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Research papers on Cryptocurrency adoption

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  2. Investigating the unexpected determinants of cryptocurrency adoption in the UAE

    Devid Jegerson, Charilaos Mertzanis, Mehmood Khan · 2025 · International Journal of Emerging Markets · 21 citations

    Purpose: Financial inclusion provides access to financial infrastructure, facilitating money transfers. Therefore, blockchain and cryptocurrencies might boost worldwide financial acceptance. However, the UAE has one of the lowest cryptocurrency adoption rates. This study explores the UAE customer adoption and use of cryptocurrencies. Design/methodology/approach: Using a scale, the authors created a structural model and obtained 270 responses from a snowball-distributed online questionnaire, assessed by five cryptocurrency specialists. Findings: Performance expectations (PE), price value (PV), Hedonic motivation (HM) and consumer innovativeness (CI) were the most significant predictors of beh

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  3. Determinants of Cryptocurrency Exchange Adoption: A Conceptual Model

    Abdou Illia, Assion Lawson-Body, Simon Lee, et al. · 2023 · International Journal of Technology and Human Interaction · 7 citations

    Cryptocurrencies have become a global phenomenon, and the number of registered users of cryptocurrency exchange platforms has grown worldwide. However, only a small number of the registered users are active users that engage in actual transactions. In this study, the authors used a multi-theory approach to identify the key factors of the adoption of cryptocurrency exchanges and to develop a conceptual model that would have a potentially high explanatory power. The proposed model emphasizes the role of psychological innovation resistance, functional innovation resistance, technology readiness and trust, perceived risk and risk propensity, subjective norms, and critical mass of users. The auth

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  4. DETERMINANTS OF CRYPTOCURRENCY ADOPTION: EVIDENCE FROM AN EMERGING ECONOMY

    Antony Rahim Atellu · 2024 · Pressacademia · 2 citations

    Purpose- Cryptocurrency adoption has tremendously improved in Sub-Saharan Africa's emerging economies. Despite this trend, less emphasis has been placed on determinants of cryptocurrency adoption in such economies. This study extended the Theory of Reasoned Action (TRA), Theory of Planned Behavior (TPB), and Technology Acceptance Model (TAM), to examine aspects that determine cryptocurrency adoption in Kenya. The study findings may assist policymakers in developing a sturdy regulatory framework for adopting digital assets and monitoring Virtual Asset Service Providers (VASPs). Methodology- Data was collected through questionnaires from 400 students, graduates, and investors who had informati

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  6. Determinants of Cryptocurrency Adoption in Tanzania’s Banking Sector

    Thadei Kiwango, Repidius Muganyizi Kamala · 2025 · The Journal of Informatics · 1 citations

    Cryptocurrency is conceptualized as digital assets designed to function as mediums of exchange in Todays’ world. The objective of the study was to; evaluate the technological infrastructures and perception of Tanzanian consumers, as determinants to the adoption of cryptocurrencies in Tanzania’s commercial banks. The study employed a quantitative research design using surveys administered to 350 selected bank staff from ten commercial banks in Dar es Salaam and Dodoma. Data were collected through structured questionnaires and analyzed using descriptive and inferential statistical techniques. The findings indicate that both consumer perception and technological infrastructure significantly inf

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  7. A REVIEW OF MONETARY DETERMINANTS OF CRYPTOCURRENCY ADOPTION IN ISLAMIC FINANCIAL SYSTEM

    Afdzaal Jehabar Sadiq, Mohamed Akbar · 2022 · Journal of Information Systems and Digital Technologies · 1 citations

    This paper discusses the money and financial system from both the conventional and Islamic points of view. To further elucidate this topic, some aspects of the conventional financial system are discussed on the applicability from an Islamic perspective. Firstly, the advancements of technology that had led to the invention of cryptocurrency and how the Islamic financial system can evaluate the determinants of the adoption of such cryptocurrencies were reviewed. Secondly, the use of digital wallet and how it is encouraged by the government to increase transparency in the financial system and finally, the applicability of a dual-currency model, which covers the idea of revitalizing the dinar an

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  9. CRYPTOCURRENCY ADOPTION ACROSS ECONOMIES: A COMPARATIVE ANALYSIS OF MACROECONOMIC, TECHNOLOGICAL, REGULATORY, AND INSTITUTIONAL DETERMINANTS

    Zrinka Lacković Vincek, Vladimir Kovšca, Suzana Keglević Kozjak · 2026 · EMC Review - Časopis za ekonomiju - APEIRON

    This paper examines the determinants of cryptocurrency adoption across developed and emerging economies with the objective of identifying the key economic, technological, institutional, and regulatory factors influencing digital financial market development. The research is based on a structured literature review methodology that includes recent scientific publications, institutional reports, and industry analyses related to cryptocurrencies, blockchain technologies, stablecoins, and decentralised finance (DeFi). The study analyses how macroeconomic instability, technological readiness, institutional trust, and regulatory frameworks shape cryptocurrency adoption across countries and regions.

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  11. Determinants of Cryptocurrency Adoption: The Role of AI, Financial Literacy, and Technological Awareness

    Ninik Churniawati, Renita Selviana, Muhammad Mashudi Azrullah · 2026 · Studi Akuntansi, Keuangan, dan Manajemen

    Purpose: This study aimed to analyze the influence of technological awareness, financial literacy, Artificial Intelligence (AI), and personal innovation on the intention of the millennial generation in Pasuruan Regency to adopt cryptocurrencies and to explain the role of these factors in driving the acceptance of new technologies. Methodology: The research method involved 371,975 millennials in Pasuruan Regency, with a sampling technique using the Slovin formula with a margin of error of 5%. Data analysis was carried out using the Partial Least Squares (PLS) approach using WarpPLS 8.0 software. Results: The results of the study show that technological awareness, AI, and personal innovation h

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