Publicação
Designing a competitive CBDC: consumer preferences and the trade-offs with existing payment solutions- positioning TAP on phone: addressing the card acceptance GAP created by alternative payment methods
| Resumo: | This paper examines factors influencing consumer adoption of Central Bank Digital Currencies in retail settings. Using survey data and expert interviews, it explores which design features drive adoption and what would motivate users to switch from existing payment methods. The findings show that practical features such as app integration, low fees, and broad acceptance matter more for adoption than normative concerns like trust or privacy. Behavioural factors like habit and hesitation toward unfamiliar systems also play a key role. The study contributes comparative evidence to CBDC research and offers strategic recommendations for policymakers and private-sector stakeholders. |
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| Autores principais: | Lenz, Anna Petra |
| Assunto: | Central bank digital currency Consumer adoption Technology acceptance Digital payments CEMS MIM |
| Ano: | 2025 |
| País: | Portugal |
| Tipo de documento: | dissertação de mestrado |
| Tipo de acesso: | acesso embargado |
| Instituição associada: | Universidade Nova de Lisboa |
| Idioma: | inglês |
| Origem: | Repositório Institucional da UNL |
| Resumo: | This paper examines factors influencing consumer adoption of Central Bank Digital Currencies in retail settings. Using survey data and expert interviews, it explores which design features drive adoption and what would motivate users to switch from existing payment methods. The findings show that practical features such as app integration, low fees, and broad acceptance matter more for adoption than normative concerns like trust or privacy. Behavioural factors like habit and hesitation toward unfamiliar systems also play a key role. The study contributes comparative evidence to CBDC research and offers strategic recommendations for policymakers and private-sector stakeholders. |
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