Cryptocurrencies have the potential to become a disruptive innovation because they define a new paradigm: the decentralization of trust in secure electronic transactions without the need for a central control authority. Cryptocurrencies arouse interest in society because they reformulate the generation and transference of money. The aim of this paper is to investigate the role of the disruptive innovation of cryptocurrencies in the acceptance and trust perceived by users with regard to the monetary transactions generated in e-commerce. This paper defines a model using constructs from the technology acceptance model, trust and perceived risk. This model is evaluated using partial least squares analysis. The findings affirm that perceived trust, perceived risk, and perceived ease of use are not strong predictors of the intention to use cryptocurrencies and that the strength of their effects on the intention to use is determined by the perceived usefulness of adopting the mentioned disruptive innovation. This preliminary study makes a significant contribution to consumer behaviour research by analysing a cryptocurrency acceptance model for C2C e-commerce. The theoretical and practical contributions are detailed in the final section of the paper.

中文翻译：

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消费者接受和信任中的突破性加密货币创新

加密货币有可能成为颠覆性创新，因为它们定义了一种新的范例：无需中央控制机构就可以将对安全电子交易的信任分散。加密货币引起了社会的兴趣，因为它们重新定义了货币的产生和转移。本文的目的是研究加密货币的颠覆性创新在用户对电子商务中产生的货币交易的接受和信任中的作用。本文使用技术接受模型，信任和感知风险中的构造来定义模型。使用偏最小二乘分析评估该模型。研究结果证实，感知到的信任，感知到的风险，易用性和感知的易用性不是使用加密货币意图的强力预测指标，其对使用意图的影响强度取决于采用上述破坏性创新的感知有用性。这项初步研究通过分析C2C电子商务的加密货币接受模型，为消费者行为研究做出了重大贡献。本文的最后一部分将详细介绍理论和实践方面的贡献。