Research Article
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Merkez Bankası Dijital Para Birimleri (CBDC’ler) ve Kripto Paralar Hakkında Kamuoyu Bilgi ve Algısı: Üniversite Öğrencilerine Yönelik Bir Araştırma

Year 2024, Volume: 14 Issue: 3, 723 - 751, 30.09.2024

Güven Delice , Barış Aksoy , Necati Alp Erilli

https://doi.org/10.18074/ckuiibfd.1484234

Abstract

Paranın elektronik biçimlerinin gelişmesiyle irlikte fiziksel paranın sistem içerisindeki zayıflayan rolü, yazılım tabanlı dijital paraların ortaya çıkmasıyla birlikte daha da gerilemeye başlamıştır. Ulusal ve uluslararası para sisteminde dijital paraların giderek yaygınlaşması, bu alanda önemli bir paradigma değişimine yol açmıştır. Ancak, günümüzün hızla gelişen teknolojik ortamında dijital paralara ilişkin farkındalığın yetersiz olması, önemli bir sorun olarak karşımızda durmaktadır. Bu araştırmada üniversite öğrencilerinin “CBDC’ler” ve “kripto paralar” konusundaki bilgi ve algılarının düzeyi ve beklentileri inceleme konusu yapılmıştır. Bu bağlamda Sivas Cumhuriyet Üniversitesi İktisadi ve İdari Bilimler Fakültesinde öğrenim gören 362 öğrenciden anket yöntemiyle veri toplanmıştır. Çalışmadan elde edilen bulgulara göre, dijital paralar sırasıyla, sağladıkları kolaylıklar, düşük işlem maliyetleri, anonimlik ve güvenilirlik boyutlarıyla ele alınmaktadırlar. Söz konusu paraların benimsenmesi ve kullanılmasında, teknolojik sorunların ve güven eksikliğinin engelleyici faktörler olarak işlev gördüğü anlaşılmaktadır. Özellikle kripto paralar bağlamında yeterince bilinmeyen teknolojinin, değerlerindeki aşırı değişkenliklerin ve siber hırsızlık konularının bu paralara mesafeli bir yaklaşıma sebebiyet verdiği görülmektedir.

Keywords

Merkez bankası dijital parası kripto para dijital paralara ilişkin bilgi ve algı düzeyi

References

  • Referans1: Abramova, S., Böhme, R., Elsinger, H., Stix, H., & Summer, M. (2023). What can central bank digital currency designers learn from asking potential users? Nineteenth Symposium on Usable Privacy and Security. Anaheim, CA, USA: USENIX Association.
  • Referans2: Agama, E. J. (2021). Investigating the adoption and usage of cryptocurrencies in Nigeria. Arts and Social Science Research, 11, 91-111.
  • Referans3: Albayati, H., Kim, S. K., & Rho, J. J. (2020). Accepting financial transactions using blockchain technology and cryptocurrency: A customer perspective approach. Technology in Society, 62, 1-14. https://doi.org/10.1016/j.techsoc.2020.101320.
  • Referans4: Almajali, D. A., Masa’Deh, R., & Dahalin, Z. M. (2022). Factors influencing the adoption of Cryptocurrency in Jordan: An application of the extended TRA model. Cogent Social Sciences, 8(1), 1-26. doi:10.1080/23311886.2022.2103901.
  • Referans5: Al-Omoush, K. S., Gomez-Olmedo, A. M., & Funes, A. G. (2024). Why do people choose to continue using cryptocurrencies? Technological Forecasting & Social Change, 200, 1-13. https://doi.org/10.1016/j.techfore.2023.123151.
  • Referans6: Alonso, S. L., Jorge-V´azquez, J., Rodríguez, P. A., & Hern´andez, B. M. (2023). Gender gap in the ownership and use of cryptocurrencies: Empirical evidence from Spain. Journal of Open Innovation: Technology, Market, and Complexity, 1-16.
  • Referans7: Arias-Oliva, M., Pelegrín-Borondo, J., & Matías-Clavero, G. (2019). Variables ınfluencing cryptocurrency use: a technology acceptance model in Spain. Front. Psychol., 10(475), 1-13. doi: 10.3389/fpsyg.2019.00475.
  • Referans8: Arias-Oliva, M., Andrés-Sánchez, J. d., & Pelegrín-Borondo, J. (2021). Fuzzy set qualitative comparative analysis of factors influencing the use of cryptocurrencies in Spanish households. Mathematics, 9 (324), 1-19. https://doi.org/10.3390/math9040.
  • Referans9: Arli, D., Esch, P. v., Bakpayev, M., & Laurence, A. (2021). Do consumers really trust cryptocurrencies? Marketing Intelligence & Planning, 39(1), 74-90. doi: 10.1108/MIP-01-2020-0036.
  • Referans10: Avcı, İ., Özmen, E., & Özhan, M. (2023). Research on consumer opinions on the use of cryptocurrency in online shopping. International Journal of Management Economics and Business, 19(2), 311-327. http://dx.doi.org/10.17130/ijmeb.1184387.
  • Referans11: Barontini, C. ve Holden H., (2019). Proceeding with Caution –A Survey on Central Bank Digital Currency, BIS Papers No 101, Bank for International Settlements.
  • Referans12: Bijlsma, M., Cruijsen, C. v., Jonker, N., & Reijerink, J. (2024). What triggers consumer adoption of Central Bank Digital Currency? Journal of Financial Services Research, 65, 1-40. https://doi.org/10.1007/s10693-023-00420-8.
  • Referans13: Boztosun, D. ve Keskin O., (2022). Türkiye’de kripto para birimlerinin bilinirliği, kullanımı ve gelecek beklentileri üzerine bir araştırma, İşletme Araştırmaları Dergisi, 14 (3), 2354-2367. https://doi.org/10.20491/isarder.2022.1506.
  • Referans14: Ceylan, F. (2024). A review of central bank digital currency: current status and changing trends, İktisat Dergisi. 39(2). 568-589. doi: 10.24988/ije.1422562.
  • Referans15: Chen, S., Goel, T., Qiu, H., & Shim, I. (2022). CBDCs in emerging market economies. BIS Papers, No 123, Bank for International Settlements.
  • Referans16: Cunha, P. R., Melo, P., & Sebastião, H. (2021). From Bitcoin to Central Bank Digital Currencies: Making sense of the digital money revolution. Future Internet, 13, 1-19.
  • Referans17: Esmaeilzadeh, P., Subramanian, H., & Cousins, K. (2019). Individuals’ cryptocurrency adoption: a proposed moderated mediation model. Twenty-fifth Americas Conference on Information Systems. Cancun.
  • Referans18: Farhana, K., & Muthaiyah, S. (2022). Behavioral intention to use cryptocurrency as an electronic payment in Malaysia. Journal of System and Management Sciences, 12(4), 219-231.
  • Referans19: Fettahoğlu, S., & Sayan, Ö. (2021). Attitudes of individuals about using cryptocurrencies: evidence from Turkey. İstanbul Ticaret Üniversitesi Sosyal Bilimler Dergisi, 20(42), 1122-1146. doi: https://doi.org/10.46928/iticusbe.793380.
  • Referans20: Gagarina, M., Nestik, T., & Drobysheva, T. (2019). Social and psychological predictors of youths’ attitudes to cryptocurrency. Behavioral Sciences, 9 (118), 1-10. doi:10.3390/bs9120118.
  • Referans21: Genc, H. O. and Takagi S. (2024). A literature review on the design and implementation of Central Bank Digital Currencies, International Journal of Economic Policy Studies, 18:197–225.
  • Referans22: Hasan, S. Z., Ayub, H., Ellahi, A., & Saleem, M. (2022). A moderated mediation model of factors influencing intention to adopt cryptocurrency among university students. Human Behavior and Emerging Technologies, 2022, 1-14. https://doi.org/10.1155/2022/9718920.
  • Referans23: Horváth, D. (2023). Money in the digital age: Exploring the potential of central bank digital currency with a focus on social adaptation and education, Sustainable Futures, 6, 1-13. https://doi.org/10.1016/j.sftr.2023.100136.
  • Referans24: Ji-Xi, J. T., Salamzadeh, Y., & Teoh, A. P. (2021). Behavioral intention to use cryptocurrency in Malaysia: an empirical study. The Bottom Line, 170-197. doi: 10.1108/BL-08-2020-0053.
  • Referans25: Koziuk, V. (2021 ). Confidence in digital money: Are central banks more trusted than age is matter? Investment Management and Financial Innovations, 18(1), 12-32. doi: http://dx.doi.org/10.21511/imfi.18(1).2021.02.
  • Referans26: Kulasekhar, M., & Reddy, K. S. (2023). The role of central bank digital currencies (cbdcs) in reshaping monetary policy: a global analysis of economic implications and ımplementation. European Economic Letters, 13(5), 362-371. https://doi.org/10.52783/eel.v13i5.763.
  • Referans27: Kumari, V., Bala, P. K., & Chakraborty, S. (2023). An empirical study of user adoption of cryptocurrency using blockchain technology: analysing role of success factors like technology awareness and financial literacy. J. Theor. Appl. Electron. Commer. Res, 18, 1580-1600. https://doi.org/10.3390/jtaer18030080.
  • Referans28: Liu, X., Wang, Q., Wu, G., & Zhang, C. (2022). Determinants of individuals’ intentions to use central bank digital currency: evidence from China. Technology Analysis & Strategic Management, 1-15, doi: 10.1080/09537325.2022.2131517.
  • Referans29: Ma, C., Jin, Z., Mei, Z., Zhou, F., She, X., Huang, J., & Liu, D. (2022). Internet of things background: an empirical study on the payment intention of Central Bank Digital Currency design. Hindawi Mobile Information Systems, 1-12, https://doi.org/10.1155/2022/4846372.
  • Referans30: Menon, R., (2022), Making Sense of Crypto, Finance & Development, International Monetary Fund, September, 14-17.
  • Referans31: Mohammed, M. A., De-Pablos-Heredero, C., & Botella, J. L. (2023). Exploring the factors affecting countries’ adoption of blockchain-enabled central bank digital currencies. Future Internet, 15 (321), 1-14, https://doi.org/10.3390/fi15100321.
  • Referans32: Muharrem, Ş. ve Kesbiç C. Y. (2022), Kripto para kullanımı üzerine bir araştırma: Manisa örneği, Finans Ekonomi ve Sosyal Araştırmalar Dergisi, 7(4):632-651. doi: 10.29106/fesa.1136679.
  • Referans33: Nadeem, M. A., Liu, Z., Pitafi, A. H., Younis, A., & Xu, Y. (2021). Investigating the adoption factors of cryptocurrencies—a case of Bitcoin: empirical evidence from China. SAGE Open, 1-15. https://doi.org/10.1177/2158244021998704.
  • Referans34: Pichler, P., Summer, M., & Weber, B. (2020). Does digitalization require Central Bank Digital Currencies for the general public? Monetary Policy & The Economy, 40-56.
  • Referans35: Pişkin, F., (2021), Analysis of Public Perception of Central Banks Digital Currencies: A Survey Analysis, Yayımlanmamış Yüksek Lisans Tezi, İstanbul Bilgi Üniversitesi, Lisansüstü Programlar Enstitüsü, İstanbul.
  • Referans36: Prodan, S., Dabija, D.-C., & Marincean, L. (2023). Exploring consumer sentiment on Central Bank Digital Currencies: A twitter analysis from 2021 to 2023. Sciendo, 1085-1102, doi: 10.2478/picbe-2023-098.
  • Referans37: Rahardja, U., Chen, S.-C., Lin, Y.-C., Tsai, T.-C., Aini, Q., Khan, A. Hsu, C.-H. (2023). Evaluating the mediating mechanism of perceived trust and risk toward cryptocurrency: an empirical research. SAGE Open, 1-17. doi: 10.1177/21582440231217854.
  • Referans38: Sagheer, N., Khan, K. I., Fahd, S., Mahmood, S., Rashid, T., & Jamil, H. (2022). Factors affecting adaptability of cryptocurrency: an application of technology acceptance model. Front. Psychol, 13, 1-12. doi: 10.3389/fpsyg.2022.903473.
  • Referans39: Şenkardes, C. G., & Akadur, O. (2021). A research on the factors affecting cryptocurrency investments within the gender context. Journal of Business, Economics and Finance. Journal of Business, Economics and Finance (JBEF), 10(4), 178-189. http://doi.org/10.17261/Pressacademia.2021.1463.
  • Referans40: Shahzad, M.F., Xu, S., Lim, W.M., Hasnain, M., Shahneela, N. (2024). Cryptocurrency awareness, acceptance, and adoption: the role of trust as a cornerstone. Humanit Soc Sci Commun 11, 4 (2024). https://doi.org/10.1057/s41599-023-02528-7.
  • Referans41: Shree, S., Pratap, B., Saroy, R., Sarat, D. (2021). Digital payments and consumer experience in India: a survey based empirical study. J Bank Financ Technol 5, 1–20, https://doi.org/10.1007/s42786-020-00024-z
  • Referans42: Sobhanifard, Y., & Sadatfarizani, S. (2019). Consumer-based modeling and ranking of the consumption factors of cryptocurrencies. Physica, 528, 1-9, https://doi.org/10.1016/j.physa.2019.121263.
  • Referans43: Steinmetz, F., Meduna, M. v., Ante, L., & Fiedler, I. (2021). Ownership, uses and perceptions of cryptocurrency: Results from a population survey. Technological Forecasting & Social Change, 1-19. https://doi.org/10.1016/j.techfore.2021.121073.
  • Referans44: Sun, M., & Li, Z. (2024). User perception and acceptance of Central Bank Digital Currency in developed and developing countries: an empirical study using technology acceptance model. Business and Society Review, 456-511. doi: 10.3232/UBR.2024.V21.N1.11.
  • Referans45: Tronnier, F., & Kakkar, S. K. (2021). Would you pay with a digital euro? Investigating usage intention in central bank digital currency. SSRN, 1-11, http://dx.doi.org/10.2139/ssrn.4194.
  • Referans46: Wannasawang, W., & Kraiwanit, T. (2023). An adoption of Digital Currency of Central Bank of Thailand. Lawarath Social E-Journal, 5(1), 1-14.
  • Referans47: Wu, Guo, Yang, Jiangqin, Hu, Qiaoxi, (2022), Research on factors affecting people’s intention to use digital currency: empirical evidence from China, Frontiers in Psychology, 13, 1–23. https://doi.org/10.3389/fpsyg.2022.928735.

Year 2024, Volume: 14 Issue: 3, 723 - 751, 30.09.2024

Güven Delice , Barış Aksoy , Necati Alp Erilli

https://doi.org/10.18074/ckuiibfd.1484234

Abstract

References

  • Referans1: Abramova, S., Böhme, R., Elsinger, H., Stix, H., & Summer, M. (2023). What can central bank digital currency designers learn from asking potential users? Nineteenth Symposium on Usable Privacy and Security. Anaheim, CA, USA: USENIX Association.
  • Referans2: Agama, E. J. (2021). Investigating the adoption and usage of cryptocurrencies in Nigeria. Arts and Social Science Research, 11, 91-111.
  • Referans3: Albayati, H., Kim, S. K., & Rho, J. J. (2020). Accepting financial transactions using blockchain technology and cryptocurrency: A customer perspective approach. Technology in Society, 62, 1-14. https://doi.org/10.1016/j.techsoc.2020.101320.
  • Referans4: Almajali, D. A., Masa’Deh, R., & Dahalin, Z. M. (2022). Factors influencing the adoption of Cryptocurrency in Jordan: An application of the extended TRA model. Cogent Social Sciences, 8(1), 1-26. doi:10.1080/23311886.2022.2103901.
  • Referans5: Al-Omoush, K. S., Gomez-Olmedo, A. M., & Funes, A. G. (2024). Why do people choose to continue using cryptocurrencies? Technological Forecasting & Social Change, 200, 1-13. https://doi.org/10.1016/j.techfore.2023.123151.
  • Referans6: Alonso, S. L., Jorge-V´azquez, J., Rodríguez, P. A., & Hern´andez, B. M. (2023). Gender gap in the ownership and use of cryptocurrencies: Empirical evidence from Spain. Journal of Open Innovation: Technology, Market, and Complexity, 1-16.
  • Referans7: Arias-Oliva, M., Pelegrín-Borondo, J., & Matías-Clavero, G. (2019). Variables ınfluencing cryptocurrency use: a technology acceptance model in Spain. Front. Psychol., 10(475), 1-13. doi: 10.3389/fpsyg.2019.00475.
  • Referans8: Arias-Oliva, M., Andrés-Sánchez, J. d., & Pelegrín-Borondo, J. (2021). Fuzzy set qualitative comparative analysis of factors influencing the use of cryptocurrencies in Spanish households. Mathematics, 9 (324), 1-19. https://doi.org/10.3390/math9040.
  • Referans9: Arli, D., Esch, P. v., Bakpayev, M., & Laurence, A. (2021). Do consumers really trust cryptocurrencies? Marketing Intelligence & Planning, 39(1), 74-90. doi: 10.1108/MIP-01-2020-0036.
  • Referans10: Avcı, İ., Özmen, E., & Özhan, M. (2023). Research on consumer opinions on the use of cryptocurrency in online shopping. International Journal of Management Economics and Business, 19(2), 311-327. http://dx.doi.org/10.17130/ijmeb.1184387.
  • Referans11: Barontini, C. ve Holden H., (2019). Proceeding with Caution –A Survey on Central Bank Digital Currency, BIS Papers No 101, Bank for International Settlements.
  • Referans12: Bijlsma, M., Cruijsen, C. v., Jonker, N., & Reijerink, J. (2024). What triggers consumer adoption of Central Bank Digital Currency? Journal of Financial Services Research, 65, 1-40. https://doi.org/10.1007/s10693-023-00420-8.
  • Referans13: Boztosun, D. ve Keskin O., (2022). Türkiye’de kripto para birimlerinin bilinirliği, kullanımı ve gelecek beklentileri üzerine bir araştırma, İşletme Araştırmaları Dergisi, 14 (3), 2354-2367. https://doi.org/10.20491/isarder.2022.1506.
  • Referans14: Ceylan, F. (2024). A review of central bank digital currency: current status and changing trends, İktisat Dergisi. 39(2). 568-589. doi: 10.24988/ije.1422562.
  • Referans15: Chen, S., Goel, T., Qiu, H., & Shim, I. (2022). CBDCs in emerging market economies. BIS Papers, No 123, Bank for International Settlements.
  • Referans16: Cunha, P. R., Melo, P., & Sebastião, H. (2021). From Bitcoin to Central Bank Digital Currencies: Making sense of the digital money revolution. Future Internet, 13, 1-19.
  • Referans17: Esmaeilzadeh, P., Subramanian, H., & Cousins, K. (2019). Individuals’ cryptocurrency adoption: a proposed moderated mediation model. Twenty-fifth Americas Conference on Information Systems. Cancun.
  • Referans18: Farhana, K., & Muthaiyah, S. (2022). Behavioral intention to use cryptocurrency as an electronic payment in Malaysia. Journal of System and Management Sciences, 12(4), 219-231.
  • Referans19: Fettahoğlu, S., & Sayan, Ö. (2021). Attitudes of individuals about using cryptocurrencies: evidence from Turkey. İstanbul Ticaret Üniversitesi Sosyal Bilimler Dergisi, 20(42), 1122-1146. doi: https://doi.org/10.46928/iticusbe.793380.
  • Referans20: Gagarina, M., Nestik, T., & Drobysheva, T. (2019). Social and psychological predictors of youths’ attitudes to cryptocurrency. Behavioral Sciences, 9 (118), 1-10. doi:10.3390/bs9120118.
  • Referans21: Genc, H. O. and Takagi S. (2024). A literature review on the design and implementation of Central Bank Digital Currencies, International Journal of Economic Policy Studies, 18:197–225.
  • Referans22: Hasan, S. Z., Ayub, H., Ellahi, A., & Saleem, M. (2022). A moderated mediation model of factors influencing intention to adopt cryptocurrency among university students. Human Behavior and Emerging Technologies, 2022, 1-14. https://doi.org/10.1155/2022/9718920.
  • Referans23: Horváth, D. (2023). Money in the digital age: Exploring the potential of central bank digital currency with a focus on social adaptation and education, Sustainable Futures, 6, 1-13. https://doi.org/10.1016/j.sftr.2023.100136.
  • Referans24: Ji-Xi, J. T., Salamzadeh, Y., & Teoh, A. P. (2021). Behavioral intention to use cryptocurrency in Malaysia: an empirical study. The Bottom Line, 170-197. doi: 10.1108/BL-08-2020-0053.
  • Referans25: Koziuk, V. (2021 ). Confidence in digital money: Are central banks more trusted than age is matter? Investment Management and Financial Innovations, 18(1), 12-32. doi: http://dx.doi.org/10.21511/imfi.18(1).2021.02.
  • Referans26: Kulasekhar, M., & Reddy, K. S. (2023). The role of central bank digital currencies (cbdcs) in reshaping monetary policy: a global analysis of economic implications and ımplementation. European Economic Letters, 13(5), 362-371. https://doi.org/10.52783/eel.v13i5.763.
  • Referans27: Kumari, V., Bala, P. K., & Chakraborty, S. (2023). An empirical study of user adoption of cryptocurrency using blockchain technology: analysing role of success factors like technology awareness and financial literacy. J. Theor. Appl. Electron. Commer. Res, 18, 1580-1600. https://doi.org/10.3390/jtaer18030080.
  • Referans28: Liu, X., Wang, Q., Wu, G., & Zhang, C. (2022). Determinants of individuals’ intentions to use central bank digital currency: evidence from China. Technology Analysis & Strategic Management, 1-15, doi: 10.1080/09537325.2022.2131517.
  • Referans29: Ma, C., Jin, Z., Mei, Z., Zhou, F., She, X., Huang, J., & Liu, D. (2022). Internet of things background: an empirical study on the payment intention of Central Bank Digital Currency design. Hindawi Mobile Information Systems, 1-12, https://doi.org/10.1155/2022/4846372.
  • Referans30: Menon, R., (2022), Making Sense of Crypto, Finance & Development, International Monetary Fund, September, 14-17.
  • Referans31: Mohammed, M. A., De-Pablos-Heredero, C., & Botella, J. L. (2023). Exploring the factors affecting countries’ adoption of blockchain-enabled central bank digital currencies. Future Internet, 15 (321), 1-14, https://doi.org/10.3390/fi15100321.
  • Referans32: Muharrem, Ş. ve Kesbiç C. Y. (2022), Kripto para kullanımı üzerine bir araştırma: Manisa örneği, Finans Ekonomi ve Sosyal Araştırmalar Dergisi, 7(4):632-651. doi: 10.29106/fesa.1136679.
  • Referans33: Nadeem, M. A., Liu, Z., Pitafi, A. H., Younis, A., & Xu, Y. (2021). Investigating the adoption factors of cryptocurrencies—a case of Bitcoin: empirical evidence from China. SAGE Open, 1-15. https://doi.org/10.1177/2158244021998704.
  • Referans34: Pichler, P., Summer, M., & Weber, B. (2020). Does digitalization require Central Bank Digital Currencies for the general public? Monetary Policy & The Economy, 40-56.
  • Referans35: Pişkin, F., (2021), Analysis of Public Perception of Central Banks Digital Currencies: A Survey Analysis, Yayımlanmamış Yüksek Lisans Tezi, İstanbul Bilgi Üniversitesi, Lisansüstü Programlar Enstitüsü, İstanbul.
  • Referans36: Prodan, S., Dabija, D.-C., & Marincean, L. (2023). Exploring consumer sentiment on Central Bank Digital Currencies: A twitter analysis from 2021 to 2023. Sciendo, 1085-1102, doi: 10.2478/picbe-2023-098.
  • Referans37: Rahardja, U., Chen, S.-C., Lin, Y.-C., Tsai, T.-C., Aini, Q., Khan, A. Hsu, C.-H. (2023). Evaluating the mediating mechanism of perceived trust and risk toward cryptocurrency: an empirical research. SAGE Open, 1-17. doi: 10.1177/21582440231217854.
  • Referans38: Sagheer, N., Khan, K. I., Fahd, S., Mahmood, S., Rashid, T., & Jamil, H. (2022). Factors affecting adaptability of cryptocurrency: an application of technology acceptance model. Front. Psychol, 13, 1-12. doi: 10.3389/fpsyg.2022.903473.
  • Referans39: Şenkardes, C. G., & Akadur, O. (2021). A research on the factors affecting cryptocurrency investments within the gender context. Journal of Business, Economics and Finance. Journal of Business, Economics and Finance (JBEF), 10(4), 178-189. http://doi.org/10.17261/Pressacademia.2021.1463.
  • Referans40: Shahzad, M.F., Xu, S., Lim, W.M., Hasnain, M., Shahneela, N. (2024). Cryptocurrency awareness, acceptance, and adoption: the role of trust as a cornerstone. Humanit Soc Sci Commun 11, 4 (2024). https://doi.org/10.1057/s41599-023-02528-7.
  • Referans41: Shree, S., Pratap, B., Saroy, R., Sarat, D. (2021). Digital payments and consumer experience in India: a survey based empirical study. J Bank Financ Technol 5, 1–20, https://doi.org/10.1007/s42786-020-00024-z
  • Referans42: Sobhanifard, Y., & Sadatfarizani, S. (2019). Consumer-based modeling and ranking of the consumption factors of cryptocurrencies. Physica, 528, 1-9, https://doi.org/10.1016/j.physa.2019.121263.
  • Referans43: Steinmetz, F., Meduna, M. v., Ante, L., & Fiedler, I. (2021). Ownership, uses and perceptions of cryptocurrency: Results from a population survey. Technological Forecasting & Social Change, 1-19. https://doi.org/10.1016/j.techfore.2021.121073.
  • Referans44: Sun, M., & Li, Z. (2024). User perception and acceptance of Central Bank Digital Currency in developed and developing countries: an empirical study using technology acceptance model. Business and Society Review, 456-511. doi: 10.3232/UBR.2024.V21.N1.11.
  • Referans45: Tronnier, F., & Kakkar, S. K. (2021). Would you pay with a digital euro? Investigating usage intention in central bank digital currency. SSRN, 1-11, http://dx.doi.org/10.2139/ssrn.4194.
  • Referans46: Wannasawang, W., & Kraiwanit, T. (2023). An adoption of Digital Currency of Central Bank of Thailand. Lawarath Social E-Journal, 5(1), 1-14.
  • Referans47: Wu, Guo, Yang, Jiangqin, Hu, Qiaoxi, (2022), Research on factors affecting people’s intention to use digital currency: empirical evidence from China, Frontiers in Psychology, 13, 1–23. https://doi.org/10.3389/fpsyg.2022.928735.
There are 47 citations in total.

Details

Primary Language Turkish
Subjects Monetary-Banking, Financial Economy, Finance
Journal Section Research Article
Authors

Güven Delice 0000-0002-8034-8896

Barış Aksoy 0000-0002-1090-5693

Necati Alp Erilli 0000-0001-6948-0880

Early Pub Date September 27, 2024
Publication Date September 30, 2024
Submission Date May 16, 2024
Acceptance Date July 22, 2024
Published in Issue Year 2024 Volume: 14 Issue: 3

Cite

APA Delice, G., Aksoy, B., & Erilli, N. A. (2024). Merkez Bankası Dijital Para Birimleri (CBDC’ler) ve Kripto Paralar Hakkında Kamuoyu Bilgi ve Algısı: Üniversite Öğrencilerine Yönelik Bir Araştırma. Çankırı Karatekin Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi, 14(3), 723-751. https://doi.org/10.18074/ckuiibfd.1484234
AMA Delice G, Aksoy B, Erilli NA. Merkez Bankası Dijital Para Birimleri (CBDC’ler) ve Kripto Paralar Hakkında Kamuoyu Bilgi ve Algısı: Üniversite Öğrencilerine Yönelik Bir Araştırma. Çankırı Karatekin Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi. September 2024;14(3):723-751. doi:10.18074/ckuiibfd.1484234
Chicago Delice, Güven, Barış Aksoy, and Necati Alp Erilli. “Merkez Bankası Dijital Para Birimleri (CBDC’ler) Ve Kripto Paralar Hakkında Kamuoyu Bilgi Ve Algısı: Üniversite Öğrencilerine Yönelik Bir Araştırma”. Çankırı Karatekin Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi 14, no. 3 (September 2024): 723-51. https://doi.org/10.18074/ckuiibfd.1484234.
EndNote Delice G, Aksoy B, Erilli NA (September 1, 2024) Merkez Bankası Dijital Para Birimleri (CBDC’ler) ve Kripto Paralar Hakkında Kamuoyu Bilgi ve Algısı: Üniversite Öğrencilerine Yönelik Bir Araştırma. Çankırı Karatekin Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi 14 3 723–751.
IEEE G. Delice, B. Aksoy, and N. A. Erilli, “Merkez Bankası Dijital Para Birimleri (CBDC’ler) ve Kripto Paralar Hakkında Kamuoyu Bilgi ve Algısı: Üniversite Öğrencilerine Yönelik Bir Araştırma”, Çankırı Karatekin Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, vol. 14, no. 3, pp. 723–751, 2024, doi: 10.18074/ckuiibfd.1484234.
ISNAD Delice, Güven et al. “Merkez Bankası Dijital Para Birimleri (CBDC’ler) Ve Kripto Paralar Hakkında Kamuoyu Bilgi Ve Algısı: Üniversite Öğrencilerine Yönelik Bir Araştırma”. Çankırı Karatekin Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi 14/3 (September 2024), 723-751. https://doi.org/10.18074/ckuiibfd.1484234.
JAMA Delice G, Aksoy B, Erilli NA. Merkez Bankası Dijital Para Birimleri (CBDC’ler) ve Kripto Paralar Hakkında Kamuoyu Bilgi ve Algısı: Üniversite Öğrencilerine Yönelik Bir Araştırma. Çankırı Karatekin Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi. 2024;14:723–751.
MLA Delice, Güven et al. “Merkez Bankası Dijital Para Birimleri (CBDC’ler) Ve Kripto Paralar Hakkında Kamuoyu Bilgi Ve Algısı: Üniversite Öğrencilerine Yönelik Bir Araştırma”. Çankırı Karatekin Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi, vol. 14, no. 3, 2024, pp. 723-51, doi:10.18074/ckuiibfd.1484234.
Vancouver Delice G, Aksoy B, Erilli NA. Merkez Bankası Dijital Para Birimleri (CBDC’ler) ve Kripto Paralar Hakkında Kamuoyu Bilgi ve Algısı: Üniversite Öğrencilerine Yönelik Bir Araştırma. Çankırı Karatekin Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi. 2024;14(3):723-51.