School of Economics, Jinan University, Guangzhou City, 510632, Guangdong Province, China.
School of Business, Yeungnam University, Gyeongsan, Korea.
Sci Rep. 2022 Apr 27;12(1):6856. doi: 10.1038/s41598-022-10927-0.
The introduction of digital currency electronic payment (DCEP) by the Central Bank of China is conducive to the central bank's timely grasp of macroeconomic dynamics and the internationalization of RMB. As DCEP is one of the first digital currencies issued by the central bank to be used on a large scale internationally, it is necessary to conduct research on its user adoption. Therefore, this research extends the unified theory of acceptance and use of technology (UTAUT) to explore factors affecting the adoption of DCEP. The researchers cooperated with city banks that have started to use DCEP, and distributed questionnaires to users in the lobbies of these banks. A total of 295 valid questionnaires were empirically examined with Smart-PLS. The results indicate that perceived fairness, habits, social influence and national identity have significant effects on usage, with p values less than 0.05. National identity is shown to be a significant moderator of the relationships between perceived fairness, habit, perceived risk and usage, with p values less than 0.05. National identity is shown to have no moderating effect between social influence and usage, with a p value greater than 0.05. This research provides the central bank and the government with suggestions to increase user enthusiasm and reduce user perceived risks, thereby promoting the widespread use of DCEP.
中国人民银行推出数字货币电子支付（DCEP），有利于央行及时掌握宏观经济动态和人民币国际化。由于 DCEP 是国际上首批由央行发行并大规模使用的数字货币之一，因此有必要对其用户采用情况进行研究。因此，本研究将统一技术接受和使用理论（UTAUT）扩展到探讨影响 DCEP 采用的因素。研究人员与已经开始使用 DCEP 的城市银行合作，在这些银行的大堂内向用户分发问卷。共使用 Smart-PLS 对 295 份有效问卷进行了实证检验。结果表明，感知公平性、习惯、社会影响和国家认同感对使用有显著影响，p 值均小于 0.05。国家认同感显示出对感知公平性、习惯、感知风险与使用之间关系的显著调节作用，p 值均小于 0.05。国家认同感在社会影响与使用之间没有调节作用，p 值大于 0.05。本研究为央行和政府提供了建议，以提高用户积极性并降低用户感知风险，从而促进 DCEP 的广泛使用。
