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Migration path of post-quantum cryptography for the financial and banking industry
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Hong XIANG1, 2, Jintai DING3, 4, Bei LIANG5, Qionglu ZHANG6
Science & Technology Review | 2026, 44(16) : 64 - 72
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Science & Technology Review | 2026, 44(16): 64-72
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Migration path of post-quantum cryptography for the financial and banking industry
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Hong XIANG1, 2, Jintai DING3, 4, Bei LIANG5, Qionglu ZHANG6
Affiliations
  • 1Key Laboratory of Dependable Service Computing in Cyber Physical Society (Chongqing University), Ministry of Education, Chongqing 400044, China
  • 2Jiangsu Financial Advanced Security Technology for Quantum Laboratory (FAST−Q), Nanjing 210031, China
  • 3Post−Quantum Migration Interdisciplinary Laboratory (PQC−X), Xi'an Jiaotong−Liverpool University, Suzhou 215123, China
  • 4Special Committee on Post−Quantum Cryptography Migration, Jiangsu Provincial Society for Finance and Banking, Suzhou 215123, China
  • 5Beijing Institute of Mathematical Sciences and Applications, Beijing 101408, China
  • 6Institute of Information Engineering, Chinese Academy of Sciences, Beijing 100093, China
Published: 2026-08-28 doi: 10.3981/j.issn.1000-7857.2026.05.00052
Outline
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This article studies the current work on post−quantum cryptography (PQC) migration in the financial and banking industry both domestically and internationally. It provides an overview of the PQC algorithm solicitation and standardization activities in the United States, introduces the relevant guidelines for PQC migration in the United States, and presents the framework design for PQC migration. Finally, a PQC migration framework applicable to China's banking industry was highlighted. On this basis, this paper reviews the origin of the PQC concept and the algorithm standardization process, as well as the current status of international PQC migration led by the National Cybersecurity Center of Excellence (NCCoE) of the United States. It then analyzes the NCCoE PQC migration framework built upon the Cybersecurity Framework (CSF) 2.0, which covers five key building blocks: quantum−safe governance, data asset inventory, management tools, risk management, and crypto−agile migration. Based on the National Key R&D Program project "Research on PQC Migration Technology for the Banking Industry and Its Critical Infrastructure Information Systems" (Project 055), a Data−drivEn Pqc−Agility migraTion framework in banking indUstRiEs (DEPATURE) is proposed, which forms a closed loop consisting of five interlocking phases: cryptographic module discovery, cryptographic asset inventory compilation, quantum−safe risk assessment, PQC agile migration, and security effectiveness verification, and finally outputs the quantum−safe governance status. The development trend of PQC migration in the international financial and banking industry is also discussed.

post−quantum cryptography (PQC)  /  quantum−resistant migration framework  /  critical infrastructure of the financial and banking industry
向宏, 丁津泰, 梁蓓, 张琼露. 金融银行业抗量子计算密码迁移路径. 科技导报, 2026 , 44 (16) : 64 -72 . DOI: 10.3981/j.issn.1000-7857.2026.05.00052
Hong XIANG, Jintai DING, Bei LIANG, Qionglu ZHANG. Migration path of post-quantum cryptography for the financial and banking industry[J]. Science & Technology Review, 2026 , 44 (16) : 64 -72 . DOI: 10.3981/j.issn.1000-7857.2026.05.00052
Appendix
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Year 2026 volume 44 Issue 16
841
514
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Article Info
doi: 10.3981/j.issn.1000-7857.2026.05.00052
  • Receive Date：2026-05-13
  • Online Date：2026-09-30
  • Published：2026-08-28
Article Data
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History
  • Received：2026-05-13
  • Revised：2026-08-24
Funding
Affiliations
    1Key Laboratory of Dependable Service Computing in Cyber Physical Society (Chongqing University), Ministry of Education, Chongqing 400044, China
    2Jiangsu Financial Advanced Security Technology for Quantum Laboratory (FAST−Q), Nanjing 210031, China
    3Post−Quantum Migration Interdisciplinary Laboratory (PQC−X), Xi'an Jiaotong−Liverpool University, Suzhou 215123, China
    4Special Committee on Post−Quantum Cryptography Migration, Jiangsu Provincial Society for Finance and Banking, Suzhou 215123, China
    5Beijing Institute of Mathematical Sciences and Applications, Beijing 101408, China
    6Institute of Information Engineering, Chinese Academy of Sciences, Beijing 100093, China
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