Financial transactions demand exceptionally robust security, especially in light of the rapid advancement of quantum computing, which poses a severe threat to classical cryptographic mechanisms used in modern banking systems. Among various financial operations, transaction processing remains the most critical and vulnerable component. To address this emerging challenge, we introduce a Distributed Ledger Technology (DLT)-based secure framework for quantum-resistant financial transactions. The proposed architecture leverages lattice-based cryptographic security to ensure resilience against quantum attacks while preserving essential security attributes such as privacy, accountability, and data integrity. Furthermore, to demonstrate its effectiveness, the proposed framework is also compared with existing solutions in the literature.
Financial transactions demand exceptionally robust security, especially in light of the rapid advancement of quantum computing, which poses a severe threat to classical cryptographic mechanisms used in modern banking systems. Among various financial operations, transaction processing remains the most critical and vulnerable component. To address this emerging challenge, we introduce a Distributed Ledger Technology (DLT)-based secure framework for quantum-resistant financial transactions. The proposed architecture leverages lattice-based cryptographic security to ensure resilience against quantum attacks while preserving essential security attributes such as privacy, accountability, and data integrity. Furthermore, to demonstrate its effectiveness, the proposed framework is also compared with existing solutions in the literature.
The rapid growth of digital financial services demands secure and privacy-preserving authentication schemes resilient to quantum attacks. The current approaches, which depend on public-key based bilinear pairings, RSA, and Elliptic Curve Cryptography (ECC), are susceptible to quantum algorithms. This paper proposes a novel Distributed Ledger Technology (DLT)-enabled post-quantum authentication scheme that integrates lattice-based cryptography with DLT to ensure quantum resistant, tamper-proof and privacy-preserving transactions. The protocol enables effective multi-phase authentication between users, servers, and DLT nodes by utilising the lattice-based Ring-Learning With Errors (LWE) hard problem for secure key establishment. Security and performance analyses demonstrate low computational overhead, and scalability for real-time financial ecosystems.
The exponential advancement of quantum computing poses unprecedented threats to conventional cryptographic systems employed in banking infrastructure. This paper presents a comprehensive quantum-enhanced cryptographic framework that integrates post-quantum algorithms with distributed ledger technologies to establish resilient financial security systems. Through systematic analysis of lattice-based cryptography, hash-based signatures, and multivariate cryptographic schemes, this research demonstrates significant improvements in computational security while maintaining operational efficiency. The proposed framework achieves 99.7% security resilience against quantum attacks while reducing transaction processing overhead by 23% compared to traditional RSA-based systems. Experimental validation across simulated banking environments reveals enhanced performance metrics in key generation, digital signatures, and secure communication protocols. The integration of quantum-resistant algorithms with blockchain-based consensus mechanisms provides a robust foundation for future-proof banking security architectures.
In the contemporary digital era, secure payment systems are imperative for ensuring trust and reliability in financial transactions. Traditional cryptographic methods, once considered robust, face formidable challenges with the advent of quantum computing. In response, distributed ledger technology DLT has emerged as a promising paradigm for enhancing payment security. This study presents an in -depth analysis of the integration of quantum cryptography and artificial intelligence AI within distributed ledger technology DLT -based payment systems, aiming to enhance security against the evolving landscape of cyber threats. By examining specific vulnerabilities such as Sybil attacks, double -spending, and transaction manipulation, this research proposes a comprehensive framework of AI -driven countermeasures and mitigation strategies. Furthermore, the paper explores future research directions, emphasizing the critical role of quantum -resistant cryptographic techniques and AI in securing DLT payment infrastructures. The findings underscore the potential of combining quantum cryptography and AI to create resilient, secure payment solutions for the digital age.
With the rise of quantum computing, traditional cryptographic security measures are becoming increasingly vulnerable to attacks. The financial industry, heavily reliant on AI-driven transactions and blockchain technology, faces a significant challenge in ensuring data integrity and transaction security in the post-quantum era. This paper explores the integration of quantumresistant cryptographic techniques into blockchain networks to safeguard AI-driven financial transactions. By leveraging lattice-based cryptography, quantum key distribution (QKD), and zero-knowledge proofs (ZKPs), quantum-secure blockchain solutions enhance both security and efficiency. Empirical analysis demonstrates that quantum-resistant blockchain outperforms traditional cryptographic methods in securing financial transactions against quantum threats.
The advent of quantum computing poses a significant threat to classical cryptographic algorithms that underpin security in cloud-based financial technologies (Fintech). As quantum computers gain computational superiority, traditional encryption schemes such as RSA and ECC are becoming increasingly vulnerable to quantum attacks, necessitating a paradigm shift toward quantum-resistant cryptography. This study investigates the integration of post-quantum cryptographic (PQC) frameworks within cloud-based Fintech architectures to ensure data confidentiality, transaction integrity, and regulatory compliance in a post-quantum era. The research evaluates lattice-based, hash-based, and multivariate polynomial cryptosystems in terms of performance efficiency, scalability, and interoperability with existing cloud infrastructures. Using simulated Fintech transaction datasets, the study benchmarks cryptographic resilience and latency overheads in multi-cloud environments. The findings highlight that lattice-based schemes, particularly CRYSTALS-Kyber and Dilithium, offer a promising balance between computational feasibility and robust security against quantum adversaries. The paper concludes with recommendations for hybrid encryption deployment strategies and policy-level frameworks to facilitate the transition to quantum-resistant Fintech ecosystems.
The rapid advancement of quantum computing poses a significant threat to current cryptographic protocols, especially within the dynamic and security-critical financial technology (FinTech) sector. To address these vulnerabilities, this paper proposes the Lattice-Based Cryptography Integration Framework (LBCIF). This robust methodology integrates lattice-based key exchange and signature schemes, such as Kyber and Dilithium, into financial technology (FinTech) systems. LBCIF enhances secure communication, digital signatures, and API protection while supporting hybrid deployment during transition periods. The proposed method is applied to digital payment channels within FinTech platforms, securing transactions, user identities, and inter-system communications. Results show that LBCIF significantly improves resistance to quantum attacks, maintains high performance under standard operations, and provides seamless migration pathways from classical to post-quantum cryptography. These findings indicate that LBCIF is a viable, scalable, and future-proof cryptographic solution for evolving FinTech infrastructures. The proposed methodology achieves quantum resilience of 97.6%, system performance efficiency of 98.3%, migration compatibility of 96.9%, and security enhancement of 97.3%.