分析发展中国家可持续使用电子货币的情况:从菲律宾发展的角度来看
Luq Willis A Jimenez1, Ardvin Kester S Ong1, Ma Janice J Gumasing2
1School of Industrial Engineering and Engineering Management, Mapúa University, 658 Muralla St., Intramuros, Manila 1002, Philippines.
Acta psychologica
|November 7, 2024
概括
根据一项结合UTAUT2和计划行为可持续性理论的研究,努力预期显著推动新兴经济体采用电子货币. 结果强调了便利性和目标实现作为关键的用户感知.
科学领域:
- 金融技术 (金融科技)
- 数字货币的采用 数字货币的采用
- 行为经济学是一种行为经济学.
背景情况:
- 在发展中国家,特别是菲律宾,电子货币的采用正在迅速扩大.
- 了解用户对数字货币的态度对于可持续的经济发展至关重要.
- 现有的模型需要整合,以捕捉技术采用中的可持续性观点.
研究的目的:
- 调查影响新兴经济体采用电子货币的因素.
- 将UTAUT2模型与计划行为可持续性理论 (STPB) 整合起来.
- 从可持续发展的角度向发展中国家提供关于社区对电子货币的态度的见解.
主要方法:
- 分析了638名参与者的调查答案.
- 结构方程建模 (SEM) 的应用.
- 技术接受和使用的统一理论2 (UTAUT2) 与STPB的整合.
主要成果:
- 努力预期 (β:0.398) 是影响电子货币采用最重要的因素.
- 态度 (β:0.368),主观规范 (β:0.273) 和感知行为控制 (β:0.26) 也显示出显著的影响.
- 可持续性领域和其他UTAUT2因素对采用意图产生了影响.
结论:
- 电子货币被用户认为是方便的,可以实现个人目标.
- 交易的便利性和对时间的感知控制是电子货币采用的关键驱动因素.
- 这些发现对于在新兴经济体技术进步的背景下了解用户意图至关重要.
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