Organisational Challenges in Implementing Cryptocurrency Transaction Monitoring: an Analysis of Traditional Banking and Financial Institutions

Abstract

This paper provides a critical analysis of the organisational challenges associated with implementing cryptocurrency-based transaction monitoring in traditional banks. Despite blockchain and AI technologies having the potential to introduce greater transparency and detect anomalies in real time, the fragmentation of organisations, a lack of staff expertise and a lack of resources pose a bottleneck to the efficiency of these technologies. Comparative studies have shown that organisational inertia is often the cause of compliance failure, rather than technological incompetence. Suggested models include compliance by design, continuous human resource training and selective adoption of highly governed hybrid AI-blockchain frameworks. In combination with regulatory co-evolution, these approaches will be required to balance efficiency, accountability, and systemic stability in a rapidly evolving digital financial ecosystem.