Quantum-Resistant Cryptography in Cloud-Based Fintech Solutions

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ID: 309375
2025
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Abstract
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.
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Authors Arooj Hassan, Malik Arfat Hassan, Muhammad Ahsan Khan
Journal Aminu Kano Academic Scholars Association Multidisciplinary Journal
Year 2025
DOI
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URL
https://akasa.com.ng/ojs/index.php/journal/article/view/170
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