Applying the extended attitude formation theory to central bank digital currencies.

IF 7.1 3区 管理学 Q1 BUSINESS
Frédéric Tronnier, David Harborth, Patrick Biker
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Abstract

This work analyzes the attitude formation process of individuals for central bank digital currencies (CBDCs), specifically for the digital euro. CBDCs are heavily researched, with pilot projects being conducted worldwide. Following the emergence of cryptocurrencies and a decrease in cash usage for retail transactions, CBDCs are viewed as the possible payment solution of the future. Using a qualitative approach, we conduct expert and non-expert interviews to apply and extend existing research on attitude formation to study how individuals form attitudes towards a CBDC in Germany. We find that individuals form their attitudes towards a digital euro through the perceived benefits, limitations, and concerns regarding related payment solutions, moderated through the perceived equivalence of these related technologies and the CBDC. The results contribute to the literature on CBDC and can be used by practitioners to develop a digital euro that offers a competitive advantage for retail transactions over established payment solutions.

Abstract Image

扩展态度形成理论在央行数字货币中的应用。
这项工作分析了个人对央行数字货币(cbdc)的态度形成过程,特别是对数字欧元。对cbdc进行了大量研究,在世界范围内开展了试点项目。随着加密货币的出现和零售交易现金使用量的减少,cbdc被视为未来可能的支付解决方案。采用定性方法,我们进行了专家和非专家访谈,以应用和扩展现有的态度形成研究,以研究个人如何形成对德国CBDC的态度。我们发现,个人通过对相关支付解决方案的感知好处、限制和担忧来形成对数字欧元的态度,并通过感知这些相关技术和CBDC的等价性来调节。研究结果有助于CBDC的文献,从业者可以使用它来开发数字欧元,为零售交易提供比现有支付解决方案更具竞争优势的货币。
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来源期刊
Electronic Markets
Electronic Markets Multiple-
CiteScore
14.80
自引率
15.30%
发文量
85
期刊介绍: Electronic Markets (EM) stands as a premier academic journal providing a dynamic platform for research into various forms of networked business. Recognizing the pivotal role of information and communication technology (ICT), EM delves into how ICT transforms the interactions between organizations and customers across diverse domains such as social networks, electronic commerce, supply chain management, and customer relationship management. Electronic markets, in essence, encompass the realms of networked business where multiple suppliers and customers engage in economic transactions within single or multiple tiers of economic value chains. This broad concept encompasses various forms, including allocation platforms with dynamic price discovery mechanisms, fostering atomistic relationships. Notable examples originate from financial markets (e.g., CBOT, XETRA) and energy markets (e.g., EEX, ICE). Join us in exploring the multifaceted landscape of electronic markets and their transformative impact on business interactions and dynamics.
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