https://sebastienrousseau.com AI, banking and payments expert. Senior payments leader. Applied AI, ISO 20022 migration, wholesale payments and post-quantum cryptography. en Thu, 21 May 2026 06:06:06 +0000 © Copyright 2007 - 2026 - Sebastien Rousseau. All rights reserved. https://sebastienrousseau.com/2026-05-21-best-cloud-infrastructure-architecture-2026 Cloud architecture in 2026 has crystallised around six pillars: AI-native infrastructure, intelligent multi-cloud, serverless-first design with WebAssembly at the edge, edge computing, automated security with crypto-agility, and sustainable high-density operations. For banks, the question is whether to consume cloud or design it — under converging pressure from agentic commerce, agentic unit economics, harvest-now-decrypt-later quantum risk, MCP security and algorithmic contagion, cryptographic agent identity, continuous-treasury demands, and the EU AI Act. https://sebastienrousseau.com/2026-05-21-best-cloud-infrastructure-architecture-2026 Thu, 21 May 2026 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology cloud architecture AI-native infrastructure multi-cloud serverless WebAssembly edge computing DevSecOps liquid cooling agentic commerce agentic unit economics cryptographic agent identity algorithmic contagion synthetic data data gravity continuous treasury graph neural networks HNDL post-quantum cryptography crypto-agility MCP security CloudCDN Cloudflare https://sebastienrousseau.com/2026-05-18-agentic-engineering-banks-blueprint-2026 Agentic AI has crossed from pilot into production across global banking. 70% of institutions are using it to some degree; only one in five has a mature governance model. Meanwhile, autonomous adversaries are operating at machine speed, the legacy COBOL estate the new systems must interoperate with was written for the batch-processing assumptions of the 1960s, and the EU AI Act's August 2026 high-risk deadline is twelve weeks away. This is the engineering and governance position a bank needs to hold. https://sebastienrousseau.com/2026-05-18-agentic-engineering-banks-blueprint-2026 Mon, 18 May 2026 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology agentic engineering spec-driven development banks AI governance EU AI Act DORA COBOL modernisation autonomous agents HITL HOTL TPRM AIBOM Claude Code post-quantum cryptography https://sebastienrousseau.com/2026-05-15-blackrock-brsrv-bstbl-genius-act-tokenised-mmf Stablecoins cannot pay yield under the GENIUS Act. On 8 May 2026, BlackRock filed two SEC registrations for products that solve this constraint by being regulated as money market funds rather than stablecoins — while behaving, in the wallet, like yield-bearing dollars. A close reading of BRSRV, BSTBL, and the OCC rulemaking they respond to. https://sebastienrousseau.com/2026-05-15-blackrock-brsrv-bstbl-genius-act-tokenised-mmf Fri, 15 May 2026 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Payments BlackRock BRSRV BSTBL BUIDL GENIUS Act OCC stablecoin tokenised money market fund Securitize BNY Mellon ERC-20 Ethereum payments regulation https://sebastienrousseau.com/resources-pacs008-checklist Free PDF: 23-point structured-address migration checklist for the November 2026 pacs.008 deadline. Built from EPAA, SWIFT and CBPR+ guidance. Drop your email; I'll send the link. https://sebastienrousseau.com/resources-pacs008-checklist Fri, 15 May 2026 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Resources ISO 20022 pacs.008 structured address CBPR+ deadline checklist https://sebastienrousseau.com/2026-05-14-securing-the-ledger-post-quantum-migration-corporate-finance Quantum risk has moved from research curiosity to active regulatory mandate. With the G7 roadmap published in January 2026, the EU, UK, and ASD timelines clarified, and the BIS Project Leap proving feasibility at the central-bank level, the question for boards is no longer whether to migrate — it is whether the migration can be completed before the cryptographic shelf-life of today's data expires. https://sebastienrousseau.com/2026-05-14-securing-the-ledger-post-quantum-migration-corporate-finance Thu, 14 May 2026 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Quantum post-quantum cryptography PQC corporate banking G7 CEG BIS Project Leap ML-KEM ML-DSA NCSC ASD CNSA 2.0 harvest now decrypt later Mosca equation crypto-agility hybrid cryptography https://sebastienrousseau.com/2026-05-12-iso-20022-pacs008-structured-address-deadline From November 2026, SWIFT CBPR+ requires structured postal addresses in cross-border payment messages. Unstructured address lines (AdrLine alone) will no longer be accepted for key party fields in pacs.008. At minimum, TwnNm and Ctry are required, with StrtNm and BldgNb or PstBx recommended. With six months to go, 65% of payment messages still contain unstructured addresses and 44% of banks remain behind schedule. https://sebastienrousseau.com/2026-05-12-iso-20022-pacs008-structured-address-deadline Tue, 12 May 2026 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Payments ISO 20022 pacs.008 CBPR+ structured address SWIFT cross-border payments sanctions screening FI-to-FI credit transfer payments compliance pacs008.com https://sebastienrousseau.com/2026-05-11-lucy-besson-knowledge-transfer-ai-quantum/index.html Twelve years on, Besson's Lucy reads like a thought experiment about knowledge migrating from flesh to machine — quietly validated by LLMs and qubits. https://sebastienrousseau.com/2026-05-11-lucy-besson-knowledge-transfer-ai-quantum/index.html Mon, 11 May 2026 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Lucy Luc Besson Scarlett Johansson artificial intelligence quantum computing neutral atoms LLMs transhumanism mind uploading brain-computer interfaces posthumanism film philosophy https://sebastienrousseau.com/2026-04-11-quantum-thresholds-are-moving-again Shor's algorithm may now run on as few as 10,000 qubits. RSA, ECC and the timeline for post-quantum migration are all moving up. Here's why. https://sebastienrousseau.com/2026-04-11-quantum-thresholds-are-moving-again Thu, 11 Apr 2026 06:06:06 +0000 Technology quantum computing Shor's algorithm post-quantum cryptography RSA elliptic curve neutral atoms error correction cryptographic agility quantum threat payments security https://sebastienrousseau.com/2025-09-01-quantum-safe-payments-epaa Quantum computing threatens payment system cryptography. The EPAA white paper outlines the structural risk and the urgent case for PQC migration. https://sebastienrousseau.com/2025-09-01-quantum-safe-payments-epaa Mon, 01 Sep 2025 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology quantum-safe payments post-quantum cryptography payments security EPAA ISO 20022 SWIFT SEPA https://sebastienrousseau.com/articles Insights on applied AI, post-quantum cryptography, ISO 20022 payments, Rust and Python from a senior banking technologist. Read research now. https://sebastienrousseau.com/articles Mon, 15 Apr 2024 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Sample Rust static site generator ssg dynamic websites HTML themes templates Markdown YAML JSON TOML https://sebastienrousseau.com/2024-04-15-quantum-algorithm-challenges-lattice-based-cryptography/index.html A new polynomial-time quantum algorithm by Yilei Chen targets lattice-based cryptography. Implications for post-quantum standards including CRYSTALS-Kyber. https://sebastienrousseau.com/2024-04-15-quantum-algorithm-challenges-lattice-based-cryptography/index.html Mon, 15 Apr 2024 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology quantum algorithms cryptography lattice problems LWE post-quantum security research innovation cybersecurity future-proofing https://sebastienrousseau.com/2024-04-22-bug-discovered-in-quantum-algorithm-for-lattice-based-crypto/index.html A bug in Yilei Chen's quantum LWE algorithm temporarily reprieves lattice-based cryptography. What it means for CRYSTALS-Kyber, Dilithium and the PQC roadmap. https://sebastienrousseau.com/2024-04-22-bug-discovered-in-quantum-algorithm-for-lattice-based-crypto/index.html Mon, 15 Apr 2024 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Post-Quantum Cryptography NIST PQC Standardisation Quantum Algorithm Lattice-Based Cryptography LWE Problem Quantum Computing Cryptographic Security Quantum Resistance Cryptography Research https://sebastienrousseau.com AI, banking and payments expert. Senior payments leader. Applied AI, ISO 20022 migration, wholesale payments and post-quantum cryptography. https://sebastienrousseau.com Mon, 15 Apr 2024 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology banking financial services artificial intelligence post-quantum cryptography blockchain technology transformation innovation technology future Sebastien Rousseau https://sebastienrousseau.com/2024-04-01-openvoice-leading-innovation-in-voice-cloning-technology/index.html OpenVoice from MIT, Tsinghua and MyShell: production-grade voice cloning with tone, accent and emotion control — and the trade-offs worth knowing. https://sebastienrousseau.com/2024-04-01-openvoice-leading-innovation-in-voice-cloning-technology/index.html Mon, 01 Apr 2024 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology OpenVoice Voice Cloning Synthetic Speech Open-Source Cross-Lingual Instant Cloning Voice Control Accessibility Entertainment Customer Service https://sebastienrousseau.com/projects Open-source Python and Rust libraries for ISO 20022 payments, post-quantum cryptography and financial data. Apache-2.0 / MIT, free to use. https://sebastienrousseau.com/projects Mon, 01 Apr 2024 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Artificial Intelligence Voice Assistant Audio Analysis Quantum Computing Quantum Cryptography CRYSTALS-Kyber ISO 20022 Payment Automation Bank Statement Parsing Finance Rust Static Site Generator Web Development Password Generation Cryptography Rust Library Logging Serialization YAML Mersenne Twister https://sebastienrousseau.com/2024-03-25-fully-homomorphic-encryption-in-a-banking-quantum-era/index.html Explore how Fully Homomorphic Encryption revolutionises data security in Banking and the Financial Industry, ensuring privacy against quantum computing threats. https://sebastienrousseau.com/2024-03-25-fully-homomorphic-encryption-in-a-banking-quantum-era/index.html Mon, 25 Mar 2024 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology FHE Banking Quantum Computing Data Security Encryption Financial Technology Regulatory Compliance Computational Overhead Research Data Privacy https://sebastienrousseau.com/2024-03-18-advancing-ai-with-multimodal-llms-insights-from-mm1/index.html Explore Apple's MM1 paper on Multimodal Large Language Models (MLLMs). Learn about their architecture, pre-training strategies, and AI potentials. https://sebastienrousseau.com/2024-03-18-advancing-ai-with-multimodal-llms-insights-from-mm1/index.html Mon, 18 Mar 2024 06:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Multimodal LLMs AI MM1 Pre-training Image Recognition NLP Future Learning Research https://sebastienrousseau.com/papers Buy and Download copies of my collection of White Papers and Research Publications on Artificial Intelligence (AI), Quantum Cryptography, and more. https://sebastienrousseau.com/papers Tue, 12 Mar 2024 21:21:21 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology White Papers Research Technology ASR OpenAI macOS Speech Recognition GPU Acceleration Publications https://sebastienrousseau.com/2024-03-12-revolutionising-real-time-speech-recognition-on-macos-with-openai-whisper/index.html Explore how OpenAI Whisper and Metal Performance Shaders are transforming real-time speech recognition on macOS, offering unparalleled speed and accuracy. https://sebastienrousseau.com/2024-03-12-revolutionising-real-time-speech-recognition-on-macos-with-openai-whisper/index.html Tue, 12 Mar 2024 21:21:21 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology OpenAI Whisper Metal macOS Speech Real-Time Transcription GPU Python Silicon https://sebastienrousseau.com/2024-03-08-rustlogs-advanced-logging-library-for-rust-applications/index.html Discover RustLogs (RLG), the flexible logging library for Rust with structured log formats, asynchronous logging, and extensive customisation options. https://sebastienrousseau.com/2024-03-08-rustlogs-advanced-logging-library-for-rust-applications/index.html Fri, 08 Mar 2024 06:06:06 +0100 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Rust Logging Asynchronous Structured Customisable Debugging Development RustLogs Integration Documentation https://sebastienrousseau.com/2024-03-04-le-chat-by-mistral-ai-a-new-era-in-conversational-ai/index.html Meet Mistral AI's new multilingual Assistant. An advanced AI that can understand and respond in multiple languages, all in one conversation and in real-time. https://sebastienrousseau.com/2024-03-04-le-chat-by-mistral-ai-a-new-era-in-conversational-ai/index.html Mon, 04 Mar 2024 06:06:06 +0100 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Le Chat Mistral AI Conversational AI Multilingual Customisation Business AI Chatbot AI Models Enterprise Solutions Technology https://sebastienrousseau.com/2024-02-26-google-gemma-ai-transforming-open-source-ai-development/index.html Explore Google's Gemma AI Model: An open-source project offering ethical AI solutions for both personal and enterprise use. https://sebastienrousseau.com/2024-02-26-google-gemma-ai-transforming-open-source-ai-development/index.html Mon, 26 Feb 2024 06:06:06 +0100 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Gemma Google AI Open-Source Technical Enterprise Integration macOS Data Ethics https://sebastienrousseau.com/2024-02-19-unlocking-gemini-google-ai-revolution-explained/index.html Gemini 1.5 from Google scales context windows past 1M tokens. What that unlocks for retrieval-augmented finance and the trade-offs worth knowing. https://sebastienrousseau.com/2024-02-19-unlocking-gemini-google-ai-revolution-explained/index.html Mon, 19 Feb 2024 14:15:15 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Gemini 1.5 Google AI AI Efficiency AI Quality Context Window In-Context Learning AI Use Cases AI Revolution Technology Transformation Data Analysis https://sebastienrousseau.com/2024-02-13-eus-ai-act-shaping-the-future-of-global-ai-regulation/index.html The EU AI Act sets the first comprehensive framework for ethical, risk-tiered AI regulation worldwide. What changes for banks, vendors and high-risk systems. https://sebastienrousseau.com/2024-02-13-eus-ai-act-shaping-the-future-of-global-ai-regulation/index.html Tue, 13 Feb 2024 14:15:15 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology EU AI Regulation Ethics Innovation Transparency Governance Standards Consumer Rights Technology https://sebastienrousseau.com/2024-02-12-akande-voice-assistant-revolutionising-personal-and-executive-assistance/index.html Discover how Àkàndé leverages OpenAI GPT's natural language understanding, PDF summaries, and efficient caching to redefine personal and executive assistance. https://sebastienrousseau.com/2024-02-12-akande-voice-assistant-revolutionising-personal-and-executive-assistance/index.html Mon, 12 Feb 2024 11:12:12 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Àkàndé Voice Assistant NLU PDF Caching OpenAI Executive Personal Digital Innovation Python SQLite Privacy https://sebastienrousseau.com/2024-02-08-revolutionising-advertising-how-ai-shapes-the-future/index.html Explore how AI transforms advertising with insights on Amazon's Rufus and Meta's latest developments. Discover the impact on consumer engagement https://sebastienrousseau.com/2024-02-08-revolutionising-advertising-how-ai-shapes-the-future/index.html Thu, 08 Feb 2024 07:08:08 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology AI Advertising Amazon Meta Chatbots Marketing Technology Analytics Digital Optimization https://sebastienrousseau.com/2024-01-29-ai-powered-audio-insights-analysis-translations/index.html Explore how Audio Analyser, powered by Azure AI, transforms speech-to-text conversion, text analysis, and translations for actionable insights. https://sebastienrousseau.com/2024-01-29-ai-powered-audio-insights-analysis-translations/index.html Mon, 29 Jan 2024 05:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Azure AI Analytics Transcription Translation Insights Speech Recognition Data Processing Machine Learning Technology https://sebastienrousseau.com/2024-01-23-advancements-in-ai-prompt-engineering/index.html Explore the 2024 advancements in AI Prompt Engineering, uncovering innovative trends and techniques revolutionising tech and finance sectors. https://sebastienrousseau.com/2024-01-23-advancements-in-ai-prompt-engineering/index.html Tue, 23 Jan 2024 05:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology AI Engineering Quantum Ethics Technology Innovation Trends Computing Finance Education https://sebastienrousseau.com/accessibility This statement explains the accessibility of our website, what we are doing to address it, and how to contact us about web accessibility. https://sebastienrousseau.com/accessibility Mon, 15 Jan 2024 05:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology accessibility wcag inclusivity screen-reader usability web-design ada compliance ux design color-blindness assistive-tech https://sebastienrousseau.com/made-with-shokunin The Static Site Generator (SSG) is a lightning-fast tool for Search Engine Optimisation (SEO) and compliance to Accessibility Standards. https://sebastienrousseau.com/made-with-shokunin Mon, 15 Jan 2024 05:06:06 +0000 Sebastian Rousseau Software, Static Site Generator, Rust website builder SEO accessibility Static Site Generator easy fast secure reliable free https://sebastienrousseau.com/made-with-static-site-generator/ Static Site Generator is a Rust-based static site generator built for performance, accessibility and SEO. Lightning-fast builds with first-class JSON-LD. https://sebastienrousseau.com/made-with-static-site-generator/ Mon, 15 Jan 2024 05:06:06 +0000 Sebastian Rousseau Software, Static Site Generator, Rust website builder SEO accessibility Static Site Generator easy fast secure reliable free https://sebastienrousseau.com/2024-01-08-optimising-credit-ratio-analysis-with-ibm-qiskit-and-quantum-fourier-transform/index.html Explore how IBM Qiskit and Quantum Fourier Transform revolutionise credit ratio analysis in finance, offering unprecedented accuracy and speed. https://sebastienrousseau.com/2024-01-08-optimising-credit-ratio-analysis-with-ibm-qiskit-and-quantum-fourier-transform/index.html Mon, 08 Jan 2024 05:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Qiskit Quantum Computing Credit Analysis FinTech QFT Risk Management Finance Data Science Algorithm Quantum Technology https://sebastienrousseau.com/2024-01-15-alien-studio-revolutionising-art-with-ai-photography/index.html Join me on my personal journey from Rust, AI, and Quantum Computing to redefining art and photography through Alien Studio. https://sebastienrousseau.com/2024-01-15-alien-studio-revolutionising-art-with-ai-photography/index.html Mon, 08 Jan 2024 05:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Technology Art Photography Rust AI Quantum Computing Personal Journey Alien Studio Digital Art Innovation https://sebastienrousseau.com/2024-01-01-ai-trends-2024-insights-and-predictions-for-the-future/index.html AI trends for 2024: generative AI in finance, multimodal models, on-device LLMs and the shifts that will reshape banking and product engineering. https://sebastienrousseau.com/2024-01-01-ai-trends-2024-insights-and-predictions-for-the-future/index.html Mon, 01 Jan 2024 05:06:06 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology AI 2024 Trends Generative Cybersecurity Education Retail Ethics Analytics Innovation https://sebastienrousseau.com/2023-12-25-revolutionising-finance-with-ai-enhanced-quantum-algorithms/index.html Explore the transformative role of AI in quantum algorithms for finance, with a focus on their mathematical intricacies and banking applications. https://sebastienrousseau.com/2023-12-25-revolutionising-finance-with-ai-enhanced-quantum-algorithms/index.html Mon, 25 Dec 2023 06:07:07 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology Quantum AI Finance Algorithms Mathematics Banking Technology Innovation Data Efficiency https://sebastienrousseau.com/2023-12-18-state-of-ai-and-quantum-computing-in-banking-a-2023-review/index.html Exploring 2023's Technological Landscape: AI & Quantum Computing Revolutionising Banking, Rising Open-Source Models, and Evolving Regulations & Governance 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https://sebastienrousseau.com/2023-12-04-mastering-date-and-time-in-rust-with-the-dtt-library/index.html DateTime (DTT) is a Rust library for parsing, validating, manipulating and formatting dates and times — high precision, broad functionality. https://sebastienrousseau.com/2023-12-04-mastering-date-and-time-in-rust-with-the-dtt-library/index.html Mon, 04 Dec 2023 09:00:00 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology DateTime DTT Rust date library time library timezone handling chrono alternative ISO 8601 time formatting Sebastien Rousseau https://sebastienrousseau.com/2023-11-28-kyberlib-a-rust-powered-shield-against-quantum-threats/index.html A Robust and Quantum-Safe Cryptography Implementation of the CRYSTALS-Kyber Algorithm, to Protect Your Data from Quantum Threats and Cryptanalytic Attacks. https://sebastienrousseau.com/2023-11-28-kyberlib-a-rust-powered-shield-against-quantum-threats/index.html Sun, 19 Nov 2023 09:59:00 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology KyberLib Rust CRYSTALS-Kyber post-quantum cryptography lattice-based cryptography key encapsulation mechanism quantum-resistant NIST PQC libsignal cryptographic library https://sebastienrousseau.com/2023-11-19-crystals-kyber-the-safeguarding-algorithm-in-a-quantum-age/index.html Discover how CRYSTALS-Kyber, a quantum-resistant cryptography algorithm, is revolutionising the world of cryptography and preparing us for the quantum era. https://sebastienrousseau.com/2023-11-19-crystals-kyber-the-safeguarding-algorithm-in-a-quantum-age/index.html Sun, 19 Nov 2023 09:59:00 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology quantum CRYSTALS-Kyber encryption security banking finance data future quantum-resistant cryptography https://sebastienrousseau.com/2023-11-12-exploring-generative-ai/index.html Explore Generative AI in 2023: how it works, where it lands first in financial services, and the ethical and 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HSH uses quantum-resistant cryptographic primitives to protect your data, ensuring its security even in the face of future quantum computing advances. https://sebastienrousseau.com/2023-10-16-protecting-data-in-the-quantum-age-the-hash-library-hsh/index.html Fri, 27 Oct 2023 05:13:00 +0000 contact@sebastienrousseau.com (Sebastien Rousseau) Technology quantum-resistant cryptography post-quantum cryptography hash library HSH password hashing key derivation Argon2i Bcrypt Scrypt quantum computing https://sebastienrousseau.com/2023-10-26-libmake-a-code-generator-to-reduce-repetitive-tasks-and-build-high-quality-rust-libraries/index.html Boost Rust library development with LibMake: A code generator tool that enforces best practises and generates initial code, saving developers time and effort. https://sebastienrousseau.com/2023-10-26-libmake-a-code-generator-to-reduce-repetitive-tasks-and-build-high-quality-rust-libraries/index.html Thu, 26 Oct 2023 11:21:00 +0000 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