Financial Literacy and Behavioral Intention to Use Central Banks’ Digital Currency: Moderating Role of Trust DOI Open Access

Mohanamani Palanisamy,

Maria Tresita Paul V., Md Billal Hossain

et al.

Journal of risk and financial management, Journal Year: 2025, Volume and Issue: 18(3), P. 165 - 165

Published: March 19, 2025

Building on the Innovation Diffusion Theory, this study proposes and explores influence of financial literacy behavioral intention to use central banks’ digital currency (CBDC) moderating role trust respondents in institution above relationship. This has employed a quantitative research design examine relationship between literacy, CBDC trust. The final sample comprised 241 who had used across India. statistical variables was assessed using PROCESS macro SPSS 23.0. Findings revealed that emerges as strong predictor use. Individuals with higher are more likely understand features, benefits risks associated adopting CBDC. interaction effect reveals increases, relative importance diminishes. On other hand, those lack sufficient knowledge depend fill their gaps. is one first studies scientifically support how both contributes valuable discourse CBDC, which crucial for achieving nation’s broader transformational goal.

Language: Английский

Financial Literacy and Behavioral Intention to Use Central Banks’ Digital Currency: Moderating Role of Trust DOI Open Access

Mohanamani Palanisamy,

Maria Tresita Paul V., Md Billal Hossain

et al.

Journal of risk and financial management, Journal Year: 2025, Volume and Issue: 18(3), P. 165 - 165

Published: March 19, 2025

Building on the Innovation Diffusion Theory, this study proposes and explores influence of financial literacy behavioral intention to use central banks’ digital currency (CBDC) moderating role trust respondents in institution above relationship. This has employed a quantitative research design examine relationship between literacy, CBDC trust. The final sample comprised 241 who had used across India. statistical variables was assessed using PROCESS macro SPSS 23.0. Findings revealed that emerges as strong predictor use. Individuals with higher are more likely understand features, benefits risks associated adopting CBDC. interaction effect reveals increases, relative importance diminishes. On other hand, those lack sufficient knowledge depend fill their gaps. is one first studies scientifically support how both contributes valuable discourse CBDC, which crucial for achieving nation’s broader transformational goal.

Language: Английский

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