Systematic study of digital currency integration strategies within traditional banking systems

Posted: Oct 28, 2025

• Dr. Daniel Fischer
• Dr. Daniel Weber
• Dr. Elijah Silva

Abstract

This research presents a comprehensive investigation into the integration methodologies for digital currencies within conventional banking frameworks, addressing a critical gap in financial technology literature. Traditional banking institutions face unprecedented challenges in adapting to the rapid evolution of digital currencies, including cryptocurrencies, stablecoins, and central bank digital currencies (CBDCs). Our study introduces a novel multi-dimensional integration framework that synthesizes technological, regulatory, and operational perspectives, moving beyond the conventional binary approaches of either complete adoption or outright rejection. We developed a hybrid methodology combining qualitative case study analysis of pioneering financial institutions with quantitative modeling of integration scenarios across different market conditions. The research identifies three distinct integration archetypes—the Gateway Model, the Hybrid Ledger Model, and the Tokenized Asset Model—each with unique implementation pathways and risk profiles. Our findings demonstrate that successful integration requires not only technological adaptation but also fundamental organizational restructuring and strategic partnership development. The study reveals that institutions adopting phased integration strategies with clear regulatory compliance frameworks achieved 47