Review and classification of electronic cash research

This paper proposes and validates a comprehensive model of consumer acceptance in the context of offline e-cash payment. It modifies the unified theory of acceptance and the use of technology model (UTAUT) with constructs of perceived security, cost of use, and government policy. Data collected from 4428 questionnaires about users’ attitudes toward e-cash is used to apply a structural equation model which, in turn, assesses the predictive model. The empirical results indicate that perceived security and cost of use are beneficial extensions to the traditional UTAUT model, and intention is a key antecedent to users’ actual utilization of e-cash. In addition, the demographic moderators are found to have significant effects on the relations among the variables. These results are useful to e-cash development and significant to the issue of Digital Currency Electronic Payment.

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Review and classification of electronic cash research

Cited by 4 publications

References 40 publications

Financial technology business model as branchless banking for people in rural areas: Case study : Indonesia

Financial technology business model as branchless banking for people in rural areas: Case study : Indonesia

Prototype of a Security Model to Mitigate Risks in the Management of Electronic Money in Ecuador

Factors affecting consumer acceptance of electronic cash in China: an empirical study

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