University of Twente Student Theses
A qualitative study of Central Bank Digital Currencies and their impacts on European consumers
Roelofs, Bor (2023) A qualitative study of Central Bank Digital Currencies and their impacts on European consumers.
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| Abstract: | This thesis aims to understand Central Bank Digital Currencies (CBDCs) and the kind of effects this new form of currency could have on European consumers. This impact is reviewed by analysing the impacts of different design elements, the costs and benefits of CBDCs for consumers and consumer behaviour concerning the adoption of CBDCs. This was accomplished through a qualitative research approach using academic literature from monetary organisations and research from independent academic scholars. For the analysis of consumer adoption, 2 academic frameworks were used. The Technology Acceptance Model to analyse consumer’s intentions towards using CBDCs, and Privacy Calculus Theory to analyse consumer’s thought process towards disclosing personal information. The thesis indicates the significant effects of different design elements on consumers, costs and benefits, and key attributes for successful consumer adoption. All in all, this thesis shows that CBDCs can have significant impacts on consumers, both positive and negative, which will be influenced by design elements. |
| Item Type: | Essay (Bachelor) |
| Faculty: | BMS: Behavioural, Management and Social Sciences |
| Subject: | 85 business administration, organizational science |
| Programme: | International Business Administration BSc (50952) |
| Link to this item: | https://purl.utwente.nl/essays/95496 |
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