Post-Quantum Encryption for Securing Cross-Border Financial Communications in Regulated Environments

The advancement of quantum computing poses a significant threat to the cryptographic foundations of international financial systems, particularly those involving cross-border communications that depend on asymmetric encryption protocols like RSA and ECC. These protocols are integral to compliance with regulatory standards such as SWIFT CSP, ISO 20022, and PCI DSS. In this paper, we present a future-resilient approach to securing cross-border financial transactions using post-quantum encryption (PQE). We analyze lattice-based and hash-based cryptographic algorithms standardized by NIST, propose a hybrid encryption architecture suitable for regulated environments, and evaluate its compatibility with existing financial messaging standards. Our findings offer a strategic roadmap for adopting quantum-secure protocols, ensuring both regulatory compliance and cryptographic robustness across international finance networks.