The activities of terrorists and terrorist groups puts every country at risk. As result, each country has to have a proper understanding of the nature of the exposure to such risks and improve its counter-terrorist-financing regime and the extent to which its financial system is connected to those higher risk jurisdiction.
Homegrown terrorists still represent the principal threat to European countries. These individuals are radicalized online, consult online tutorials and possibly connect with other radical elements through encrypted Internet applications. They do not require contact with the ISIL core or its authorization to claim attacks in its name.
It is reported that European foreign terrorist fighters in the Syrian Arab Republic and Iraq continued to provide an income stream for ISIL through a financing network across Europe. Financing from relatives was regularly observed, including through intermediaries based in Turkey. No observed large-scale organized fundraising in Europe on behalf of ISIL or Al-Qaida. Funds entering the ISIL core area often arrive in Turkey through money service businesses and then reach beneficiaries via hawala or cash courier.
Despite weaknesses in the current structure, the threat of a planned complex attack in Europe, especially by former expert operatives who have the ability to operate independently, is assessed to persist. Al-Qaida has also shown interest in large-scale attacks against symbolic European targets. In this regard, HAD is assessed to have a global agenda, including international attack planning and the establishment of clandestine structures.