White Papers & Research
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White Papers & Research

Industry white papers and applied research for senior leaders in payments and security.

INDUSTRY WHITE PAPER · EPAA

Quantum-Safe Payments: Why the Payments Industry Must Act Now

· Emerging Payments Association Asia (EPAA)

English · PDF · 18.9 MB · Free download

Quantum computing threatens the cryptographic foundations of financial services. Payments, from real-time to cross-border settlement, rely on protections that quantum computing will eventually render obsolete, and regulators are already treating harvest-now-decrypt-later as a credible present risk. This paper, produced for the Emerging Payments Association Asia, outlines the structural threat post-quantum cryptography poses to payment infrastructure across SWIFT, real-time gross settlement (RTGS) rails and instant payment schemes, and argues for coordinated industry action — starting with cryptographic-asset inventories, PQC migration roadmaps aligned to the NIST FIPS 203/204/205 standards, and crypto-agility built into wholesale payment authentication.

Read the white paper About EPAA

RESEARCH NOTES

Recent research and analysis

Quantum computing circuit board with blue light patterns
RESEARCH NOTE · QUANTUM

Quantum Thresholds Are Moving Again

· Sebastien Rousseau

A new paper suggests Shor's algorithm could run on as few as 10,000 qubits. The threshold for cryptographically relevant quantum computing is dropping fast.

Questions? Answers.

What kind of research and papers do you publish?

Two strands sit side-by-side. Industry white papers, produced for organisations such as the Emerging Payments Association Asia (EPAA), examine structural shifts to payment infrastructure — most recently the impact of cryptographically-relevant quantum computing on wholesale and real-time settlement rails. Applied research papers, published independently, share reproducible engineering work — for example, real-time speech recognition on macOS using OpenAI Whisper and Metal Performance Shaders.

Who is the intended audience?

Heads of payments, CISOs and senior architects in Tier-1 banks, central banks, payment system operators and scheme owners. The applied research is written for engineers and product leaders building on top of large language models, on-device AI, and quantum-resistant cryptography. Each paper assumes domain literacy and skips background that a working professional would already have.

Are the white papers free to read?

The EPAA Quantum-Safe Payments paper is a free public download from emergingpaymentsasia.org. The independent research paper on real-time speech recognition with OpenAI Whisper and Metal Performance Shaders is licensed and available for individual purchase at $49.00 (English, PDF, ~95 KB). One copy per buyer; downloads are personal-use only and may not be redistributed.

May I cite or quote from these papers?

Yes. Short quotations with attribution are welcome under fair-dealing/fair-use norms. For EPAA papers, cite the EPAA as publisher with the working group, year and PDF URL. For the independent research papers, cite as Rousseau, S. (year). Title. Self-published. with the canonical URL. If you'd like to reproduce a figure or extended passage, please get in touch first.

Can I commission a paper or speak at an event?

Yes — limited, by selection. Commissioned work focuses on wholesale payments, ISO 20022 migration, post-quantum cryptography for financial services, and applied AI in banking. Speaking engagements at industry conferences, central-bank fora, and regulator round-tables are considered case-by-case. Use the contact form with the brief, the audience and the timeline.

How do I follow new publications?

New papers and research notes are announced first through the site's RSS feed and the Banking On Quantum newsletter, which covers post-quantum cryptography, central-bank policy, and the migration roadmap across major payment schemes. There is no spam — only new work.