概括
大多数人认为加密货币是投资,而不是支付方式,由于波动性和复杂性. 用户希望监管并重视匿名,这突出了当前用于支付的加密货币采用的差距.
科学领域:
- 数字金融数字金融
- 消费者行为 消费者行为
- 技术采用 技术采用
背景情况:
- 新的支付方式的出现专注于用户方便.
- 加密货币作为一种新的数字资产和潜在的支付系统.
研究的目的:
- 分析一般人口对加密货币采用支付方式的态度.
- 调查加密货币用户和非用户的看法.
- 了解有关加密货币市场未来及其支付潜力的观点.
主要方法:
- 针对不同用户群体的描述性调查.
- 对开放式问卷答复的情绪分析.
- 用多个英语语言词典进行定性数据分析.
主要成果:
- 加密货币用户主要是投资,优先考虑受欢迎的硬币而不是内在的特性.
- 电子商务和国际交易是最有吸引力的支付用例.
- 高波动性和可用性挑战是采用的重大障碍.
- 用户越来越多地要求监管监督.
- 尽管存在波动性担忧,但匿名是值得重视的特征.
结论:
- 用于支付的加密货币采用面临与用户感知,波动性和可用性相关的挑战.
- 越来越多的监管需求和匿名的吸引力塑造了用户的态度.
- 该研究提出了一种创新的混合方法方法,用于分析数字金融研究中的定性数据.
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