Central banks worldwide have started researching and developing central bank digital currencies(CBDCs).In the digital economy context,concerns regarding the integrity,competition,and privacy of CBDC systems have also ...Central banks worldwide have started researching and developing central bank digital currencies(CBDCs).In the digital economy context,concerns regarding the integrity,competition,and privacy of CBDC systems have also gradually emerged.Against this backdrop,this study aims to evaluate users’willingness to use China’s digital currency electronic payment(DCEP)system,a digital payment and processing network,and its influencing factors by comprehensively considering and comparing the characteristics of cash and third-party payment services.Combining the push-pull-mooring frame-work(PPM)and task-technology fit(TTF)theory,we discuss the scenarios and mecha-nisms that may inspire users’DCEP adoption intention through an empirical study.The results reveal that privacy concerns regarding the original payment methods and technology-task fitting level of DCEP positively impact users’willingness to adopt DCEP.The technical characteristics of DCEP,users’payment requirements,and government support positively affect users’adoption intention by influencing the task-technology fitting degree of DCEP.Switching cost significantly and negatively impacts adop-tion intention,whereas relative advantage exhibits no significant effect.This research contributes to a better understanding of the factors that influence switching intentions and the actual use of DCEP,and provides policy guidance on promoting the efficiency and effectiveness of DCEP.展开更多
基金supported by the National Natural Science Foundation of China(71871172:Model of Risk knowledge acquisition and Platform governance in FinTech based on deep learning72171184:Grey Private Knowledge model of security and trusted BI on the federal Learning Perspective).
文摘Central banks worldwide have started researching and developing central bank digital currencies(CBDCs).In the digital economy context,concerns regarding the integrity,competition,and privacy of CBDC systems have also gradually emerged.Against this backdrop,this study aims to evaluate users’willingness to use China’s digital currency electronic payment(DCEP)system,a digital payment and processing network,and its influencing factors by comprehensively considering and comparing the characteristics of cash and third-party payment services.Combining the push-pull-mooring frame-work(PPM)and task-technology fit(TTF)theory,we discuss the scenarios and mecha-nisms that may inspire users’DCEP adoption intention through an empirical study.The results reveal that privacy concerns regarding the original payment methods and technology-task fitting level of DCEP positively impact users’willingness to adopt DCEP.The technical characteristics of DCEP,users’payment requirements,and government support positively affect users’adoption intention by influencing the task-technology fitting degree of DCEP.Switching cost significantly and negatively impacts adop-tion intention,whereas relative advantage exhibits no significant effect.This research contributes to a better understanding of the factors that influence switching intentions and the actual use of DCEP,and provides policy guidance on promoting the efficiency and effectiveness of DCEP.
