Does Previous Experience with the Unified Payments Interface (UPI) Affect the Usage of Central Bank Digital Currency (CBDC)?

Gupta, Munish; Taneja, Sanjay; Sharma, Vikas; Singh, Amandeep; Rupeika-Apoga, Ramona; Jangir, Kshitiz

doi:10.3390/jrfm16060286

Cited by 21 publications

(2 citation statements)

References 94 publications

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“…(2023), Li and Huang (2023), Kim et al . (2023), Gupta et al . (2023), Xin and Jiang (2023b), Kosov et al .…”

Section: Resultsmentioning

confidence: 99%

Central bank digital currencies: a comprehensive systematic literature review on worldwide research emergence and methods used

Fahad,

Bulut

2024

AJB

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PurposeThe purpose of this paper is to review the literature on Central Bank Digital Currencies (CBDCs) in light of the increasing demand for digital payments globally. It aims to assess the global research landscape, methodologies and data utilized in CBDC studies as their popularity grows.Design/methodology/approachThe paper employs a systematic literature review (SLR) framework, utilizing the Scopus database to identify 323 studies related to Central Bank Digital Currency or CBDC. Through a thorough manual screening process, 169 studies were selected for inclusion. The research employs R, Biblioshiny and Excel for data evaluation, classifying the studies into three methodological categories: quantitative, qualitative and mixed approaches. This classification allows for a detailed assessment of the research techniques and data used in the literature on CBDCs.FindingsThe findings include a diverse range of research methodologies and data employed in CBDCs literature, highlighting the growing interest and depth of academic investigation into this area. By categorizing papers according to research technique, the study provides a comprehensive evaluation of the academic landscape regarding CBDC research. It offers valuable insights for researchers, policymakers and stakeholders, contributing to an enhanced understanding of the complexities and opportunities presented by the development and implementation of CBDCs.Originality/valueThis study’s originality lies in its rigorous and transparent methodology for data from CBDC studies, offering a solid framework for future research. By evaluating global research growth within an SLR framework and categorizing studies by research technique, it contributes uniquely to the academic discourse on digital currencies. The paper provides a critical resource for researchers, lawmakers and stakeholders, enriching the knowledge base on CBDCs and supporting informed decision-making in the context of digital financial innovation.

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“…(2023), Li and Huang (2023), Kim et al . (2023), Gupta et al . (2023), Xin and Jiang (2023b), Kosov et al .…”

Section: Resultsmentioning

confidence: 99%

Central bank digital currencies: a comprehensive systematic literature review on worldwide research emergence and methods used

Fahad,

Bulut

2024

AJB

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“…Nowadays, the use of artificial intelligence (AI) and specific applications has made knowledge much easier to acquire. Citizens are required to have the necessary digital skills to use AI applications in order to obtain the necessary knowledge [33,34].…”

Section: The Concept Of Information and Data Knowledgementioning

confidence: 99%

A Sustainable Approach to Define Important Digital Skills of Digital Currency Users

Zervas,

Stiakakis,

Athanasiadis

et al. 2024

Preprint

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Nowadays, the transactions carried out with digital currencies are increasing. Citizens are asked to respond to growing challenges related to the sustainable management of digital currencies in their daily lives. However, due to the lack of digital skills of users, the sustainable management of digital currencies hides risks. The methodology of this study was based on the Digital Competence Framework for Citizens (DigComp) and is applied through a questionnaire completed by 443 respondents. The main objective was to evaluate their digital skills from the perspective of digital currency use. The analysis of the responses was carried out by using Structural Equation Modeling (SEM). The most important result from this research reveals that users of digital currencies are significantly capable of developing sustainable communication to solve everyday problems. At the same time, users of digital currencies mostly detect digital threats and effectively manage fake news without being affected by them. However, users of digital currencies consider that security issues are important, but only for transactions and not for their supporting functions. The study concludes with suggestions for improving the experience of digital currency users through individual actions, thus having a positive impact on the state and banking institutions.

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Does service quality matter in FinTech payment services? An integrated SERVQUAL and TAM approach

Sharma,

Jangir,

Gupta

et al. 2024

International Journal of Information Management Data Insights

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Does Previous Experience with the Unified Payments Interface (UPI) Affect the Usage of Central Bank Digital Currency (CBDC)?

Cited by 21 publications

References 94 publications

Central bank digital currencies: a comprehensive systematic literature review on worldwide research emergence and methods used

Central bank digital currencies: a comprehensive systematic literature review on worldwide research emergence and methods used

A Sustainable Approach to Define Important Digital Skills of Digital Currency Users

Does service quality matter in FinTech payment services? An integrated SERVQUAL and TAM approach

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