Convergence of Blockchain, AI, and Quantum Computing in FinTech
DOI:
https://doi.org/10.63282/3050-922X.AECTIC-117Keywords:
Blockchain, Artificial Intelligence, Quantum Computing, Fixed Income, Tokeni- Sation, Post-Quantum CryptographyAbstract
The fusion of distributed ledger technology, advanced machine learning and nascent quantum algorithms is reshaping capital markets. This report synthesises current case studies and industry statistics to highlight practical progress and challenges in this convergence. Over sixty tokenised bond issuances have raised roughly 8 billion globally, with pilot programmes from in- stitutions in Europe and Asia demonstrating cost reductions of 35–50 % and settlement times measured in minutes. Artificial intelligence is now mainstream in finance: seventy-eight percent of organisations employ AI, financial firms invested 35 billion in 2023, and these tools are credited with saving billions through real-time fraud detection. Quantum computing remains at an early stage but offers potential value of 622 billion in financial services by 2035, with some pilots re- ducing portfolio optimisation tasks from years to seconds. The report discusses how blockchain’s immutable records feed AI models, how quantum algorithms enhance risk calculations, and how together they raise issues around governance, fairness and cybersecurity. Recommendations focus on integrated risk frameworks, cross-chain interoperability, human oversight and post-quantum cryptography to ensure responsible adoption.
References
[1] I. n. Aldasoro et al., “Tokenisation of government bonds: assessment and roadmap,” bis bulletin no. 107, Bank for International Settlements, 2025.
[2] S.P. Choudhury, “The quantum revolution in finance: How leading banks are preparing for a $622 billion opportunity.”https://www.qnulabs.com/blog/ the-quantum-revolution-in-finance-how-leading-banks-are-preparing for-a-622-billion-opportunity, 2025.
[3] V. de Quehen, “Nist releases post-quantum cryptographic standards that will thwart quantum attacks.” https://www.infosecglobal.com/blogs/nist-releases-post-quantum-cryptographic-standards, 2024.
[4] Depository Trust & Clearing Corporation, “Advancing together: Leading the industry to accelerated settlement.”https://www.dtcc.com, 2021.
[5] nCino, “Ai trends in banking 2025: The strategic transformation of financial services.” https://www.ncino. com/blog/ai-accelerating-these-trends, 2025.
[6] National Institute of Standards and Technology, “Artificial intelligence risk management framework (ai rmf 1.0),” tech. rep., U.S. Department of Commerce, 2023.
[7] United States Congress, “Quantum computing cybersecurity preparedness act.” https://www.congress.gov/ public-law/117th-congress/260, 2022.
[8] A. Saari, “What are tokenised bonds? a 2025 guide for investors and institutions.” https://www. assettokenization.com/resources/what-are-tokenized-bonds-a-2025-guide-for-investors-and-institutions, 2025.
[9] World Economic Forum, “Quantum technologies: Key strategies and oppor- tunities for financial services leaders.”https://www.weforum.org/reports/quantum-technologies-key-strategies-and-opportunities-for financial-services-leaders, 2025.
[10] D. M. Welch and B. A. Burcat, “Cfpb applies adverse action notification requirement to ar- tificial intelligence models.” https://www.skadden.com/insights/publications/2024/01/ cfpb-applies-adverse-action-notification-requirement, 2024.
[11] World Bank, “World bank prices first bond created and managed using blockchain.” https://www.worldbank.org/en/news/press-release/2018/08/23/world-bank-prices-first-bond-created-and-managed-using-blockchain, 2018.
