Systematic analysis of regulatory compliance challenges in multinational banking operations post-financial crisis

Posted: Oct 28, 2025

• Dr. Prof. Victor Johansson
• Dr. Prof. Victoria Ivanov
• Dr. Prof. Victoria Müller

Abstract

The global financial crisis of 2008 precipitated an unprecedented wave of regulatory reforms that fundamentally reshaped the operational landscape for multinational banking institutions. In the decade following the crisis, financial regulators worldwide implemented thousands of new rules, guidelines, and reporting requirements aimed at strengthening financial stability and preventing future systemic collapses. This regulatory proliferation has created a complex web of compliance obligations that multinational banks must navigate across multiple jurisdictions, often with conflicting or overlapping requirements. While substantial research has examined individual regulatory frameworks such as Dodd-Frank, Basel III, or MiFID II, there remains a critical gap in understanding how these regulations interact systemically and create emergent challenges that transcend individual rule analysis. This research addresses this gap through a novel computational approach that treats the global regulatory environment as a complex adaptive system. Traditional compliance research has typically focused on individual regulations or bilateral jurisdictional comparisons, failing to capture the network effects that emerge when multiple regulatory regimes interact within a single multinational banking organization. Our study represents the first comprehensive attempt to model these interactions systematically and quantify them.