This workbook provides insights for researchers, analysts, and practitioners on how terrorist and violent extremist groups utilize financial technologies and cryptocurrencies to fund their activities. It outlines the process of terrorist adoption of these technologies, aiding analysts in predicting when such adoption might occur. The workbook emphasizes that terrorist organizations tend to gradually adopt new technology and strategies, with finance being a less innovative area due to external constraints. Most terrorist actors are bound by established financial and economic systems, making innovation in terrorist financing challenging. Therefore, their financial patterns are more about adaptation and learning than innovation.

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