The paper employs surveys among Austrian households to study ownership and purchase intentions of crypto-assets. About 1.6% of Austrians own crypto-assets and about 5% can be viewed as potential adopters. Owners, on average, have higher financial knowledge and are more risk-tolerant than non-owners. Distrust in banks or in conventional currencies is not found to be an important driver of ownership. Intentions to adopt are strongly affected by profit expectations and by beliefs that crypto-assets offer advantages for payments—most adopters or potential adopters hold both beliefs. Perceptions of high volatility or the risk of fraud and online theft dampen the demand for crypto-assets.

该论文在奥地利家庭中进行了调查，以研究加密资产的所有权和购买意图。约1.6％的奥地利人拥有加密资产，约5％的人可以视为潜在采用者。平均而言，所有者比非所有者具有更高的财务知识并且更能承受风险。人们发现，对银行或传统货币的不信任不是所有权的重要驱动力。采用意愿受到利润预期和加密资产为付款提供优势的信念的强烈影响，大多数采用者或潜在采用者都持有这两种信念。高波动性或欺诈风险和在线盗窃的感知抑制了对加密资产的需求。