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 · Ìsirò Ìpamọ́ Lẹ́Yìn Quantum

Àwọn Ààlà Kúántọ̀mù ń Yípadà: Ewu Shor ti 10,000-Qubit

· Sebastien Rousseau

Ìwádìí tuntun kan dábàá pé algorithmù Shor lè ṣiṣẹ́ lórí qubit 10,000 péré. Ìloro fún ìṣirò quantum tí ó ṣe kókó fún cryptography ń yára kùnù ju bí ọ̀pọ̀lọpọ̀ ṣe rò lọ.

Network of digital nodes in red and blue hues
Ìsirò Ìpamọ́ Lẹ́Yìn Quantum · NIST · Quantum Algorithms

Crypto Látìsì Kúántọ̀mù: Àlèébù nínú Ìkọlù LWE ti Chen

· Sebastien Rousseau

Ní títẹ̀lé àpilẹ̀kọ mi lọ́ọ́lọ́ọ́ lórí [Àwọn Ìpèníjà nínú Àwọn Algorithm Kuatomu fún Cryptography Tó Dá Lórí Lattice][00], mo rí i gẹ́gẹ́ bí dandan láti pèsè àtúnyẹ̀wò lórí àwọn ìdàgbàsókè tuntun nínú iṣẹ́ ìwádìí Yilei Chen...

A quantum computer room
Qiskit · Quantum Computing · Credit Analysis

Qiskit & Ìyípadà Fourier Kúántọ̀mù fún Àtúpalẹ̀ Ìpín Kirẹ́dítì

· Sebastien Rousseau

Fojú inú wo awin kan tí a padà sọnù tí a bá ti lè sọtẹ́lẹ̀ rẹ̀. Olùyáwó kan tí ó dàbí ẹni pé ewu rẹ̀ kò tó nǹkan kùnà láti sanwó, ó sì fi banki kan sílẹ̀ nínú àdánù àìretí. Bíbá a lọ yìí, tí ó jẹ́ tẹ́lẹ̀ ìdààmú tí ó wọ́pọ̀ nínú ayé ìtúpalẹ̀...

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.