Xia Huosong, Gao Yangmei, Zhang Justin Zuopeng
School of Management, Wuhan Textile University, Wuhan, 430073 China.
Research Center of Enterprise Decision Support, Key Research Institute of Humanities and Social Sciences in Universities of Hubei Province, Wuhan, 430073 China.
Financ Innov. 2023;9(1):63. doi: 10.1186/s40854-023-00467-5. Epub 2023 Mar 2.
Central banks worldwide have started researching and developing central bank digital currencies (CBDCs). In the digital economy context, concerns regarding the integrity, competition, and privacy of CBDC systems have also gradually emerged. Against this backdrop, this study aims to evaluate users' willingness to use China's digital currency electronic payment (DCEP) system, a digital payment and processing network, and its influencing factors by comprehensively considering and comparing the characteristics of cash and third-party payment services. Combining the push-pull-mooring framework (PPM) and task-technology fit (TTF) theory, we discuss the scenarios and mechanisms that may inspire users' DCEP adoption intention through an empirical study. The results reveal that privacy concerns regarding the original payment methods and technology-task fitting level of DCEP positively impact users' willingness to adopt DCEP. The technical characteristics of DCEP, users' payment requirements, and government support positively affect users' adoption intention by influencing the task-technology fitting degree of DCEP. Switching cost significantly and negatively impacts adoption intention, whereas relative advantage exhibits no significant effect. This research contributes to a better understanding of the factors that influence switching intentions and the actual use of DCEP, and provides policy guidance on promoting the efficiency and effectiveness of DCEP.
全球各国央行已开始研究和开发央行数字货币（CBDC）。在数字经济背景下，人们对央行数字货币系统的完整性、竞争性和隐私性的担忧也逐渐显现。在此背景下，本研究旨在通过全面考虑和比较现金及第三方支付服务的特点，评估用户使用中国数字货币电子支付（DCEP）系统（一种数字支付和处理网络）的意愿及其影响因素。结合推拉锚定框架（PPM）和任务-技术匹配（TTF）理论，我们通过实证研究探讨了可能激发用户采用DCEP意愿的场景和机制。结果表明，对原有支付方式的隐私担忧以及DCEP的技术-任务匹配水平对用户采用DCEP的意愿产生积极影响。DCEP的技术特性、用户的支付需求以及政府支持通过影响DCEP的任务-技术匹配度对用户的采用意愿产生积极影响。转换成本对采用意愿有显著的负面影响，而相对优势则未显示出显著影响。本研究有助于更好地理解影响转换意愿和DCEP实际使用的因素，并为提高DCEP的效率和有效性提供政策指导。
