White Papers & Research

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.

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.

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.

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.

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.

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.