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
Quantum Computing · Shor'S Algorithm · Post-Quantum Cryptography

Iyakar Quantum Suna Matsawa: Hatsarin Shor na 10,000-Qubit

· Sebastien Rousseau

Sabuwar takarda tana ba da shawarar cewa Shor's algorithm na iya gudana akan qubits 10,000 kawai. Iyakar quantum computing mai dacewa da cryptography tana raguwa da sauri fiye da yadda yawancin mutane suka zata.

Network of digital nodes in red and blue hues
Post-Quantum Cryptography · NIST · Quantum Algorithms

Quantum Lattice Crypto: Kuskure a cikin Harin LWE na Chen

· Sebastien Rousseau

Bayan labarina na baya-bayan nan game da [Kalubale a Cikin Algorithms Na Quantum Domin Lattice-Based Cryptography][00], ina jin tilas in ba da sabuntawa game da sabbin abubuwan da suka faru a cikin [binciken Yilei Chen…

Network nodes in a digital blue space
Quantum Algorithms · Cryptography · Lattice Problems

Quantum Algorithm Yana Kalubalantar Lattice-Based Cryptography

· Sebastien Rousseau

Wannan labarin ya yi bayani dalla-dalla kan aikin [Yilei Chen ⧉][00], wanda ya ɓullo da wani polynomial-time quantum algorithm wanda zai iya yin tasiri sosai ga wuyar matsalar lissafi ta Learning With Errors (LWE)…

Banner for Fully Homomorphic Encryption
FHE · Banking · Quantum Computing

Fully Homomorphic Encryption (FHE) a Zamanin Quantum na Harkar Banki

· Sebastien Rousseau

Fully Homomorphic Encryption (FHE) ya yi alkawarin sake bayyana tsaron bayanai a cikin Banking da Masana'antar Kudi. Ta hanyar ba da damar lissafi akan bayanan da aka ɓoye, FHE yana kiyaye sirri daga barazanar gargajiya da na quantum computing.

A quantum computer room
Qiskit · Quantum Computing · Credit Analysis

Qiskit & Quantum Fourier Transform don Binciken Credit Ratio

· Sebastien Rousseau

Ka yi tunanin an rasa lamuni wanda da za a iya hasashen sa. Mai karbar bashi wanda ake ganin yana da karancin hadari ya kasa biya, wanda ya bar banki yana fama da asarar da ba a zata ba. Wannan yanayi, wanda a da ya kasance sanannen tarkon kuskure a duniyar binciken bashi...

A circuit board cityscape
Quantum · AI · Finance

Juyin Juya Halin Kuɗi tare da Algorithms na Quantum Masu Haɗin AI

· Sebastien Rousseau

Ana sa ran tsarin kuɗi zai fuskanci wani gagarumin sauyi sakamakon haɗuwar basirar wucin gadi (AI) da kuma tsara algorithms na quantum. Wannan juyin juya hali a fannin kuɗi ba wai kawai ɗan ƙarfin quantum ba ne...

A complex quantum computer architecture
Quantum · CRYSTALS-Kyber · Encryption

CRYSTALS-Kyber: Algorithm na Kariya a Zamanin Quantum

· Sebastien Rousseau

A cikin labarina na baya, [Kare Bayanai a Zamanin Quantum ⧉][03], na shiga cikin barazanar kwamfutar quantum da ke tafe ga tsaron dijital kuma na duba yadda cryptography mai juriya da quantum...

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.