INFRA
Hardware progress, quantum algorithms, the timeline-to-threat, and where quantum compute crosses paths with banking workloads.
APPLIED AI
Harvest-now-decrypt-later turns today's TLS-protected payment messages into tomorrow's decrypted exposure. ML-KEM and ML-DSA are an order of magnitude larger than the RSA and ECC keys legacy rails were sized for — retrofit triggers fragmentation, latency, and HSM exhaustion. The 2026 architectural decision is whether to patch or replace before the regulatory clock runs out.
APPLIED AI
On 25 May 2026, Pope Leo XIV released Magnifica Humanitas — the first papal encyclical on artificial intelligence. Read from inside the technology industry, not as doctrine but as an ethical framework, it echoes every moral anxiety that accompanied the train, the automobile, nuclear power, and the internet, and lands on hope.
APPLIED AI
Agentic payments crossed from concept to live transaction in 2026 — Mastercard and Rabobank executed a Netherlands AI-agent payment via Agent Pay, AP2-style cryptographic mandates are emerging, and HM Treasury says payment-services regulation must adapt. The banking architecture question is consent, identity, liability, and pre-settlement evidence.
APPLIED AI
Agentic AI has crossed from pilot into production across global banking. Seventy per cent of institutions are using it to some degree; only one in five has a mature governance model. Meanwhile,…
APPLIED AI
Quantum risk has moved from research curiosity to active regulatory mandate. With the G7 roadmap published in January 2026, the EU, UK, and Australian timelines clarified, and the BIS Project Leap…
APPLIED AI
From mid-November 2026, SWIFT CBPR+ will reject unstructured postal addresses in pacs.008 and related cross-border payment messages. With approximately 65% of messages still non-compliant and 44%…
APPLIED AI
Twelve years after its release, Luc Besson's *Lucy* reads less like pseudo-science and more like a thought experiment about what happens when human knowledge migrates from biological to…
APPLIED AI
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 faster than most had assumed.
APPLIED AI
Modern payment infrastructure relies on public-key cryptography. RSA, ECC, and Diffie-Hellman. To authenticate transactions, protect cardholder data, and secure messaging between financial…
APPLIED AI
Following my recent article on the [Challenges in Quantum Algorithms for Lattice-Based Cryptography][00], I am compelled to provide an update on the latest developments in [Yilei Chen's research…
APPLIED AI
This article delves into the work of [Yilei Chen ⧉][00], who has developed a polynomial-time quantum algorithm that could significantly impact the hardness of the Learning With Errors (LWE)…
APPLIED AI
Fully Homomorphic Encryption (FHE) promises to redefine data security in Banking and the Financial Industry. By enabling computations on encrypted data, FHE safeguards privacy against both…
APPLIED AI
The integration of natural language processing and image recognition has resulted in the development of Multimodal Large Language Models (MLLMs). In their paper, Apple introduces the MM1, a…
APPLIED AI
2023 was a year of profound transformation and realisation. Motivated by curiosity and a drive to innovate, I delved into cutting-edge technology, including [Rust ⧉][06], [AI ⧉][07], and [Quantum…
APPLIED AI
Imagine a missed loan that could have been predicted. A seemingly low-risk borrower defaults, leaving a bank reeling from unexpected losses. This scenario, once a common pitfall in the world of…
APPLIED AI
As we enter the year 2024, AI redefines technology, society, and daily life. This era is not merely about technological evolution; it's a transformational journey where AI is emerging as a…
APPLIED AI
The financial landscape is poised for a groundbreaking transformation driven by the convergence of artificial intelligence (AI) and quantum algorithm design.This revolution in finance isn't raw…
APPLIED AI
In 2023, the intersection of Artificial Intelligence (AI) and Quantum Computing (QC) has profoundly impacted the banking and financial industry. These technologies have revolutionised the way…
APPLIED AI
The banking and financial industry is undergoing a revolutionary transformation in data security, driven by the emergence of Quantum Key Distribution (QKD). This groundbreaking innovation, based…
APPLIED AI
KyberLib is a Rust-based library that protects your data from the potential threat of quantum computing. Built upon the CRYSTALS-Kyber algorithm, KyberLib delivers exceptional security,…
APPLIED AI
In my previous article, [Protecting Data in the Quantum Age ⧉][03], I delved into the impending threat of quantum computing to digital security and looked at how quantum-resistant cryptography…
APPLIED AI
Generative AI crossed from research curiosity to production deployment in 2023. GPT-4, Claude 2, Llama 2, and Mistral demonstrated that large language models could handle legal document review, code generation, and customer dialogue at human-comparable quality — raising immediate governance questions about hallucination, data leakage, and regulatory compliance in financial services.
APPLIED AI
Mathematics provides constants that are the cornerstones of technology and secure communication. Constants like pi (π) and Euler’s number (e) are crucial in everything from geometry to…
APPLIED AI
In this article, I will examine the uses of quantum-resistant cryptography, specifically addressing the Rust Hash Library (HSH) that I developed. This library is fully optimised for cryptographic…
