世界经济论坛-量子技术_金融服务领导者的关键战略和机遇（英）-2025.7_32页_4mb

Quantum Technologies Summary: Financial Services

Overview

This white paper examines the strategic opportunities and risks associated with quantum technologies in the financial sector. It highlights how quantum computing, sensing, security, and communications can transform areas such as risk modeling, fraud detection, and cybersecurity. The analysis emphasizes the need for proactive measures, including research, infrastructure development, and collaboration, to harness these technologies for efficiency, security, and long-term resilience in the financial industry.

Key Areas

Quantum Computing

• Potential Benefits: Offers superior performance for complex computations, such as optimization, risk analysis, and fraud detection. Use cases include portfolio optimization, trading algorithms, and enhanced Monte Carlo simulations, with potential value creation up to $622 billion by 2035.
• Case Studies: Early successes, e.g., Yapı Kredi optimizing fraud detection and Santander enhancing bond-hedging strategies, demonstrate practical applications and improvements in efficiency.

Quantum Sensing

• Current Role: Limited but emerging applications focus on accuracy and synchronization, such as ultra-precise timestamps for high-frequency trading. Challenges include scalability and implementation costs.
• Opportunities: Can enhance sustainability-focused investments by providing precise environmental data. However, it is not an immediate priority due to high costs and undefined advantages.

Quantum Security and Communications

• Threat Mitigation: Combines post-quantum cryptography (PQC) for future resistance and quantum-native methods like QKD for secure key distribution. A defense-in-depth strategy ensures hybrid security against emerging threats.
• Case Studies: HSBC integrated quantum-resistant tech for gold tokenization, and Banco Sabadell piloted PQC upgrades. Studies highlight long-term resilience needs due to evolving quantum threats.

Opportunities in Financial Services

• Cross-Domain Benefits: Enhances banking, risk management, capital markets, and infrastructure with applications in fraud reduction, risk assessment, and secure communications. Robotics and 5G integration further amplify opportunities.
• Strategic Imperatives: Institutions should scope out PoCs, drive digital innovation, ensure crypto-agility, and maintain market confidence through scalable solutions.

Strategic Pillars

1. Research & Development: Advance quantum applications through sustained investment and multidisciplinary collaboration.
2. Infrastructure Enablement: Build robust frameworks and collaborate with governments and standards bodies.
3. Public-Private Collaboration: Foster risk-sharing and innovation programs, such as regulatory sandboxes.
4. Education & Workforce Development: Train professionals with cross-functional skills in quantum and finance to close the talent gap.
5. Responsible Deployment: Adopt ethical guidelines and principles to ensure sustainable and secure integration, avoiding unintended consequences.
6. Entrepreneurship Support: Incentivize start-up creation through funding and simplified pathways for early-stage ventures.

Conclusion

Quantum technologies offer transformative potential for the financial sector, enabling enhanced security, operational efficiencies, and innovative solutions. Strategic roadmaps must include phased approaches, such as PoCs, pilot programs, and collaborations, to build resilience and capture opportunities while navigating regulatory and ethical considerations. Long-term leadership through coordinated efforts can ensure secure and impactful quantum adoption.