ISO/TS 14742:2025
(Main)Financial services — Recommendations and requirements on cryptographic algorithms and their use
Financial services — Recommendations and requirements on cryptographic algorithms and their use
This document provides a list of recommended ISO cryptographic algorithms for use within applicable ISO TC 68, Financial services, standards. It also provides strategic guidance on key lengths and associated parameters and usage dates. This document focuses on core algorithms, key lengths and frequently used mechanisms. The included algorithms are considered to be fit for purpose for financial service use. For additional algorithms, see the body of standards produced by ISO/IEC JTC 1 SC 27, Information security, cybersecurity and privacy protection. For standards on key management, see ISO 11568. The categories of algorithms covered are: a) block ciphers and modes of operation; b) stream ciphers; c) message authentication codes (MACs); d) authenticated encryption algorithms; e) format preserving encryption; f) hash functions; g) asymmetric algorithms: 1) digital signature schemes giving message recovery; 2) digital signatures with appendix; 3) asymmetric ciphers. h) authentication mechanisms; i) key derivation, establishment and agreement mechanisms; j) key transport mechanisms: 1) key wrapping. This document does not define any cryptographic algorithms. However, the standards to which this document refers contain necessary implementation information as well as more detailed guidance regarding choice of security parameters, security analysis and other implementation considerations.
Services financiers — Recommandations et exigences relatives aux algorithmes cryptographiques et leur utilisation
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ISO/TS 14742
First edition
Financial services —
2025-11
Recommendations and
requirements on cryptographic
algorithms and their use
Services financiers — Recommandations et exigences relatives
aux algorithmes cryptographiques et leur utilisation
Reference number
© ISO 2025
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Contents Page
Foreword .v
Introduction .vi
1 Scope . 1
2 Normative references . 1
3 Terms and definitions . 2
4 Algorithm strength and key cryptoperiod . 2
4.1 Measuring bits of security .2
4.2 Cryptographic algorithm migration .3
4.3 Key cryptoperiod.5
5 Block ciphers . 5
5.1 General .5
5.2 Keying options .6
5.2.1 Keying options for TDEA .6
5.2.2 Keying options for AES .6
5.2.3 Keying options for Camellia .6
5.2.4 Keying options for SM4 . .6
5.3 Recommended block ciphers .6
5.4 Cipher block size and key use .7
5.5 Modes of operation .8
5.6 Enciphering small plaintexts .8
5.7 Migrating from TDEA to AES .8
6 Stream ciphers . 8
7 Message authentication codes (MACs) . 9
7.1 Recommended MAC algorithms .9
7.2 MAC algorithms based on block ciphers .9
7.3 MAC algorithms based on hash functions .9
7.4 Length of the MAC .10
7.5 Message span of the key .10
8 Authenticated encryption . 10
8.1 Recommended authenticated encryption methods .10
8.2 Key wrap .11
8.3 CCM . 12
8.4 EAX . 12
8.5 Encrypt-then-MAC . 12
8.6 Galois Counter Mode . . 12
9 Format preserving encryption .12
10 Hash functions .13
10.1 Hash functions and their properties . 13
10.2 Hash functions based on block ciphers. 13
10.3 Dedicated hash functions. 13
10.4 Hash functions using modular arithmetic .14
10.5 Migrating from one hash function to another .14
11 Asymmetric algorithms .15
11.1 General . 15
11.2 Factorization-based security mechanisms .18
11.3 Integer discrete logarithm-based security mechanisms .19
11.4 Elliptic curve discrete logarithm-based security mechanisms .19
11.5 Algorithm or key expiry . 20
11.6 Digital signature schemes giving message recovery. 20
11.7 Digital signatures with appendix . 20
iii
11.8 Post-quantum algorithms .21
11.9 Blind digital signatures .21
11.10 Asymmetric ciphers .21
11.10.1 Overview .21
11.10.2 Hybrid ciphers . 22
11.10.3 RSAES . 23
11.10.4 HIME(R) . 23
12 Random number generation .24
Annex A (informative) Entity authentication and key management mechanisms .25
Bibliography .32
iv
Foreword
ISO (the International Organization for Standardization) is a worldwide federation of national standards
bodies (ISO member bodies). The work of preparing International Standards is normally carried out through
ISO technical committees. Each member body interested in a subject for which a technical committee
has been established has the right to be represented on that committee. International organizations,
governmental and non-governmental, in liaison with ISO, also take part in the work. ISO collaborates closely
with the International Electrotechnical Commission (IEC) on all matters of electrotechnical standardization.
The procedures used to develop this document and those intended for its further maintenance are described
in the ISO/IEC Directives, Part 1. In particular, the different approval criteria needed for the different types
of ISO documents should be noted. This document was drafted in accordance with the editorial rules of the
ISO/IEC Directives, Part 2 (see www.iso.org/directives).
ISO draws attention to the possibility that the implementation of this document may involve the use of (a)
patent(s). ISO takes no position concerning the evidence, validity or applicability of any claimed patent
rights in respect thereof. As of the date of publication of this document, ISO had not received notice of (a)
patent(s) which may be required to implement this document. However, implementers are cautioned that
this may not represent the late
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