White Papers & Research
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White Papers & Research

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

WHITEPAPER · BANKING ARCHITECTURE

2026 Banking Architecture: A Framework for Operational Resilience

· Sebastien Rousseau

English · PDF · 16 pages · ~213 KB · Free download

A three-pillar architectural framework for Tier-1 CIB and corporate treasury teams in 2026 — cryptographic stewardship (with a four-factor crypto-agility decision matrix and a NIST FIPS 203/204/205 post-quantum migration plan), ISO 20022 as the autonomic data substrate, and rail-agnostic multi-rail orchestration. Anchored on the RedCompass Labs 200-bank readiness survey and on peer-reviewed payments-economics literature (Kahn & Roberds 2009; Auer & Böhme 2020; Bech & Garratt 2017; Bernstein & Lange 2017), mapped across DORA, the Fed's SR 21-14, OCC heightened standards, MAS TRM, HKMA C-RAF, and APRA CPS 230. Agentic-AI governance overlaid on SR 11-7 with FSB 2017, BIS FSI Insights, ESMA 2023, and the EU AI Act 2024. Includes a three-phase implementation roadmap with stakeholder maps, vendor risk, staff retraining, plus a Decision Support section with a comparative posture matrix, a 10-item programme risk register, and an explicit Validation Status section that names the framework as a synthesis pending end-to-end pilot.

Download the PDF Read the framework

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

Quantum Thresholds Are Moving: 10,000-Qubit Shor Risk

· Sebastien Rousseau

Ìwádìí tuntun dábàá pé algorithmù Shor lè ṣiṣẹ́ lórí qubit 10,000 péré. Àwọn ìpadà fún cryptography ṣòro láti fojú fò.

Banner for Fully Homomorphic Encryption
FHE · Banking · Quantum Computing

Fully Homomorphic Encryption (FHE) in a Banking Quantum Era

· Sebastien Rousseau

Mú Ààbò Data Pọ̀ sí i, Ṣe Imudara Ìkọ̀kọ̀ AI, kí o sì Kọ́ Ìgbẹ́kẹ̀lé Àwọn Oníbàárà nínú Àkókò Quantum Computing pẹ̀lú FHE

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.