Blockchain Papers

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904 papersLast indexed Aug 31, 2026
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Apr 16, 2025¡Proceedings of the ACM on Human-Computer Interaction
2 cites
The Jade Gateway to Trust: Exploring How Socio-Cultural Perspectives Shape Trust Within Chinese NFT Communities

Yifan Cao, Reza Hadi Mogavi, Meng Xia, Leo Yu‐Ho Lo · 9 authors

Today's world is witnessing an unparalleled rate of technological transformation. The emergence of non-fungible tokens (NFTs) has transformed how we handle digital assets and value. These tokens have captured the interest of scholars and businesspeople alike. However, NFTs have recently seen a sharp decline in popularity. While cryptocurrency volatility and monetary policies greatly influenced NFT market trends, the community aspects of NFT projects--particularly trust-based interactions--also play a crucial role in NFT adoption and sustainability. From a social computing perspective, understanding these trust dynamics offers valuable insights for the development of both the NFT ecosystem and the broader digital economy. China presents a compelling context for examining these dynamics, offering a unique intersection of technological innovation and traditional cultural values. Through an in-depth qualitative study of Chinese NFT communities, we examine how socio-cultural factors influence trust formation and development. We analyzed discussions from eight prominent WeChat groups dedicated to NFTs and conducted 21 semi-structured interviews with three types of NFT community members. We found that trust in Chinese NFT communities is significantly molded by local cultural values. To be precise, Confucian virtues, such as benevolence, propriety , and integrity , play a crucial role in shaping these trust relationships. Our research identifies three critical trust dimensions in China's NFT market: (1) technological , (2) institutional , and (3) social . We examined the challenges in cultivating each dimension. Based on these insights, we developed tailored trust-building guidelines for Chinese NFT stakeholders. These guidelines address trust issues that factor into NFT's declining popularity and could offer valuable strategies for CSCW researchers, developers, and designers aiming to enhance trust in global NFT communities. Our research urges CSCW scholars to take into account the unique socio-cultural contexts when developing trust-enhancing strategies for digital innovations and online interactions.

Open access
2 source records
Blockchain Technology Applications and Security
Digital Marketing and Social Media
Technology Adoption and User Behaviour
Original source
Apr 16, 2025¡2025 11th International Conference on Web Research (ICWR)
2 cites
An Analytical Study of Barriers to Blockchain Adoption in International Trade

Javad Vasheghani Farahani, Thomas Schlechter

The blockchain technology is a ground-breaking invention that has the potential to transform international trade by facilitating transparent, safe, and decentralized operations. Blockchain could create ∃3.1 trillion in economic value by 2030, according to World Economic Forum forecasts, but adoption of the technology is still low, especially among small and medium-sized enterprises. This study uses a survey-based research design and focuses on 22 businesses in the retail, logistics, manufacturing, and commodities trading sectors. Respondents were guaranteed to possess the technical know-how or decision-making power required for blockchain adoption because the survey was targeted at senior-level professionals in supply chain management, finance, or IT. Companies that engage in international trade were chosen because blockchain's features transparency, automation, and security are especially well-suited to addressing inefficiencies in cross-border transactions. Key findings show that only 14% of respondents have successfully incorporated blockchain into their operations, and 68% of respondents know very little or nothing about it. High initial implementation costs, regulatory ambiguities, and gaps in technical knowledge are significant obstacles. In order to verify the dataset's accuracy and applicability, survey answers were compared to publicly accessible information on the businesses’ technology projects. The study also looked at three important factors: blockchain awareness and readiness, crucial components of business operations, and current difficulties in international transactions. The study provides practical suggestions, such as the creation of focused educational programs, frameworks for modular integration, and harmonization of international regulations. Blockchain has the potential to improve security, speed up international trade procedures, and cut transaction costs by up to 30% by removing these obstacles.

Blockchain Technology Applications and Security
Impact of AI and Big Data on Business and Society
Technology Adoption and User Behaviour
Original source
Apr 15, 2025¡International Review of Management and Marketing
1 cites
Regulation as a Game-Changer: Factors Driving Cryptocurrency Adoption among Millennials

Sharareh Shahidi Hamedani, Patrick Brian Francis, Sarfraz Aslam

Cryptocurrency is a digital asset designed to work as a medium of exchange that utilizes cryptography for security, unlike traditional currencies. Generally, the acceptance of Cryptocurrency in Malaysia is still in its early stages of adoption. The study examined the key factors influencing Millennials' willingness in Malaysia and how regulation moderates the relationship between these factors and Millennials' willingness to adopt cryptocurrency. Data were collected using a questionnaire developed from the literature. A total of 385 respondents from the millennial age group participated in this study. SMART PLS software was used for analysis involving measurement and structural models. The findings indicated interesting results. Millennials were very aware of cryptocurrency. However, when applying the regulation moderator, the results showed a high understanding of the importance mainly derived from Social Influences. The adoption of the knowledge in practice was not significant. With the inclusion of the major banking institutions, the market scope of cryptocurrency will inevitably increase soon.

Open access
Digital Marketing and Social Media
Technology Adoption and User Behaviour
Original source
Apr 12, 2025¡Journal of Humanistic Psychology
3 cites
Exploring User Perceptions of Peak Experience in Extended Reality User Experiences in Immersive and Augmented Spaces: A Case Study of the Jadu Web3 Community

Sunil Thaker, Maxi Heitmayer

Extended reality holds the potential to alter human experiences. This project explores user perceptions of peak experience (PE), a state of self-actualization and fulfillment, within augmented spaces and the potential role it can play for designers and developers to effectively engage immersive World Wide Web (Web3) communities. Semi-structured interviews, including an interactive experience stimulus, with key stakeholders in the Web3 space (staff from global immersive technology entities, brand collaborators, and community members, n = 15) were conducted. The findings reveal rich opportunities for users to experience surprise, delight, and a sense of connection and belonging in these spaces. They further suggest the potential to reshape and extend current user experiences by moving the focus of design toward crafting PEs. This holds great value for users to achieve a fuller sense of self-actualization and for content creators to connect to their communities in more meaningful ways.

Open access
Virtual Reality Applications and Impacts
Augmented Reality Applications
Technology Adoption and User Behaviour
Original source
Apr 11, 2025¡The Journal of Strategic Information Systems
12 cites
Socio-technical phenomena involving blockchain use: Literature review, conceptual framework, and research agenda

Shaoxin Wang, Daniel Schlagwein, Mike Seymour

This paper reviews the emerging literature on blockchain, structuring key insights in a conceptual framework and setting out a research agenda from a socio-technical and information systems (IS) perspective. The review covers 234 blockchain-focused papers across IS, management, computer science and related fields. It categorises blockchain use into three main types and reframes blockchain use within the socio-technical phenomena of which it is a part. This broader framework enables us to aggregate, integrate and synthesise knowledge about blockchain, its values, drivers and barriers, social and technical subsystem(s), as well as potential consequences, both intended and unintended. Using this framework as a basis for analysis, we identify gaps in the existing blockchain literature and outline a research agenda for advancing blockchain studies within the IS field.

Open access
Blockchain Technology Applications and Security
Technology Adoption and User Behaviour
Green IT and Sustainability
Original source
Apr 8, 2025¡The Bottom Line Managing Library Finances
8 cites
Factors influencing blockchain-based cryptocurrency adoption: empirical evidence from an emerging economy

Kübra Çalışkan, Aykut Hamit Turan

Purpose This paper aims to elucidate the factors influencing individuals’ cryptocurrency adoption within the distinctive socio-economic context of a developing country. It argues that encouraging financial innovation and understanding cryptocurrency adoption is crucial for businesses, regulators and researchers. Design/methodology/approach It investigates factors affecting cryptocurrency adoption by integrating the Theory of Planned Behavior (TPB), Innovation Diffusion Theory (IDT) and the Trust-Risk Framework. It employed Structural Equation Modeling (SEM) on data collected from 370 respondents. Findings Results indicate that attitude significantly influences intention to use cryptocurrency, with trust being the most influential factor shaping attitude. Relative advantage and compatibility positively influence attitudes toward cryptocurrency, whereas complexity has a negative effect. Observability was not a significant predictor of attitude. Interestingly, perceived risk positively affects trust in cryptocurrencies. Research limitations/implications Findings reflecting the context of Türkiye may not be generalizable to countries with different cultural or legal contexts. The high education level of participants could introduce bias due to their likely higher technology literacy. Practical implications The findings inform various stakeholders about cryptocurrency adoption in emerging countries. Social implications Understanding dynamics influencing attitudes and intentions contributes to socio-economic discussions on integrating cryptocurrencies into mainstream financial systems. Originality/value This research contributes to theory and practice by providing empirical insights into the dynamics of cryptocurrency adoption in emerging countries. By synthesizing established theories, this study advances understanding and enriches comprehension of the factors influencing adoption in emerging economies.

Blockchain Technology Applications and Security
Technology Adoption and User Behaviour
FinTech, Crowdfunding, Digital Finance
Original source
Apr 7, 2025¡Communications in Humanities Research
0 cites
Understanding the Dynamics of NFTs: Market Challenges and Sustainability

Jin‐Lei Wu

This paper explores the emerging virtual economy with a specific focus on virtual goods and non-fungible tokens (NFTs), examining their unique market dynamics, social relevance, and factors influencing their valuation. The work delves into the role of social dynamics, user engagement, and speculative investments in determining the prices of virtual goods, while also addressing the speculative risks inherent in this digital marketplace. Through case studies like the Bored Ape Yacht Club (BAYC), stakeholders highlight how exclusivity, celebrity endorsements, and active community participation shape the perceived value of NFTs. This research aims to provide a comprehensive understanding of the value drivers in the NFT market and offer strategies for stakeholders to navigate volatility and achieve long-term success in the digital asset ecosystem.

Open access
Digital Games and Media
Sharing Economy and Platforms
Technology Adoption and User Behaviour
Original source
Apr 2, 2025¡2025 12th International Conference on Computing for Sustainable Global Development (INDIACom)
1 cites
Enhancing E-Procurement Efficiency Using Blockchain and NFTs

Sagar Mohite, Aditya Babar, Nishant Gund, Nalini Jain ¡ 6 authors

The increasing demand for transparency, efficiency, and security in e-procurement has necessitated the exploration of blockchain technology as a new solution. In this work, a permissioned blockchain model is proposed that is aimed at enhancing the integrity of the data, ensuring secure participant enrollment through digital ID verification, and supporting automated purchase processes through smart contracts. The proposed solution utilizes Non-Fungible Tokens (NFTs) for supplier qualification authentication and the Interplanetary File solution (IPFS) for secure, distributed storage of contract and tender files. The proposed architecture utilizes the decentralization, immutability, and cryptographic protection features of blockchain technology in order to reduce the threat of fraud and establish stakeholder trust. A comparative study through existing studies and case studies illustrates that this system is capable of reducing the tender assignment period, eliminating unauthorized manipulation of information, and enhancing the overall effectiveness of e-procurement processes. This article identifies the socioeconomic advantages of adopting blockchain-based e-procurement, providing a cost-effective, secure, and transparent alternative to conventional e-procurement procedures.

Blockchain Technology Applications and Security
Organizational and Employee Performance
Technology Adoption and User Behaviour
Original source
Apr 1, 2025¡SAGE Open
4 cites
Empirical Analysis of Factors Influencing the Behavioral Intention to Use Cryptocurrency Among Mongolian Customers: Extended UTAUT2 Model

Delgertsetseg Delgerjargal, Delgertsetseg Delgerjargal, Ankhbileg Khurelbaatar, Delgerbayar Delgerjargal ¡ 5 authors

This study aims to determine factors that influence Mongolian customers’ intention to use cryptocurrency, which is a virtual currency created by fast-growing technology. For the theoretical framework, the extended Unified Theory of Acceptance and Use of Technology (UTAUT2) along with received risk and financial literacy was used. Data in this study were collected by conducting survey questionnaires from cryptocurrency users of cryptocurrency platforms in Mongolia. Analyzing the data which consists of 720 valid datasets was accomplished by using SmartPLS software. The results of partial least squares structural equation modeling (PLS-SEM) showed that behavioral intention to use cryptocurrency is significantly and positively influenced by performance expectancy, price value, perceived risk, hedonic motivation, and facilitating conditions. In contrast, financial literacy has a significant negative impact on the behavioral intention to use cryptocurrency. The other two variables, effort expectancy and social influence, have no impact on cryptocurrency use. The proposed model explains 59.3% of the total variance in intention to use cryptocurrency among Mongolian customers. The outcomes of our study hold noteworthy implications for policymakers, individual users, and stakeholders within the cryptocurrency domain, as well as researchers engaged in scholarly investigations within this field. JEL Classification : G4, G11.

Open access
Consumer Retail Behavior Studies
Digital Marketing and Social Media
Technology Adoption and User Behaviour
Original source
Mar 28, 2025¡Journal of Economic Criminology
15 cites
Leveraging blockchain technology adoption in the fight against corruption: An evaluation of Ghana's readiness

Boadu Ayeboafo, Sampson Anomah, Kwaku Amofah

This study examines the adoption and use of blockchain technology as a proactive tool against white-collar crimes in Ghana, using the Technology Acceptance Model (TAM) as a framework. A survey of professionals from regulatory bodies, financial institutions, and anti-corruption agencies was conducted to gather quantitative data. The analysis focused on key TAM constructs—Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Attitude Toward Use (ATU), and Behavioral Intention (BI)—to evaluate their impact on Actual System Use (AU). Findings indicate that PU and PEOU significantly influence BI, while ATU and BI strongly affect AU. External factors, such as regulatory frameworks and technological infrastructure, had limited influence, underlining the importance of perceived utility and ease of use in driving blockchain adoption. This research provides critical insights for policymakers and organizations, highlighting the need to promote positive perceptions of blockchain to encourage its adoption in anti-corruption initiatives. It uniquely assesses Ghana’s readiness for blockchain integration in combating corruption, addressing gaps in the literature on technology adoption in less regulated environments. The study offers actionable recommendations for enhancing transparency, accountability, and the efficacy of anti-corruption efforts through blockchain technology.

Open access
Blockchain Technology Applications and Security
FinTech, Crowdfunding, Digital Finance
Technology Adoption and User Behaviour
Original source
Mar 26, 2025¡International Journal for Research in Applied Science and Engineering Technology
0 cites
Tracking Personnel using NFC Devices: A Study on the Feasibility and Benefits

S Sudhip, Pratyush Sthapit, S. Maheshwari, Samarjit Sahu ¡ 5 authors

Abstract: In today's fast-paced world, tracking personnel has become a necessity for various organizations, especially in industries such as Police Department, and security. The use of Near Field Communication (NFC) devices has emerged as a promising technology for tracking personnel. This paper presents a study on the feasibility and benefits of tracking personnel using NFC devices. Our study is based on NFC (Near Field Communication) which is A wireless communication technology that allows two devices to Exchange data when they are brought into proximity. NFC when used in reader/writer mode NFC device can read From NFC transponders or NFC writer. NFC when used in peerTo-peer mode NFC can be used to exchange information Between two NFC enabled devices and in card emulation mode NFC device can be used with Contactless Card for various Purposes like paying money or exchanging information Security of NFC device can be ensured by various means of Encryption and now we have new web3 technology.

Open access
User Authentication and Security Systems
Privacy, Security, and Data Protection
Technology Adoption and User Behaviour
Original source
Mar 25, 2025¡International Journal of Innovation Science
19 cites
Financial innovation: predicting determinants of blockchain technology adoption and its impact on financial firms performance

Aws Al-Okaily

Purpose This study aims to empirically examine and analyze the technological factors that influence the adoption of blockchain technology, particularly within the financial industry. It also predicts how adopting blockchain technology may affect financial firms’ performance from a multiple-measure perspective. Design/methodology/approach The research model was validated using quantitative data collected from 144 decision-makers working in Jordanian financial firms. The data was obtained through a cross-sectional survey approach and analyzed using partial least squares structural equation modeling. Findings The research results demonstrated that technological factors such as data security, technology compatibility, technology readiness and relative advantage significantly influenced blockchain technology adoption. The findings also provide evidence that blockchain technology adoption positively impacts innovation, operational, market and financial performance. Research limitations/implications This research was focused solely on technological factors that affected blockchain technology adoption in the financial industry in the Jordanian context. Further research can investigate organizational, environmental or economic factors that affect blockchain adoption to better generalize the findings. Practical implications The study offers valuable insights into the determinants and benefits of blockchain technology adoption in the financial industry. The results of this research can be used to guide practitioners and policymakers toward promoting and facilitating the use of blockchain technology in financial firms. Originality/value The study fills a significant gap in the academic literature since only a few studies have endeavored to ascertain the determinants of blockchain technology adoption and its impact on the performance of financial firms in the context of a developing country like Jordan.

Blockchain Technology Applications and Security
Organizational and Employee Performance
Technology Adoption and User Behaviour
Original source
Mar 22, 2025¡Asia Pacific Journal of Marketing and Logistics
3 cites
Unveiling the path to brand engagement: unleashing the power of perceived advantage and technology adoption

Shu-Ning Zhang, Chih‐Hsing Liu

Purpose This study explores the relationship between perception of advantage, technology adoption propensity (TAP), technology readiness and brand engagement in the context of non-fungible token (NFT) adoption. Design/methodology/approach Through empirical research and structural equation model (SEM) analysis, this research collects data from hotel managers to improve understanding of NFT adoption in the hotel industry and provide valuable insights for hotel managers, industry professionals and researchers. Findings The findings reveal that perception of advantage, including perceived usefulness and perceived ease of use, indirectly influences brand engagement through TAP and technology readiness. Additionally, the study finds that hotel image acts a moderating mechanism role in the relationship between perception of advantage and technology adoption propensity. Originality/value The study provides valuable insights for hotel managers by emphasizing the importance of perception of advantage and hotel image in driving technology adoption and enhancing brand engagement. This investigation contributes to the understanding of the factors influencing technology adoption and brand engagement, particularly in the context of NFT adoption.

Digital Marketing and Social Media
Technology Adoption and User Behaviour
Consumer Retail Behavior Studies
Original source
Mar 20, 2025¡The TQM Journal
26 cites
Unlocking the potential: exploring the drivers behind blockchain and its influence on SMEs performance within TOE framework

Mohd Abass Bhat, Shagufta Tariq Khan, Abeer F. Alkhwaldi, Amir A. Abdulmuhsin

Purpose This study aims to identify the factors influencing blockchain adoption and assess its impact on the financial and market performance of small and medium-sized enterprises (SMEs) in Oman, utilizing the Technology–Organization–Environment (TOE) framework. Design/methodology/approach The nature of the study is explanatory based on data gathered from 282 SME owners and managers/employees using a convenience sampling method. After examining construct validity and reliability, Partial Least Squares with Structural Equation Modelling was used to examine the proposed model of the study. Findings The results indicate that all the determinants, including Cost Concerns, Top Management Support, Relative Advantage, Technology Compatibility, Security Concerns and Technological Readiness are significant load-on drivers for blockchain adoption. However, Government Policy and Vendor Support were deemed insignificant contributors to blockchain adoption. Moreover, the adoption of blockchain has a favourable effect on both financial as well as market performance. Practical implications The study finds that there is a great possibility of blockchain technology transforming SMEs in Oman by boosting data security, transparency and efficiency of processes. This supports Vision 2040 for Oman towards advancing technology, economic development and job creation. Managers and policy makers should, therefore, encourage the adoption of this innovation. Originality/value The study highlights the importance of blockchain technology in small and medium-sized firms (SMEs) in Oman, in line with the national authorities' economic development plans in Vision 2040. The findings of the study will add significantly to the existing body of knowledge by providing a holistic understanding of the determinants of blockchain adoption in SMEs from the perspective of the TOE framework and its influence on performance.

Blockchain Technology Applications and Security
Organizational and Employee Performance
Technology Adoption and User Behaviour
Original source
Mar 19, 2025¡Frontiers in Sustainable Food Systems
13 cites
Determinants of smallholder barley farmers' intentions to adopt blockchain technology: a Technology Acceptance Model approach in Uganda

Racheal Ninsiima, Patience Mshenga, Dickson Okello

Introduction Technological change is a mega trend that drives sustainable development in the agrifood sector globally. The introduction of BanQu, a blockchain-enabled platform, aimed to address challenges like lack of transparency, side-selling, and unfair pricing in Uganda's barley value chain, but its acceptance has been slow. While blockchain adoption has thrived in developed countries and large supply chains, empirical evidence on its uptake among smallholder farmers in Sub-Saharan Africa, especially Uganda, remains limited. This study investigates determinants of smallholder barley farmers' intentions to accept blockchain technology (BCT) in Uganda. Methods The study utilized the second extension of the Technology Acceptance Model (TAM2), customized to fit Uganda's context. Quantitative data were gathered from 245 farmers in Bukwo and Kween, the two leading barley-producing districts in eastern Uganda. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Results and discussion The study showed that perceived usefulness (PU) significantly influenced behavioral intention (BI) and shaped perceived ease of use (PEU). Subjective norms (SUN) and voluntariness (BV) enhanced PU, while perceived behavioral control (PBC) improved PEU. Notably, BCT relevance (BR) directly influenced BI, bypassing PU. These findings provide fresh insights into rural technology adoption, highlighting PU's influence on PEU and BV's role in shaping PU. The study recommends emphasizing BCT benefits such as reducing transaction costs, leveraging social networks, and addressing resource gaps to boost acceptance. This study advances understanding of BCT adoption among smallholder farmers in emerging economies like Uganda.

Open access
Technology Adoption and User Behaviour
Innovation and Socioeconomic Development
Original source
Mar 18, 2025¡Journal of Consumer Behaviour
19 cites
Community and Consumer Dynamics in NFTs : Understanding Digital Asset Value Through Social Engagement

Kristina Brahmstaedt

ABSTRACT While non‐fungible tokens (NFTs) have emerged as a significant blockchain application, research has largely focused on market dynamics rather than consumer behavior. Through in‐depth interviews with 21 NFT consumers and a netnographic analysis of Discord interactions (109,517 words), this study develops a comprehensive framework explaining the evolution from initial purchase to sustained or discontinued interest in NFTs. The findings reveal that while profit expectations drive initial purchases, strong community bonds and social identity formation are crucial for maintaining engagement. Specifically, active community participation, both before and after purchases, creates a self‐reinforcing cycle where engagement directly influences NFT valuation. However, unfulfilled profit expectations and perceived community abandonment by project leaders often lead to disillusionment. The study extends the Need‐to‐Belong and Social Identity Theory to the digital asset context, demonstrating how NFT communities serve as platforms for identity expression and emotional support, transcending purely financial motivations. For practitioners, the findings suggest that sustainable NFT projects should prioritize community building and transparent leadership over short‐term speculation. This research provides the first longitudinal analysis of NFT consumer behavior, offering insights into how digital assets can create enduring value through social engagement rather than merely speculative trading.

Open access
Digital Marketing and Social Media
Technology Adoption and User Behaviour
Cultural Industries and Urban Development
Original source
Mar 17, 2025¡Humanities and Social Sciences Communications
11 cites
The implementation of blockchain adoption in China’s manufacturing industry: the technology organization environment (TOE) method

Ying Teng, Kuo‐Chung Shang, Hui-Chih Wang, Szu‐Yu Kuo · 5 authors

By drawing from the Technology-Organization-Environment (TOE) theory, this research aims to develop a model to examine the adoption of a blockchain technology based on a survey from 362 manufacturers in Sichuan, China. A structural equation modeling method was adopted to analyze the effects of the TOE approach on the manufacturer’s adoption of blockchain technology. The results indicated that technology, organization, and the environment had positive effects on the manufacturer’s adoption of blockchain technology. Organizational factors are significant antecedents to a manufacturer’s adoption of blockchain technology, followed by technological and environmental factors. Specifically, this research found that environmental factors had a moderating effect and strengthened the influence of organizational factors on the manufacturer’s adoption of blockchain technology. Managerial and theoretical implications from the research findings were discussed to develop blockchain technology in the manufacturing industry.

Open access
Blockchain Technology Applications and Security
Technology Adoption and User Behaviour
Digital Transformation in Industry
Original source
Mar 6, 2025¡foresight
1 cites
Investigating factors affecting Bitcoin adoption using the technology acceptance model in Iraq

Rasha Duraid Hanna, Bassam A. Alyouzbaky

Purpose The purpose of this study is to determine the factors affecting the adoption of the use of Bitcoin by members of Iraqi society. Design/methodology/approach The deductive approach was used based on the technology acceptance model (TAM). The data were collected by an electronic questionnaire that was prepared based on several previous studies, obtaining 527 responses. Structural equation modeling was used by SmartPLS software to analyze the data and test the hypotheses. Findings This study reached a set of results, the most important of which was that each of the compatibility, security and perceived trust affects the contracts of the TAM (behavioral intention, perceived ease of use, perceived usefulness) except the effect of security on behavioral intention. Research limitations/implications This study focused on identifying the opinions of the respondents from the general community and was not limited to a specific segment. On the other hand, despite identifying the demographic characteristics of the respondents, this study did not test the impact of these characteristics on the intention to use digital currency. Practical implications This study is expected to help financial institutions in general to understand the future behavior of community members toward dealing with Bitcoin and to make decisions regarding how to direct the financial policy in the country; in addition, it will also contribute to educating the citizens of countries about the risks related to this currency. Originality/value The survey of previous studies revealed a significant decrease in this study of the behavior of individuals in Arab societies in general toward dealing with Bitcoin and in Iraq in particular, forming a spatial gap. The results of this study are expected to help improve community members’ dealings with digital currency based on their perceptions of trust, security and compatibility. This study will also contribute to assisting financial and monetary policymakers when dealing with this currency.

Blockchain Technology Applications and Security
Technology Adoption and User Behaviour
Organizational and Employee Performance
Original source
Mar 1, 2025¡International Journal of Research Publication and Reviews
0 cites
A Study on Popularity of Digital Currency and Digital Economy

Karthik Vancheeswaran

The research examines the increased popularity of electronic currencies as well as the radical change towards a digital economy.In the last decade, the use of cryptocurrencies like Bitcoin, Ethereum, and newly formed central bank digital currencies (CBDCs) has gained momentum, capturing extraordinary shifts in financial frameworks as well as in global economic models.The study examines the factors driving the growing adoption of digital currencies, noting their advantages including decentralization, improved security, lower transaction costs, and the capacity to enable cross-border payments.Aside from analysing the economic and technological drivers of digital currency adoption, the research looks at the general implications of digital finance on the existing banking systems, monetary policy, and regulatory regimes.The research also discusses the potential role of digital currencies in promoting financial inclusion, especially in areas with limited access to mainstream banking services.In addition, the research examines how the growth of the digital economy, typified by the convergence of digital currencies, blockchain technology, and decentralized finance (DeFi), is changing business models and consumer behaviours in various industries.The research, conducted through a mixture of surveys, case studies, and interviews with experts, cites major challenges including volatility, regulatory ambiguity, and security risks that may affect future stability and development of digital currencies. REVIEW OF LITERATUREDevlin (2019) -An Analysis of main and subsidiary credit card holding and spending.This research aims to investigate why the majority of multiple credit card holders hold a "main" card (i.e., one that is more frequently used than the others) and "subsidiary" cards (i.e., ones used less frequently or in an emergency situation) and the spending behaviour on main and subsidiary cards.

Open access
E-commerce and Technology Innovations
Technology Adoption and User Behaviour
FinTech, Crowdfunding, Digital Finance
Original source
Feb 22, 2025¡International Journal of Contemporary Hospitality Management
11 cites
What drives Millennials and Generation Z to adopt cryptocurrency for hotel payments?

Jehun Moon, Mehmet Erdem, Özgür Özdemir, Hyelin Kim · 5 authors

Purpose This study aims to investigate and compare the factors that affect Millennials and Generation Z (Gen Z) hotel guests’ intention to adopt cryptocurrency payments (CPs) when booking a hotel. Design/methodology/approach A sequential mixed-methods approach was used. Study 1 included 20 semi-structured interviews. The qualitative findings subsequently informed the design of a quantitative survey in Study 2, conducted with 604 participants. Additionally, the authors examined the moderating effect of generational differences. Findings Through a thematic analysis, Study 1 identified six predetermined factors from the innovation diffusion theory and the unified theory of acceptance and use of technology – trialability, observability, performance expectancy, effort expectancy, facilitating conditions and social influence – and two additional elements – personal innovativeness and perceived risk. Study 2 quantitatively examined that all eight factors were significant predictors of intention to adopt CPs among Millennials and Gen Z hotel guests. Furthermore, the findings from the comparative analysis based on the generational cohort theory indicated that generational differences moderated the relationships among performance expectancy, effort expectancy and personal innovativeness and adoption intention. Practical implications The results of this study offer actionable insights for hotel operators and policymakers aiming to expedite CP adoption among Millennials and Gen Z hotel guests. Originality/value To the best of the authors’ knowledge, this study is among the first studies to comprehensively identify the determinants and their significance differences in Millennials and Gen Z hotel guests’ intentions to adopt CPs via a sequential mixed-methods approach.

FinTech, Crowdfunding, Digital Finance
Technology Adoption and User Behaviour
Digital Marketing and Social Media
Original source
Feb 20, 2025¡International Journal for Research in Applied Science and Engineering Technology
0 cites
Blockchain Based Crowdfunding for Education

Muhammad Najam-ul-Islam

This paper presents method for transforming education funding through a blockchain-powered crowdfunding platform. This platform aims to empower students, educators, and educational institutions. Our goal is to create a decentralized environment where creative educational projects can receive financial support, providing assistance to students facing financial barriers and enabling small schools to request funding for infrastructure and program improvements. In response to the increasing demand for transparency and accountability in crowdfunding, our platform encourages collaboration among developers to enhance features and functionalities, all while offering a user-friendly interface through Web3 technology. The central focus is on fostering community involvement and attracting backing for educational initiatives, while also allowing the platform to evolve and scale efficiently with the benefits of Polygon's scalability

Open access
FinTech, Crowdfunding, Digital Finance
Blockchain Technology Applications and Security
Technology Adoption and User Behaviour
Original source
Feb 15, 2025¡International Review of Management and Marketing
0 cites
An Empirical Study on Investor Awareness and the Impact of Cryptocurrency

D. Mythili, M. Ganeshwari, Suleiman Ibrahim Shelash Mohammad, B. Anitha ¡ 6 authors

Crypto-tech is a technology secured by cryptography, which enables the exchange of data and facilitates duplicated and distributed transactions across the entire network of computer systems on the blockchain. This paper aims to study cryptocurrency’s Awareness, perception, and impact among investors with special reference to Coimbatore city. This study will help provide baseline information on the factors influencing investors in cryptocurrency investing. The study found that cryptocurrency is likely to become the next financial platform due to the large amount of cryptocurrency flows in different systems, the huge increase and growth in cryptocurrency consumption and production, and the opportunities that cryptocurrency systems offer. And the level of awareness and preference in the use of cryptocurrency is moderate. However, investors are not yet fully aware of the dangers of using cryptocurrencies. Many cryptocurrency forms do not yet qualify for that level of trust. Investors should take extra precautionary measures when using cryptocurrency until it is well maintained. The future of the cryptocurrency concept is bright as there are many opportunities for positive change and progress in the e-business and e-payment sectors. As technology advances rapidly, cryptocurrency development continues.

Open access
Impact of AI and Big Data on Business and Society
Technology Adoption and User Behaviour
FinTech, Crowdfunding, Digital Finance
Original source