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Since the year of 2022 was marked by many significant and rapid changes on the cryptocurrencies market, this comparative study explores perceptions of Romanian students about cryptocurrencies before and after the market collapse. A qualitative approach has been used to understand attitudes towards cryptocurrencies in March 2022 (when prices of most cryptocurrencies were higher) and then the same study was conducted during August-November 2022 (when the prices of most cryptocurrencies were lower after a dropout in prices that lasted all throughout the summer). Descriptive and inferential statistics were used to compare the results. Our findings show that cryptocurrencies were associated with more negative words in the second wave of the study, but surprisingly, the willingness to invest in such assets did not change that much. However, the willingness to invest seemed to be influenced by how secure/trustworthy respondents perceived cryptocurrencies. Implications and future research suggestions are finally discussed.

Since the year of 2022 was marked by many significant and rapid changes on the cryptocurrencies market, this comparative study explores perceptions of Romanian students about cryptocurrencies before and after the market collapse. A qualitative approach has been used to understand attitudes towards cryptocurrencies in March 2022 (when prices of most cryptocurrencies were higher) and then the same study was conducted during August-November 2022 (when the prices of most cryptocurrencies were lower after a dropout in prices that lasted all throughout the summer). Descriptive and inferential statistics were used to compare the results. Our findings show that cryptocurrencies were associated with more negative words in the second wave of the study, but surprisingly, the willingness to invest in such assets did not change that much. However, the willingness to invest seemed to be influenced by how secure/trustworthy respondents perceived cryptocurrencies. Implications and future research suggestions are finally discussed.

This study investigates the differences in perceptions of benefits and challenges associated with cryptocurrencies among diverse demographic cohorts. We focus on gender, field of study, and prior experience as key demographic factors influencing perceptions. Data were collected from 679 university students in Poland using a survey questionnaire. The findings reveal disparities in perceptions based on gender, with males perceiving more benefits and females encountering more challenges. Additionally, regardless of academic background, students tend to perceive the benefits and challenges similarly. Moreover, prior experience with cryptocurrencies significantly influences perceptions, with experienced students perceiving more benefits and fewer challenges compared to their inexperienced counterparts. Our study contributes to the literature by highlighting the importance of considering personal characteristics in understanding perceptions of cryptocurrencies and provides insights for policymakers, regulators, and industry stakeholders to develop targeted strategies for addressing concerns, enhancing adoption, and mitigating risks associated with cryptocurrencies.

PurposeIn this study, we focus on consumer perceptions of cryptocurrencies. We hypothesize that knowledge of cryptocurrencies, trust in government, and the speed of transactions are the main factors contributing to consumers' trust in cryptocurrencies.Design/methodology/approach451 MTurk workers, a convenient sample incentivized with a small monetary payment, participated in a cross-sectional online study with cryptocurrencies serving as the focal product category.FindingsWe obtained support for our hypothesized notion that knowledge of cryptocurrencies, trust in government, and the speed of transactions are the main factors contributing to consumers' trust in cryptocurrencies. Our research makes several important theoretical contributions. First, we demonstrate that consumers who understand and know how cryptocurrencies work are more likely to trust and invest in the currency. Next, we demonstrate that consumers are more likely to trust cryptocurrencies and their peer-to-peer transactions if, preferably, they take place via a central issuer and are regulated by their respective governments.Originality/valueThis study is the first known paper to focus on cryptocurrencies from the consumers' perspective. Next, we identify key antecedents of trust towards cryptocurrencies. Second, we reveal the role of government concerning cryptocurrencies. Finally, FinTech firms and banks (should they choose to enter the cryptocurrency market) need not spend time and money on marketing, advertising, and promotions in order to try to allay consumers' anxiety when it comes to their uptake in the different digital currencies. Rather, this would allow the FinTech firms and banks to allocate resources to focus their attention on marketing, advertising and promoting the factors (i.e. knowledge, trust in government, and speed of transaction) that drive intent to invest in cryptocurrencies.

We investigate factors affecting individual investors' switching intention from traditional financial market to crypto-currency financial market. By sampling factors of individual investors related with crypto-currency (CC), the study applies structural equation modeling method (SEM) to investigate their effects on switching intention by integrating PPM and Reinforcement Sensitivity theories (RST) to form a pulling, pushing and mooring effects model. The investigation indicates that crypto-currency market can be regarded as a kind of beneficial supplement of tradition investment market for those individual investors who are with high innovativeness, reward sensitivity, knowledge and perceived risk. This study proves that the individual investors are not only attracted by significant expected return from crypto-currency but also relevant knowledge and risks disclosed by crypto-currency market regulators and distributors. The findings reinforce major roles for both market regulators and individual investors in considering and providing insights for future policy, management and investigations.

PurposeThis study aims to empirically examine the impact of perceived risks, optimism and financial literacy on trust and the perceived value of cryptocurrencies. It will also examine the impact of trust on the perceived value of cryptocurrencies.Design/methodology/approachA quantitative approach is followed. A questionnaire was designed to collect data from 308 respondents in Jordan. The Structural Equation Modeling – Partial Least Squares (SEM-PLS) method was used to evaluate the research model and test hypotheses.FindingsThe results of PLS algorithm analysis showed that perceived risks negatively impact the optimism and trust in cryptocurrencies. This study revealed that while financial literacy minimizes the perceived risks, it serves to enhance optimism and improve the perception of the value of cryptocurrencies. Furthermore, the findings of this study show that optimism plays a significant role in trust and perceived value.Originality/valueThis study provides new insights into the literature on cryptocurrencies adoption, blockchain theory, the theory of trust in financial systems, the role of the optimism factor and the perception of the value of cryptocurrencies. It also provides important practical implications for different stakeholders.

Bitcoin halving is a quadrennial event that halves mining rewards and is believed to influence cryptocurrency prices and cryptocurrency market dynamics. This study examines the effect of Bitcoin halving on Cryptocurrency Prices, with Government Regulations, Market Sentiment, and Cryptocurrency Performance as mediating variables. A quantitative research approach was employed, gathering original data via survey instruments from 294 participants within the cryptocurrency community in Bali, which were analyzed using PLS-SEM. The findings indicate that Bitcoin halving exerts a favorable and statistically meaningful influence on Government Regulations, Market Sentiment, Cryptocurrency Performance, and Cryptocurrency Prices. Market Sentiment fully mediates the influence of Government Regulations and Cryptocurrency Performance on Cryptocurrency Prices, while Government Regulations and Cryptocurrency Performance partially mediate the effect of Bitcoin halving. These findings highlight that Cryptocurrency Prices are shaped by the interplay of technical, policy, and psychological factors, with strategic implications for investors, regulators, and developers.

PurposeThe purpose of this paper is to investigate the determinants of users' intention to continue to invest in cryptocurrencies. The paper also aims to examine the impact of hedonic motivation and the legal environment on perceived value in cryptocurrencies.Design/methodology/approachA questionnaire was designed to obtain data from 258 respondents in UAE. The Structural Equation Modeling – Partial Least Squares (SEM-PLS) was used to evaluate the research model and test the hypotheses.FindingsThe results of smart PLS path analysis showed that perceived value, hedonic motivation, gambling attitude, and price volatility were significant determinants of the continued intention to invest in cryptocurrency. This study also revealed that hedonic motivation enhances perceived value and improves the perception of cryptocurrencies value from user's perspective.Originality/valueThis study provides new insights into the literature on cryptocurrencies adoption, and delivers advanced understanding about the determinants of user's intention to continue investing in cryptocurrencies. In addition, the study provides important practical implications for cryptocurrencies companies to promote this financial technology to users by enhancing the knowledge of policy makers about how investors think and get motivated towards a continued investment of cryptocurrencies.

PurposeThis study contributes to examining the factors that drive the adoption of cryptocurrencies for financial transactions in the tourism and hospitality industries. This is crucial to develop tourism and hospitality and stimulate financial inclusion in developing and developed countries.Design/methodology/approachThis research paper employs the SEM model and bootstrapping method on a sample of 417 French participants involved in tourism and hospitality industries to reveal the causal pathway between a set of independent factors and the willingness to adopt cryptocurrencies for financial transactions.FindingsThe empirical findings reveal that ease of use, perceived usefulness, social influence, and financial literacy increase the willingness to use cryptocurrencies. French hotels need to have a strategic orientation, to deal with customers, competitors and changing technological environment. The study also reveals that social influence and financial literacy reduce the level of perceived financial risk and thus, leads to increase the intention to adopt the new type of decentralized currencies.Originality/valueIn contrast to previous studies that focused on the volatility and risk of cryptocurrencies, this research employs a human-centric approach covering different factors that could lead to the adoption of the new type of currency for financial transactions in tourism and hospitality industries.

PurposeThis study investigated the internal factors that influence the adoption of cryptocurrencies for remittance transactions in the United Arab Emirates (UAE) by examining the relationships between behavioural intention (BI) and perceived risk (PR), as well as the mediating effect of consumer innovation (CI).Design/methodology/approachThe authors developed a structural model using scales from the literature. The authors distributed an online questionnaire, evaluated by five cryptocurrency experts, using a snowball approach and collected 270 responses.FindingsThe results revealed that CI mediates the relationship between PR and BI. Also, CI enhances intentions to use cryptocurrencies for remittance transactions. However, PR has a negative impact on BI.Research limitations/implicationsThis research adds to the body of knowledge by examining the acceptance and implementation of cryptocurrencies in the UAE and by developing and evaluating new constructs based on current notions. The study also contributes to the current understanding of cryptocurrencies and blockchain adoption. This article focusses on the mediating impact of CI on intentions to employ cryptocurrency instruments for international money transfers.Practical implicationsThe conclusions of the research give advice for marketers on how to boost the commercialisation of cryptocurrencies in the UAE remittance market and may pave the way for other studies to assist impending developments in the UAE cryptocurrency industry.Originality/valueThis research offers novel insights into CI as a significant predictor of bitcoin product uptake in the remittance business.