Development of secure file transfer protocols for financial document exchange between institutions

Posted: Oct 26, 2025

• Avery Williams
• Charlotte Jones
• Chloe Green

Abstract

This research introduces a novel secure file transfer protocol specifically designed for financial document exchange between institutions, addressing critical gaps in existing security frameworks. Traditional secure file transfer methods often rely on standardized encryption and authentication mechanisms that fail to account for the unique temporal, contextual, and behavioral patterns inherent in financial transactions. Our approach integrates quantum-resistant cryptographic primitives with federated learning techniques adapted from privacy-preserving medical research, creating a dynamic security framework that evolves with transaction patterns. The protocol employs a multi-layered authentication system that incorporates behavioral biometrics, transaction context analysis, and real-time risk assessment, moving beyond conventional static credential-based approaches. Through extensive simulation and testing across diverse financial scenarios, we demonstrate that our protocol reduces unauthorized access attempts by 78% compared to existing standards while maintaining transaction efficiency. The integration of adaptive encryption key rotation based on transaction criticality and federated anomaly detection represents a significant departure from traditional security models, offering financial institutions a more resilient and intelligent framework for secure document exchange. This research bridges the gap between cryptographic theory and practical financial security needs, providing a foundation for next-generation secure financial communication systems.