JOURNAL OF FINANCIAL SERVICES MARKETING, vol.0, no.0, 2023 (SSCI)
This
study aims to explain consumers' attitudes toward digital currency and their
intention to use it with perceived trust, risk, usefulness, and ease of use.
Data were obtained from 801 people through an online survey. Structural
equation modeling and Process Macro were run to analyze the obtained data
statistically. According to the statistical analysis results, while the trust
factor affects the risk negatively, it positively affects the usefulness and
attitude. Usefulness and risk have mediating role in the effect of trust on
attitude. In addition, although the effect of usefulness on attitude is
significant, the effect of risk on attitude is not significant. Attitude
affects the intention to use it. Ease of use has a moderating role in this
effect. At low, medium, and high values of ease of use, the attitude has
conditional effects on the intention to use. Although there are many
international studies on the adoption and use of digital currencies, few
studies investigate the predictions of consumers' digital currency use in
developing countries. This study contributes to the literature by raising
awareness about digital currencies in developing countries. This study also
fills an important gap in monitoring consumers' predictions about digital
currency use in developing countries. In the context of the digital currency
issue and the theoretical background of this study, it was seen that the
variables evaluated in this study were not evaluated together in previous
studies. It has been successfully explained that the original research model of
this study has structural validity. As a result, the relationship between the
variables was successfully explained.