弥合加密货币的采用差距:了解影响潜在用户回避方法行为和实际用户持续使用的能力

IF 4.9 3区 管理学 Q1 INFORMATION SCIENCE & LIBRARY SCIENCE
Milad Armani Dehghani, Dionysios Karavidas, Alexandra Rese, Fulya Acikgoz
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引用次数: 0

摘要

随着加密货币的兴起及其对金融行业的影响,本文旨在探索导致非用户(潜在)回避行为意图和用户(实际)继续使用意图的加密货币功能,借鉴功能理论和鸿沟理论。设计/方法/方法作者收集了德国480名潜在和实际用户的数据,并使用最大似然结构方程模型(ML-SEM)进行分析。特别是,数据由德国的301个加密货币用户组成,作者使用ML-SEM来测试采用后模型。此外,还利用逻辑回归来确定各种加密货币的主要实际使用方法(价值存储或交换媒介)。根据研究结果,感知价值利益对潜在用户采用加密货币的行为意愿产生积极影响,并影响实际用户继续使用加密货币的意愿。然而,无论是在采用前还是采用后阶段,感知波动和金融风险承受能力都是阻碍加密货币采用的最关键因素。这是第一个揭示加密货币功能的研究,并根据非用户(潜在)和用户(实际)之间的差异,研究它们对加密货币采用的行为意图的影响。此外,作者探讨了加密货币持有者如何看待和投资不同的货币(例如nft),这揭示了影响他们决策的金融风险承受能力等因素。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Bridging the adoption gap for cryptocurrencies: understanding the affordances that impact approach–avoidance behavior for potential users and continuation usage for actual users
Purpose With the rise of cryptocurrency and its influence on the financial industry, this paper aims to explore cryptocurrency affordances that lead to approach–avoidance behavioral intentions for non-users (potential) and the intention to continue use for users (actual), drawing upon affordance theory and chasm theory. Design/methodology/approach The authors collected data from 480 potential and actual users in Germany and used maximum likelihood structural equation modeling (ML-SEM) to analyze it. In particular, the data consisted of 301 cryptocurrency users in Germany\ the authors used ML-SEM to test the post-adoption model. Additionally, logistic regression was utilized to determine the dominant actual usage method (store of value or medium of exchange) for various cryptocurrency coins. Findings According to the study's results, the perceived value benefits have a positive impact on the behavioral intention of potential users to adopt cryptocurrency, and they influence the intention of actual users to continue using it. However, both perceived volatility and financial risk tolerance are the most crucial factors hindering cryptocurrency adoption, whether in the pre-adoption or the post-adoption stage. Originality/value This is the first study to reveal cryptocurrency affordances and examine their effect on behavioral intentions toward cryptocurrency adoption based on the differences between non-users (potential) and users (actual). Furthermore, the authors explore how cryptocurrency holders perceive and invest in different coins (e.g. NFTs), which sheds light on factors such as financial risk tolerance that affect their decision making.
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来源期刊
Information Technology & People
Information Technology & People INFORMATION SCIENCE & LIBRARY SCIENCE-
CiteScore
8.20
自引率
13.60%
发文量
121
期刊介绍: Information Technology & People publishes work that is dedicated to understanding the implications of information technology as a tool, resource and format for people in their daily work in organizations. Impact on performance is part of this, since it is essential to the well being of employees and organizations alike. Contributions to the journal include case studies, comparative theory, and quantitative research, as well as inquiries into systems development methods and practice.
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