mohamed Ben Abdellah University of Fez.6.1. Challenges of reforming taxation in developing countries6.2. Tax ethics, governance and sustainability issues6.3. Tax transparency and associated risks6.4. Fight against tax havens6.5. Financial crime and tax evasion.