{ "article_id": 1649, "public_id": "4456ac83-50d0-4393-8e2b-ad877098c7ce", "internal_identifier": null, "source_identifier": null, "status": "published", "type": "research_article", "title": "Quantum-Ready Intelligent Digital Systems for Open Finance: Integrating Post-Quantum Security and Evidence-Gated Quantum Computing", "title_secondary": null, "abstract": "Open-finance services must prepare for cryptographic transitions while evaluating quantum-computing opportunities against classical alternatives. These decisions require different evidence but concern shared data, software, suppliers, and owners. This paper develops a design-science framework through a multivocal review of 60 sources. It links a system evidence graph, trust-transition register, quantum-experiment register, and capability-and-decision register across seven technical and organizational layers. The framework separates preparation priority from deployment feasibility, constrains maturity judgments by evidence, and gates experiments through authority, baseline quality, full-workflow accounting, and stopping rules. A hypothetical bank-account aggregation service illustrates discovery, a maturity cap, and an experiment stop decision. A change-event trace identifies the proposed integration beyond established migration records without claiming measured superiority. Two weight scenarios reverse the priority order of two work packages; criterion-removal and input sensitivity checks expose the dependence on exposure assumptions. The contribution is a specified linkage between migration, experimentation, and accountable review. No participants or operational deployment were assessed. The framework remains unvalidated; the example demonstrates inspectable decision mechanics, not security assurance or decision utility.", "language": "en", "english_title": null, "english_abstract": null, "doi": "10.36287/setsci.25.8.001", "doi_url": "https://doi.org/10.36287/setsci.25.8.001", "resource_url": "https://www.set-science.com/a/4456ac83-50d0-4393-8e2b-ad877098c7ce", "pdf_url": "https://www.set-science.com/a/4456ac83-50d0-4393-8e2b-ad877098c7ce/pdf", "og_image": "https://www.set-science.com/assets/img/og-card-v2.png", "authors": [ { "public_id": "094b803e-282d-49ad-a0f6-af7a7ddc584e", "given": "Ashwini Kumar", "family": "Rath", "full": "Ashwini Kumar Rath", "literal": null, "orcid": null, "orcid_url": null, "email": "ashwini.rath@batoi.com", "corresponding": true, "sequence": "first", "affiliations": [ { "name": "Batoi Research, Bhubaneswar, India", "department": null, "country": null, "country_code": null, "ror": null, "ror_url": null } ] } ], "keywords": [ "quantum readiness", "open finance", "post-quantum cryptography", "crypto-agility", "intelligent digital systems", "quantum security", "hybrid quantum computing", "digital trust" ], "translations": [], "subjects": [ { "name": "Finance", "label": "Finance", "path": "finance", "is_primary": true } ], "subject_names": [ "Finance" ], "published_date": "2026-10-06", "published_year": "2026", "received_date": null, "accepted_date": null, "volume": "25", "issue": null, "page_first": "42", "page_last": "47", "article_number": null, "conference": { "short_name": "ICOF2026", "full_title": "International Conference on Open Finance", "name": "International Conference on Open Finance", "acronym": "ICOF2026", "location": "Boston, United States", "start_date": "2026-09-24", "end_date": "2026-09-24", "public_id": "0181a00a-2de1-4dcf-9458-2c9fb1cfd6ed" }, "proceedings": { "title": "Proceedings of the International Conference on Open Finance (ICOF 2026)", "series_title": "SETSCI Conference Proceedings", "publisher": "SET Technology", "isbn": "978-625-95366-7-5", "eisbn": "978-625-95366-7-5", "issn": null, "eissn": "2687-5527", "doi": "10.36287/setsci.2026.25", "doi_prefix": "10.36287", "slug": "proceedings-of-the-international-conference-on-open-finance-icof-2026", "public_id": "99f5c14a-5332-4630-9f4e-19033533a996", "url": "https://www.set-science.com/p/proceedings-of-the-international-conference-on-open-finance-icof-2026" }, "license": { "name": "CC BY 4.0", "url": "https://creativecommons.org/licenses/by/4.0/", "code": "CC-BY-4.0", "open_access": true }, "copyright": { "holder": "SET Technology", "year": "2026" }, "funding_statement": null, "funders": [], "references": [ { "order": 1, "raw": "OECD, Shifting from Open Banking to Open Finance: Results from the 2022 OECD Survey on Data Sharing Frameworks, OECD Business and Finance Policy Papers, no. 24, 2023, doi: 10.1787/9f881c0c-en.", "doi": "10.1787/9f881c0c-en", "title": null, "authors": null, "source": null, "year": 2022, "volume": null, "pages": null }, { "order": 2, "raw": "Basel Committee on Banking Supervision, Report on Open Banking and Application Programming Interfaces, Bank for International Settlements, Nov. 2019. 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