siliconindia | | OCTOBER 20258In an era where quantum computing looms as a double-edged sword promising unparalleled computational power while threatening to shatter traditional encryption India stands at the forefront of a revolutionary defense. Quantum computers, harnessing principles like superposition and entanglement, could potentially decrypt sensitive data in hours using algorithms such as Shor's, rendering current RSA and ECC cryptography obsolete.This `harvest now, decrypt later' strategy by cybercriminals underscores the urgency for quantum-safe solutions in finance, where breaches could lead to identity theft, falsified transactions, and economic turmoil.Enter post-quantum cryptography (PQC) and quantum key distribution (QKD), innovative shields designed to withstand quantum assaults. PQC employs lattice-based, hash-based, and multivariate algorithms, while QKD uses quantum mechanics for unbreakable key exchanges, detecting eavesdroppers in real-time.India's proactive stance shines through the National Quantum Mission (NQM), a 6,003 crore initiative aiming for 1,000-qubit systems by 2031, fostering indigenous quantum-resistant tech. The Reserve Bank of India (RBI) and SEBI are spearheading efforts: RBI's whitepaper advocates phased PQC adoption for banking, while SEBI's action plan focuses on quantum-safe encryption to protect passwords and ecosystems by 2029.Institutions like HDFC Bank are investing in startups such as QNu Labs, which provides end-to-end quantum-safe networks for financial communications. NPCI is developing quantum-resistant protocols for UPI and payments, and firms like SISA in Bengaluru are quantum-proofing digital transactions. This inspiring convergence of ancient Indian ingenuity echoing the mathematical prowess of Aryabhata with cutting-edge science positions India as a global leader in secure finance.Shailendra Singh, MD & CEO, BOB Financial, says "Security in credit card and UPI transactions is a top priority for financial institutions, payment processors, and regulatory bodies". Here are 5 Credit Cards Built for a Post-Quantum WorldWhile fully quantum-integrated credit cards are on the horizon, the following top cards from proactive Indian banks incorporate advanced security like tokenization, EMV chips, and multi-factor authentication (MFA). These are poised for seamless PQC upgrades, drawing from national initiatives to create `uncrackable' defenses against hackers, even in a quantum world.1. HDFC Infinia Credit Card (Metal Edition)Sashidhar Jagdishan, MD & CEO, HDFCThe HDFC Bank Infinia Credit Card (Metal Edition) is a by-invitation-only premium card designed for the elite. Built with robust chip-and-PIN and contactless security, it ensures protection that hackers can't crack. This `quantum' metal card unlocks unlimited global lounge access, 24x7 concierge support, luxury hotel stays, golf privileges, and up to 5 reward points on every 150 spent. With low forex markup, insurance cover, and zero liability on loss, it defines unmatched luxury with next-level digital security.EDITORIAL EXCLUSIVETOP 5 QUANTUM CREDIT CARDS THAT HACKERS CAN NEVER CRACKUNVEILING THE DUAL REALITIES OF DARK WEBSITES IN THE DIGITAL AGE· India is building credit cards and payments resistant to future quantum attacks.· Top banks offer elite cards with advanced chip, contactless, and multi-factor security.· National initiatives and startups make India a global leader in secure finance.By M R Yuvatha, Senior Correspondent, siliconindia
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