{"title":"Measuring Crypto Literacy","authors":"Michael Jones, Truong Luu, Jack, Binny M. Samuel","doi":"10.1111/joca.70029","DOIUrl":null,"url":null,"abstract":"<p>We present the construction and validation of a scale for measuring cryptocurrency knowledge. As users continue to adopt digital currencies and government agencies introduce more regulatory legislation, researchers need to understand the general public's degree of literacy in this area. Measuring financial literacy has encouraged policymakers and educators to create programs that improve financial decision-making and increase financial empowerment. However, there is no similar corresponding scale to measure cryptocurrency (crypto) literacy. We address this gap by developing a robust survey instrument. The scale's development involves a rigorous process of item generation, analysis, and criterion validity. The resultant Crypto Literacy Scale (CLS) is a standardized measurement tool that contributes to ongoing efforts in financial education and regulation in the context of digital currencies and blockchain technology. We suggest several paths for future research in the emerging field of crypto literacy.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"59 4","pages":""},"PeriodicalIF":3.2000,"publicationDate":"2025-10-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/joca.70029","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Consumer Affairs","FirstCategoryId":"96","ListUrlMain":"https://onlinelibrary.wiley.com/doi/10.1111/joca.70029","RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"BUSINESS","Score":null,"Total":0}
引用次数: 0
Abstract
We present the construction and validation of a scale for measuring cryptocurrency knowledge. As users continue to adopt digital currencies and government agencies introduce more regulatory legislation, researchers need to understand the general public's degree of literacy in this area. Measuring financial literacy has encouraged policymakers and educators to create programs that improve financial decision-making and increase financial empowerment. However, there is no similar corresponding scale to measure cryptocurrency (crypto) literacy. We address this gap by developing a robust survey instrument. The scale's development involves a rigorous process of item generation, analysis, and criterion validity. The resultant Crypto Literacy Scale (CLS) is a standardized measurement tool that contributes to ongoing efforts in financial education and regulation in the context of digital currencies and blockchain technology. We suggest several paths for future research in the emerging field of crypto literacy.
期刊介绍：
The ISI impact score of Journal of Consumer Affairs now places it among the leading business journals and one of the top handful of marketing- related publications. The immediacy index score, showing how swiftly the published studies are cited or applied in other publications, places JCA seventh of those same 77 journals. More importantly, in these difficult economic times, JCA is the leading journal whose focus for over four decades has been on the interests of consumers in the marketplace. With the journal"s origins in the consumer movement and consumer protection concerns, the focus for papers in terms of both research questions and implications must involve the consumer"s interest and topics must be addressed from the consumers point of view.
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