Purpose

With the rise of cryptocurrency and its influence on the financial industry, this paper aims to explore cryptocurrency affordances that lead to approach–avoidance behavioral intentions for non-users (potential) and the intention to continue use for users (actual), drawing upon affordance theory and chasm theory.

Design/methodology/approach

The authors collected data from 480 potential and actual users in Germany and used maximum likelihood structural equation modeling (ML-SEM) to analyze it. In particular, the data consisted of 301 cryptocurrency users in Germany\ the authors used ML-SEM to test the post-adoption model. Additionally, logistic regression was utilized to determine the dominant actual usage method (store of value or medium of exchange) for various cryptocurrency coins.

Findings

According to the study's results, the perceived value benefits have a positive impact on the behavioral intention of potential users to adopt cryptocurrency, and they influence the intention of actual users to continue using it. However, both perceived volatility and financial risk tolerance are the most crucial factors hindering cryptocurrency adoption, whether in the pre-adoption or the post-adoption stage.

Originality/value

This is the first study to reveal cryptocurrency affordances and examine their effect on behavioral intentions toward cryptocurrency adoption based on the differences between non-users (potential) and users (actual). Furthermore, the authors explore how cryptocurrency holders perceive and invest in different coins (e.g. NFTs), which sheds light on factors such as financial risk tolerance that affect their decision making.

中文翻译：

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弥合加密货币的采用差距：了解影响潜在用户的回避行为和实际用户的持续使用的可供性

目的

随着加密货币的兴起及其对金融业的影响，本文旨在探讨加密货币的可供性，利用可供性，导致非用户的接近-回避行为意图（潜在）和用户继续使用的意图（实际）理论和鸿沟理论。

设计/方法论/途径

作者收集了德国 480 名潜在和实际用户的数据，并使用最大似然结构方程模型 (ML-SEM) 对其进行分析。特别是，数据由德国 301 名加密货币用户组成\作者使用 ML-SEM 来测试采用后模型。此外，还利用逻辑回归来确定各种加密货币的主要实际使用方法（价值储存或交换媒介）。

发现

研究结果显示，感知价值收益对潜在用户采用加密货币的行为意图产生积极影响，并影响实际用户继续使用加密货币的意图。然而，无论是在采用前还是采用后阶段，感知波动性和金融风险承受能力都是阻碍加密货币采用的最关键因素。

原创性/价值

这是第一项揭示加密货币可供性的研究，并根据非用户（潜在）和用户（实际）之间的差异来研究它们对采用加密货币的行为意图的影响。此外，作者还探讨了加密货币持有者如何看待和投资不同的货币（例如 NFT），这揭示了影响他们决策的金融风险承受能力等因素。