Quantum Adoption Accelerates Innovation, Security, and Market Differentiation Globally

Quantum computing is emerging as the most transformative catalyst in financial services, unlocking scalable value in risk modeling, cybersecurity, and customer personalization. Backed by government funding and strategic talent development, early adopters are gaining competitive advantages through faster execution, enhanced compliance, and adaptive innovation.

Key Points

• Quantum computing could generate up to USD 622 billion in financial value by 2035, with banks like Yapı Kredi, Intesa Sanpaolo, and Santander achieving efficiency gains supported by UK and Singapore funding, though adoption remains uneven due to outdated infrastructure, limited funding, unclear ROI, and weaker policy support in emerging markets.
  
  
• Demand for personalized, secure services is accelerating adoption of quantum tools for fraud prevention and ESG analysis, but integration challenges and digital literacy gaps hinder user experience and financial inclusion, prompting firms to adopt privacy-centric and quantum-enhanced strategies for customer acquisition.
  
  
• Quantum technologies are improving fraud detection, trading, and cybersecurity performance, but adoption is constrained by legacy systems and high costs, especially in emerging markets, leading firms to adopt phased implementation strategies with post-quantum encryption and quantum key distribution to strengthen cybersecurity and operational resilience.
  ​
  
• Institutions and governments are building quantum capabilities through internal training, sector-specific education, applied pilots, and national funding, while talent shortages are driving internal upskilling and prompting public investments in certifications and infrastructure to support scalable innovation and continuous learning.

​Download the Full Report

​Integrate key insights into a holistic strategy for your company.

te250728_-_quantum_adoption_accelerates_innovation_security_and_market_differentiation_globally.pdf
File Size:	1120 kb
File Type:	pdf

Download File

---

​Quantum Innovation Reshapes Financial Services Through Scalable, Secure Applications

Early Quantum Adoption Drives Operational Gains

Quantum computing is expected to generate up to USD 622 billion in financial services value by 2035, as shown by banks like Yapı Kredi, Intesa Sanpaolo, and Santander achieving major gains in speed, fraud detection accuracy, and bond execution efficiency through early adoption.

Governments in the UK, Singapore, and the EU are shaping quantum adoption through targeted investments, regulatory sandboxes, and encryption mandates, which reduce compliance risk, direct capital into secure innovation, and accelerate deployment.

Financial institutions are shifting to scalable, service-driven quantum models—such as blockchain-enhanced security at HSBC and flexible fraud detection at Intesa—supporting revenue growth and margin resilience with modular and cloud-compatible tools.

Barriers to Adoption Offset by Policy Support

Volatility in financial markets is exacerbated by outdated systems, rising computational needs, and regulatory shifts; quantum tools enable better predictive risk modeling, but high costs and uncertain ROI continue to deter full-scale adoption.

Emerging markets face infrastructure gaps, limited capital access, and policy fragmentation that hinder quantum adoption, unlike Singapore’s well-funded push toward digital resilience and the EU’s coordinated regulatory approach.

Scalable Quantum Solutions Enhance Security and Efficiency

Firms like Santander, HSBC, and Yapı Kredi are prioritizing scalable quantum solutions on classical infrastructure, aligning capital investment with replicable growth use cases while public funding supports sector-aligned R&D.

With substantial upside forecast, early quantum adopters like HSBC and Yapı Kredi are positioned for near- and long-term gains through scalable applications in security and risk modeling, supported by national investment strategies such as Singapore’s SGD 100 million grant scheme.

Post-quantum encryption and quantum random number generators improve cyber resilience and reduce capital stress, as illustrated by HSBC’s low-cost integration and Sabadell’s smooth protocol upgrades, backed by MAS co-investment funding to accelerate secure innovation.

Quantum Financial Platforms Redefine Trust, Adoption, and Engagement Globally

Quantum Personalization Drives Adoption and Revenue

Quantum-powered financial services are shaping consumer behavior through personalized products, improved fraud detection, and ESG integration, increasing platform adoption and revenue growth.

Proactive data protection, post-quantum encryption, and clear regulatory guidance from authorities like MAS and NIST build user trust and accelerate adoption of secure digital platforms.

Financial institutions are improving engagement and retention through high-speed computation, efficient fraud detection, and seamless platform experiences powered by quantum and quantum-inspired technologies.

Infrastructure and Cost Barriers Limit Scalability

Complex integration requirements, high costs, and inadequate fraud detection reduce platform usability and trust, hindering tech adoption and customer base expansion.

Legacy infrastructure, capital constraints, and digital literacy gaps in emerging economies delay access to quantum-enhanced financial services and inclusive innovation.

Security and Education Strengthen User Growth and Loyalty

Secure personalization, regulatory transparency, and outreach initiatives like training and public funding build trust, educate users, and strengthen acquisition pipelines.

Quantum tools enhance transaction safety, ESG alignment, and financial insights, reinforcing long-term engagement and customer lifetime value.

Privacy-by-design, adaptive security roadmaps, and continuous learning from scaled pilots ensure platform reliability and user confidence over time.

Quantum Algorithms Unlock Speed, Accuracy, and Scalable Cost Efficiencies

Quantum Adoption Accelerates Financial Sector Efficiency

Quantum tools are delivering measurable gains across financial sectors, including Yapı Kredi’s SME credit analysis in seven seconds, Santander’s bond optimization efficiency, and Intesa Sanpaolo’s low-input fraud detection, while technologies like atomic clocks improve trading transparency and throughput.

Institutions like HSBC and Banco Sabadell are deploying privacy-by-design protocols, post-quantum cryptography, and transition roadmaps to meet regulatory mandates, reduce manual oversight, and enhance operational readiness in line with evolving global cybersecurity standards.

Firms are accelerating decision-making and workflow automation by integrating quantum algorithms into risk modeling, trading systems, and infrastructure diagnostics, replacing manual processes with scalable, real-time computing capabilities.

Infrastructure and Cost Barriers Limit Scalability

Inflexible infrastructure, high upgrade costs, and the complexity of integrating quantum sensors or secure communication systems are slowing technology rollout and undermining the scalability of next-generation financial tools.

Developing economies struggle with limited quantum expertise, high implementation costs, and outdated financial systems, which restrict their ability to adopt quantum technologies and realize inclusive digital transformation.

Phased Strategies Advance Quantum Cyber Resilience

Financial institutions are advancing through structured phases—from foundational assessments and pilot scaling to continuous optimization—supported by workforce training, performance tracking, and automated governance to accelerate agile digital maturity.

Examples from Yapı Kredi, Intesa Sanpaolo, Santander, and HSBC reveal how quantum technologies cut processing times, improve fraud detection, and secure platforms without sacrificing performance, delivering large-scale operational and cost efficiencies.

Firms are advised to test QKD and QRNG, implement quantum-resilient architecture, and maintain adaptable security roadmaps, reinforcing long-term trust and cyber resilience amid rising digital threats.

​Quantum Talent Development Accelerates Financial Innovation and Global Readiness

Quantum Training and Pilots Backed by National Funding

HSBC and IBM are training employees in quantum computing, while Italy expands quantum education and retraining programs, highlighting a coordinated push to build cross-disciplinary talent pipelines and support digital transformation.

Programs by QuantFi, QURECA, CFTE, and HDFC Bank are delivering practical quantum education in finance and cybersecurity, accelerating adoption and broadening talent pools through academic, bootcamp, and corporate channels.

Financial institutions like Yapı Kredi, HSBC, and Santander are driving internal R&D and piloting quantum tools, supported by national investments from the UK and Singapore aimed at scaling financial sector innovation.

Talent Shortages Drive Upskilling and Regional Investment

The scarcity of quantum-ready professionals across finance and engineering is intensifying competition and wage pressure, making internal capability-building the most effective strategy to retain talent and reduce hiring bottlenecks.

Initiatives in India and Southeast Asia—such as HDFC Bank’s executive training and MAS’s SGD 100 million fund—are expanding digital infrastructure and education, fostering quantum-readiness in developing economies.

Structured Learning Enhances Resilience and Innovation Deployment

HSBC’s internal training with IBM, Italy’s IT retraining strategy, and CFTE’s modular courses exemplify structured learning programs that build AI and quantum fluency while enhancing institutional resilience and mobility.

Government and institutional investments, including MAS’s SGD 100 million grant and Yapı Kredi’s seven-second credit model, demonstrate how focused upskilling directly improves speed, insight, and innovation outcomes.

Firms are embedding feedback loops and cross-sector collaboration into pilot rollouts, using quantum simulation for scenario planning and integrating experimentation into core processes to boost resilience and learning.