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July 2026Supported by Quantum Preparedness of Hong Kong’s Banking Sector

Quantum Preparedness of Hong Kong’s Banking Sector2ContentsForewordp.3Executive Summaryp.401Quantum Computingp.602Post-Quantum Cryptographyp.1303Current Hong Kong Landscapep.2204Way Forwardp.4005Appendixp.50Quantum Preparedness of Hong Kong’s Banking Sector2

Quantum Preparedness of Hong Kong’s Banking Sector3ForewordThe financial services industry is entering a new phase of technological transformation. Advances in data, computing power and artificial intelligence are reshaping how financial services are delivered, managed, and supervised. For Hong Kong to maintain its status as an international financial centre, it must not only embrace new technologies but also develop the capacity to manage the risks that may accompany their adoption.Quantum computing represents a development of strategic significance. Although the technology remains in an evolving stage, its long-term implications for financial services are profound. On one hand, quantum computing may eventually unlock new possibilities in risk analysis, modelling and optimisation. On the other hand, it may also undermine the cryptographic foundations that underpin trust and security in banking systems, payment networks, and financial market infrastructure (FMI).The banking sector must therefore approach quantum developments with both strategic foresight and disciplined execution. The implications of the quantum era extend beyond future technological opportunities. They encompass operational resilience, cybersecurity, third-party dependencies, and long-term transition planning. In particular, the shift to Post-Quantum Cryptography (PQC) will require sustained effort over many years, given the deep integration of cryptographic functions across systems, processes, and external interfaces.The Hong Kong Monetary Authority (HKMA) has identified this as a key priority within Hong Kong’s broader fintech agenda. Under “Fintech 2030”1, one of the strategic objectives is to strengthen business, technology, and quantum resilience. This underscores a clear intent: tosupport responsible innovation while safeguarding the resilience, integrity, and trust that are fundamental to the banking system. In preparation for the quantum era, the HKMA’s approach is to encourage the industry to begin early, act in an orderly fashion, and build the capabilities necessary to navigate the transition ahead.Quantum preparedness is not merely a technical challenge. It demands senior management engagement, institutional planning, capability development, and coordinated action across the ecosystem. It also calls for collaboration among Authorized Institutions (AIs), technology providers, academic institutions, and other relevant stakeholders. A well-prepared banking sector will be better equipped to manage quantum-related risks while remaining poised to harness the benefits of technological advancemen...