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      By 2026, quantum computing will have crossed the threshold from a technology of the future to a management reality. This presents a twofold challenge for financial services providers: existing cryptographic infrastructures must be secured in good time, whilst at the same time the first areas of application with measurable added value are emerging.

      Quantum computing is thus becoming a strategic management issue – technologically, regulatory, organisationally and competitively.

      It is precisely this dual perspective that the “Quantum is now” study analyses. Together with the trend and technology consultants at TRENDONE, our experts examine the status quo in the financial sector, assess the industry’s current level of readiness, analyse opportunities and hurdles, and identify concrete areas for action.

      A central element of the study is the Quantum Navigator: a practical tool that helps financial institutions assess their current position, prioritise relevant areas for action and derive the next steps in a structured manner.


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      "Quantum is now" – A practical study on quantum business opportunities

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      Quantum computing 2026: Key findings at a glance

      The study shows that, on the risk side, quantum computing is already having a significant impact. New attack scenarios, data sets at long-term risk, and binding regulatory timelines are significantly increasing the pressure on financial firms to take action.

      On the opportunities side, however, pilot projects and steady skills development still dominate. At the same time, the pace of development is noticeably accelerating. Quantum computing must therefore be considered in conjunction with cybersecurity, AI, the cloud, high-performance computing, data infrastructure and regulatory requirements.

      Facts, figures and statistics that financial service providers should be aware of

      • Only four per cent of the European companies surveyed currently have a quantum computing strategy.
      • Current expert estimates suggest that a cryptographically significant quantum computer could become a realistic possibility within the next ten years.
      • Less than 20 per cent of critical infrastructure sites have implemented initial protective measures.
      • Quantum-based approaches are already achieving results that are up to 34 per cent better in certain financial applications.
      • From a regulatory perspective, the timeframe is clearly defined: high-risk systems must be migrated to quantum-secure cryptography by 2030; the full migration of the IT landscape must be completed by 2035.

      New risks, new opportunities for efficiency: How quantum computing is transforming the financial services sector

      Quantum computing is already changing the logic behind strategic decision-making. For financial institutions, the key question is no longer whether the technology will become relevant, but when, where and how it will impact existing business models, security architectures and value creation processes.

      The need for action is particularly acute on the security front. Data requiring long-term protection – such as that from loan agreements, insurance policies or client portfolios – can already be intercepted today and decrypted at a later date. This so-called ‘harvest-now-decrypt-later’ risk is shifting priorities: preparing for post-quantum cryptography is not a future IT task, but a management decision that needs to be taken now.

      At the same time, initial practical examples show that quantum computing also opens up economic potential – albeit selectively and in clearly defined fields of application. Optimisation, simulation, pattern recognition and data-intensive forecasting are particularly relevant. The greatest leverage here lies not in isolated quantum applications, but in hybrid architectures that specifically combine classical computing power, AI and quantum computing. For financial services providers, therefore, it is less about technological experiments for their own sake, and more about the systematic examination of concrete problems with strategic benefits.

      How financial firms can optimise quantum computing management

      The study shows that leading international institutions are systematically building up expertise, partnerships and patent portfolios, whilst large sections of the market remain in the exploratory phase. 

      As migrations – particularly in the field of cryptography – are complex and take several years to complete, it is almost impossible to make up for a late start. 

      Our authors therefore demonstrate how financial services providers can address quantum risks in a structured manner, assess opportunities in a targeted way and systematically establish the necessary organisational foundations. 

      The focus here is on the Quantum Navigator. It helps financial institutions to

      • assess their own level of readiness in dealing with quantum computing,
      • identify areas of action critical to security,
      • evaluate relevant fields of application,
      • organise internal and external expertise,
      • derive priorities along regulatory and technological timelines, and
      • define concrete next steps for technology, risk and innovation management.

      What matters is not that every financial institution immediately builds up in-depth in-house expertise in quantum computing. What matters is the ability to identify relevant challenges, engage suitable partners, mitigate risks at an early stage, and make decisions within a clear timeframe.

      After all, quantum computing is no longer a distant field of innovation. It is a key factor influencing security, efficiency and long-term competitiveness in the financial sector.

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