Percepción y Aceptación por Parte de los Usuarios de la Moneda Digital del Banco Central en los Países Desarrollados y en Desarrollo: un Estudio Empírico Utilizando el Modelo de Aceptación de la Tecnología

This study aims to investigate the factors influencing individuals' intention to use Central Bank Digital Currencies (CBDC) in the digital economy era from an individual perspective using the Technology Acceptance Model (TAM) as a framework. The study contributes academically by examining individual intention to use CBDC from the user's perspective, filling a research gap, expanding the TAM's application area and theoretical sources, testing the validity of hypotheses, and introducing technology into behavioral research in social psychology. Managerially, the study provides recommendations for the government and central bank on improving individuals' intention to use CBDC, formulating effective development paths and promotion plans, and enhancing public interest while reducing confusion and worry. The study finds that the technical characteristics and economic attributes of CBDC, such as offline trading, non-forgery, no double spending, irrevocability, and controlled anonymity, have a positive impact on individuals' intention to use CBDC. It also identifies new factors influencing human behavior patterns in the digital economy, such as perceived usefulness, perceived ease of use, perceived security, perceived trust, perceived privacy, perceived social influence, and perceived compatibility. Furthermore, the study highlights the importance of understanding individuals' intention to use CBDC in the digital economy era. The growth rate of mobile payments in China has been significant over the past decade, indicating the increasing importance of mobile payments and digital currencies in the Chinese economy and the potential for further growth in the future. The introduction of CBDCs can help facilitate transactions, enhance financial inclusion, and support the growth of the digital economy. In summary, this study provides valuable insights for governments, central banks, and other stakeholders in developing and promoting CBDCs effectively. The findings have significant implications for policy-makers, industry practitioners, and academic researchers interested in digital currencies, mobile payments, and the future of money in the digital economy era.