Core Insights - Quantum technology presents new development opportunities for the banking industry, enhancing security against financial fraud and risk prediction [1] - Financial institutions must move beyond experimental phases to fully leverage the benefits of quantum technology [1] Group 1: Enhancing Risk Prediction Capabilities - Quantum computing is transforming risk modeling, fraud detection, and portfolio optimization, addressing limitations of traditional methods [2] - Yapı Kredi Bank in Turkey has developed an innovative financial risk assessment model using quantum computing to identify potential risk points in SMEs, significantly reducing analysis time from years to just 7 seconds [2] Group 2: Combating Fraud - Quantum technology enables faster and more accurate detection of financial fraud, with the UK banking sector facing losses of up to $1.6 billion in 2024 due to fraud [3] - The UK government plans to invest $162 million in quantum technology to combat financial crime, including fraud and money laundering [3] - Intesa Sanpaolo Bank in Italy has successfully implemented a quantum-based classifier to analyze transaction data, achieving higher accuracy and efficiency with less data [3] Group 3: Protecting Sensitive Financial Data - Quantum security technology, including quantum key distribution and quantum random number generation, offers theoretically "absolute security" for encrypted communications [4] - "Post-quantum cryptography" is a promising algorithm that protects financial data against potential quantum computer attacks, adhering to international standards [4] - HSBC has applied quantum security technology in gold token trading, ensuring secure blockchain data circulation and improving market efficiency [4] Group 4: Ongoing Research and Development - Banco Sabadell in Spain has initiated a four-month research project on "post-quantum cryptography," focusing on the agility of encryption systems to adapt to threat levels [5]

世界经济论坛与埃森哲咨询公司日前联合发布《量子技术：金融服务领导者的关键战略与机遇》报告， 系统阐述了量子技术为银行业带来的全新发展机遇。 世界经济论坛官网特别报道指出，从发现金融欺诈、加密数据到预测风险，量子技术正在为金融业构筑 坚实的安全屏障。金融机构若想充分把握量子技术发展红利，就必须突破实验和试点阶段的局限，迈向 更深入的实践应用。 增强风险预测能力 2008年的那场国际金融危机警示人们：能否准确预测金融风险，直接关系到全球经济的稳定。 仅2024年一年，英国银行业就因金融欺诈蒙受了高达16亿美元的巨额损失。面对这一严峻形势，英国政 府于2025年4月宣布了一项重大投资计划，将斥资1.62亿美元发展量子技术，通过建立研究中心和开展 试点项目，全力打击金融犯罪、欺诈和洗钱活动。 传统机器学习算法虽然已被广泛应用于欺诈模式识别，但量子技术犹如为这场"猫鼠游戏"装上了涡轮引 擎，能大幅提升金融欺诈行为的检测速度和精准度。 在这场技术革新中，意大利联合圣保罗银行堪称"探路先锋"。其创新性地采用基于变分量子电路的分类 器，对数以十万计的交易数据进行了高效分析。令人振奋的是，借助量子计算工具，该公司的量子模型 不 ...