Digital currencies are rapidly evolving Internet currencies that have been increasingly attracting academic, governmental, banking, and business interest. This paper aims to present the commercial perspective towards the adoption of digital currencies as a means of daily transactions. Considering digital currencies as a pioneering technological innovation, this study proposes a research model that combines the innovation decision process model with the technology acceptance model, adding the construct of perceived security in order to investigate the factors that affect the actual use of digital currencies. The collected data from 254 respondents, derived from an online questionnaire-based survey addressed to commercial users, were further analyzed by using structural equation modeling. The findings of this research have significant implications for academics by bridging the gap in the literature about the factors affecting digital currencies’ commercial adoption and for practitioners concerning decision-making on their adoption and use. More specifically, this study stresses the role of perceived security and the fact that managers need to build their policies regarding transactions in digital currencies on the basis of security. Perceived usefulness was also found to be a significant factor, meaning that commercial users should be aware of the advantages of digital currencies regarding businesses. Moreover, compatibility with existing values and practices affects indirectly the actual use of digital currencies, implying that managers need to perceive that the use of digital currencies should be compatible with existing practices.

中文翻译：

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数字货币商业采用的实证研究

数字货币正在迅速发展的Internet货币越来越吸引了学术，政府，银行和商业的兴趣。本文旨在介绍采用数字货币作为日常交易手段的商业前景。考虑到数字货币是技术创新的先驱，本研究提出了一种将创新决策过程模型与技术接受模型相结合的研究模型，并加入了可感知的安全性结构，以调查影响数字货币实际使用的因素。通过使用结构方程模型进一步分析了从254个受访者收集的数据，这些数据来自于针对商业用户的基于在线问卷的调查。这项研究的发现，通过弥合影响数字货币商业采用的因素的文献空白，以及有关采用和使用决策的实践者，对学者具有重要的意义。更具体地说，本研究强调了感知安全性的作用，以及管理人员需要在安全性基础上建立有关数字货币交易的政策这一事实。还发现感知到的有用性是一个重要因素，这意味着商业用户应该意识到数字货币在商业方面的优势。此外，与现有价值和做法的兼容性会间接影响数字货币的实际使用，