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 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.
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 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%.
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.
The rise of quantum computing introduces a profound threat to existing digital security frameworks, particularly those that underpin modern payment systems. Current cryptographic standards, such as RSA, ECC, and ECDSA are susceptible to being broken by quantum algorithms like Shor's and Grover's, jeopardizing the confidentiality, authenticity, and integrity of transactions across financial networks. This study presents a comprehensive investigation into the design, feasibility, and architecture of a universal quantum-safe payment platform capable of processing all types of digital transactions, ranging from mobile money and bank transfers to blockchain-based and card payments through existing delivery channels on a decentralized infrastructure. The research synthesizes current developments in post-quantum cryptography (PQC), including lattice-based, hash-based, and code-based algorithms, and evaluates their suitability for real-time financial systems. The proposed platform incorporates a permissioned distributed ledger, API-level compatibility with legacy financial protocols, and an identity-governed, modular architecture that enables cryptographic agility and policy compliance. Through architectural modeling and critical analysis, this research provides a forward-looking blueprint for building quantum-resilient financial infrastructure. It concludes that while performance and governance hurdles remain, quantum-safe payment networks are both technically feasible and urgently necessary. This work aims to equip stakeholders, especially fintech firms, banks, and regulatory bodies, with a detailed roadmap for transitioning to secure, interoperable, and scalable payment systems in the quantum era.
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.
The rapid advancements in quantum computing pose a significant threat to traditional cryptographic protocols, endangering the security of financial transactions and sensitive business data. Existing encryption mechanisms, such as RSA, ECC, and Diffie-Hellman, rely on mathematical problems that quantum algorithms, particularly Shor's algorithm, can efficiently solve. As financial institutions and enterprises increasingly adopt artificial intelligence (AI) for data-driven decision-making and cybersecurity, the need for quantum-resistant cryptographic protocols becomes paramount. This study explores the evolution of post-quantum cryptography (PQC) and its implications for securing financial transactions and business data in the AI era. Post-quantum cryptographic algorithms are designed to withstand quantum attacks while maintaining efficiency and scalability for real-world applications. Lattice-based cryptography, code-based encryption, hash-based signatures, and multivariate polynomial cryptosystems are among the leading PQC approaches. Lattice-based schemes, such as CRYSTALS-Kyber and CRYSTALS-Dilithium, offer robust security guarantees and are actively being standardized by the National Institute of Standards and Technology (NIST). Additionally, hash-based signatures, such as XMSS and SPHINCS+, provide strong resistance against quantum threats while ensuring long-term data integrity. The integration of AI into financial systems necessitates quantum-resistant security mechanisms to protect sensitive business data from cyber threats. AI-driven fraud detection, transaction authentication, and anomaly detection systems must incorporate PQC to prevent unauthorized access and mitigate quantum-enabled attacks. Secure communication protocols, including TLS and blockchain-based financial networks, require quantum-safe encryption to maintain data confidentiality and integrity. Despite the promising advancements in PQC, challenges such as computational overhead, key size expansion, and backward compatibility with classical systems remain. Transitioning to quantum-resistant cryptography requires a phased approach, incorporating hybrid encryption models that combine classical and post-quantum algorithms. This study underscores the urgency of adopting PQC to safeguard financial transactions and business data in the AI-driven digital economy.