Enhancing digital currency adoption: examining user experiences DOI
Puneett Bhatnagr

Management Decision, Год журнала: 2024, Номер unknown

Опубликована: Дек. 9, 2024

Purpose This study aimed to analyse user experiences and perceptions of eRupee banking applications in India, focussing on understanding the key factors driving satisfaction dissatisfaction. Design/methodology/approach A comprehensive text-mining approach was employed 5,176 reviews collected from Google Play Store. Sentiment analysis latent Dirichlet allocation (LDA) were used classify uncover prevailing themes. Findings The revealed that positive highlighted themes usefulness, convenience, satisfaction, app attributes, ease use. Negative emphasise issues related lack trust, faulty updates, unreliability, security concerns, inadequate customer support. Logistic Regression model demonstrated superior performance predicting sentiments, achieving an AUC 0.7926 accuracy rate 77.90%. Research limitations/implications limited a single-platform source. Future research could incorporate data multiple online sources employ qualitative methods gain deeper insight. Additionally, longitudinal studies cross-cultural analyses are recommended capture evolving sentiments global perspectives. Practical implications findings provide actionable insights for bank managers, developers policymakers enhance by addressing identified leveraging aspects improve overall experience satisfaction. Originality/value makes novel contribution literature digital currency advanced techniques using machine-learning models feedback context emerging economy. proposed conceptual practical recommendations serve as foundation future development financial services.

Язык: Английский

Examining the role of blockchain and public-private partnerships in design and deployment of blockchain-enabled CBDC DOI Creative Commons
Mushtaq Ahmad Shah, Naveen Raj

Digital Business, Год журнала: 2025, Номер unknown, С. 100111 - 100111

Опубликована: Фев. 1, 2025

Язык: Английский

Процитировано

1
The impact of Fintech innovations on digital currency adoption: a blockchain-based study in India DOI
Puneett Bhatnagr, Anupama Rajesh, Richa Misra

и другие.

International Journal of Accounting and Information Management, Год журнала: 2024, Номер unknown

Опубликована: Авг. 12, 2024

Purpose The purpose of this study is to integrate customer value theory (CVT) and protection motivation (PMT) understand the factors that have an impact on experience, e-trust intention recommend, which influence adoption behaviour digital currency users. Design/methodology/approach A purposive sampling technique was used, data were gathered through online survey 414 respondents. measurement structural models tested using partial least squares equation modelling establish linkages between constructs. Findings Functional, emotional social values positively experience. Furthermore, perceived severity, vulnerability, response efficacy self-efficacy had a positive e-trust. E-trust affects experience use directly. demonstrated play significant role in influencing currency. Practical implications For managers policymakers interested Indian market, it suggested functional utility benefits can enhance user satisfaction. In model, education increase risk awareness, effectiveness responses are critical building Originality/value Building CVT PMT’s usage broader financial services domain, research empirically confirms significance while adopting It provides extensive multifaceted approach comprehending involvement trust services, thus enhancing theoretical empirical knowledge both fintech blockchain industries.

Язык: Английский

Процитировано

3
Central Bank Digital Currencies: Recent Global Developments and Impact on Russian Banks DOI
Egor Pastukhov

Eurasian studies in business and economics, Год журнала: 2025, Номер unknown, С. 159 - 178

Опубликована: Янв. 1, 2025

Язык: Английский

Процитировано

0
Consumer multifaceted trust of central bank digital currency (CBDC) payment in travel and tourism DOI
Bee‐Lia Chua, Zemenu Amare Ayalew, Seongseop Kim

и другие.

Technological Forecasting and Social Change, Год журнала: 2025, Номер 217, С. 124166 - 124166

Опубликована: Май 1, 2025

Язык: Английский

Процитировано

0
Barriers for institutional investors to invest in digital financial assets DOI
Natal’ya A. KHUTOROVA,

Aleksei Yu. DMITRIEV

Finance and Credit, Год журнала: 2024, Номер 30(11), С. 2577 - 2591

Опубликована: Ноя. 29, 2024

Subject. The article analyzes barriers to active involvement of institutional investors' funds in digital DFA the Russian financial market. Objectives. study aims at identification main preventing DFA, development recommendations for their elimination. Methods. employs general scientific methods research, logical, comparative, and statistical analysis review foreign practice academic publications domestic authors. Results. We revealed three groups barriers. They are legal regulatory barriers; low volume primary market insufficient liquidity secondary market; level literacy problems understanding by private investors. To eliminate them, we offer amend a number federal laws allow investors include investment strategies portfolios. problem can be solved including trading platforms register exchange operators Bank Russia, providing access these transactions. Conclusions. It is crucial develop risk rating system criteria inclusion portfolios

Язык: Английский

Процитировано

1
Enhancing digital currency adoption: examining user experiences DOI
Puneett Bhatnagr

Management Decision, Год журнала: 2024, Номер unknown

Опубликована: Дек. 9, 2024

Purpose This study aimed to analyse user experiences and perceptions of eRupee banking applications in India, focussing on understanding the key factors driving satisfaction dissatisfaction. Design/methodology/approach A comprehensive text-mining approach was employed 5,176 reviews collected from Google Play Store. Sentiment analysis latent Dirichlet allocation (LDA) were used classify uncover prevailing themes. Findings The revealed that positive highlighted themes usefulness, convenience, satisfaction, app attributes, ease use. Negative emphasise issues related lack trust, faulty updates, unreliability, security concerns, inadequate customer support. Logistic Regression model demonstrated superior performance predicting sentiments, achieving an AUC 0.7926 accuracy rate 77.90%. Research limitations/implications limited a single-platform source. Future research could incorporate data multiple online sources employ qualitative methods gain deeper insight. Additionally, longitudinal studies cross-cultural analyses are recommended capture evolving sentiments global perspectives. Practical implications findings provide actionable insights for bank managers, developers policymakers enhance by addressing identified leveraging aspects improve overall experience satisfaction. Originality/value makes novel contribution literature digital currency advanced techniques using machine-learning models feedback context emerging economy. proposed conceptual practical recommendations serve as foundation future development financial services.

Язык: Английский

Процитировано

0