{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,1,16]],"date-time":"2026-01-16T12:29:14Z","timestamp":1768566554544,"version":"3.49.0"},"reference-count":112,"publisher":"Springer Science and Business Media LLC","issue":"1","license":[{"start":{"date-parts":[[2024,7,18]],"date-time":"2024-07-18T00:00:00Z","timestamp":1721260800000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0"},{"start":{"date-parts":[[2024,7,18]],"date-time":"2024-07-18T00:00:00Z","timestamp":1721260800000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0"}],"funder":[{"name":"DZ Bank Stiftung","award":["FRFMM-788\/2022"],"award-info":[{"award-number":["FRFMM-788\/2022"]}]}],"content-domain":{"domain":["link.springer.com"],"crossmark-restriction":false},"short-container-title":["Electron Markets"],"published-print":{"date-parts":[[2024,12]]},"abstract":"<jats:title>Abstract<\/jats:title><jats:p>After the initial surge in decentralized finance, widespread public adoption did not materialize. A predominant portion of the populace harbors distrust towards the crypto asset market. Conversely, banks, serving as intermediaries in financial management, enjoy heightened trust. The contemporary development within the banking sector indicates an inclination towards integrating into the crypto asset market. This integration results in new business models for banking institutions and emergent opportunities for their clientele. Prior research addresses perceptions surrounding cryptocurrencies. The present research augments this field by investigating the acceptance of crypto assets. Specifically, we conducted an empirical user study to analyze investing behaviors. By adapting the theoretical framework of the technology acceptance model to the unique characteristics of crypto assets, we highlight acceptance drivers. Notable variances in awareness of crypto assets affect investment decisions. The findings of this study contribute to social welfare by identifying impediments to sustainable investment practices. Additionally, these insights facilitate a more sophisticated comprehension of strategic alternatives available to banking institutions.<\/jats:p>","DOI":"10.1007\/s12525-024-00720-4","type":"journal-article","created":{"date-parts":[[2024,7,18]],"date-time":"2024-07-18T09:01:57Z","timestamp":1721293317000},"update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":6,"title":["Re-intermediation of the crypto asset ecosystem by banks: An empirical study on acceptance drivers among the populace"],"prefix":"10.1007","volume":"34","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-5604-4059","authenticated-orcid":false,"given":"Christian","family":"Zei\u00df","sequence":"first","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0000-0002-9829-5462","authenticated-orcid":false,"given":"Myriam","family":"Schaschek","sequence":"additional","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0009-0000-9050-7574","authenticated-orcid":false,"given":"Lisa","family":"Straub","sequence":"additional","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0009-0005-7465-9937","authenticated-orcid":false,"given":"Christoph","family":"Tomitza","sequence":"additional","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0000-0002-2896-566X","authenticated-orcid":false,"given":"Axel","family":"Winkelmann","sequence":"additional","affiliation":[]}],"member":"297","published-online":{"date-parts":[[2024,7,18]]},"reference":[{"key":"720_CR1","doi-asserted-by":"publisher","unstructured":"Abramova, S., & B\u00f6hme, R. (2016). Perceived benefit and risk as multidimensional determinants of bitcoin use: A quantitative exploratory study. International conference on information systems (pp. 1\u201320). https:\/\/doi.org\/10.17705\/4ICIS.00001","DOI":"10.17705\/4ICIS.00001"},{"key":"720_CR2","doi-asserted-by":"publisher","first-page":"179","DOI":"10.1016\/0749-5978(91)90020-T","volume":"50","author":"I Ajzen","year":"1991","unstructured":"Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50, 179\u2013211. https:\/\/doi.org\/10.1016\/0749-5978(91)90020-T","journal-title":"Organizational Behavior and Human Decision Processes"},{"key":"720_CR3","doi-asserted-by":"publisher","first-page":"314","DOI":"10.1002\/hbe2.195","volume":"2","author":"I Ajzen","year":"2020","unstructured":"Ajzen, I. (2020). The theory of planned behavior: Frequently asked questions. Human Behavior and Emerging Technologies, 2, 314\u2013324. https:\/\/doi.org\/10.1002\/hbe2.195","journal-title":"Human Behavior and Emerging Technologies"},{"key":"720_CR4","doi-asserted-by":"publisher","DOI":"10.1016\/j.techsoc.2020.101320","volume":"62","author":"H Albayati","year":"2020","unstructured":"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, 101320. https:\/\/doi.org\/10.1016\/j.techsoc.2020.101320","journal-title":"Technology in Society"},{"key":"720_CR5","doi-asserted-by":"publisher","first-page":"102625","DOI":"10.1016\/j.jimonn.2022.102625","volume":"124","author":"F Allen","year":"2022","unstructured":"Allen, F., Gu, X., & Jagtiani, J. (2022). Fintech, cryptocurrencies, and CBDC: Financial structural transformation in China. Journal of International Money and Finance, 124, 102625. https:\/\/doi.org\/10.1016\/j.jimonn.2022.102625","journal-title":"Journal of International Money and Finance"},{"key":"720_CR6","doi-asserted-by":"publisher","unstructured":"Alqaryouti, O., Siyam, N., Alkashri, Z., & Shaalan, K. (2020). Cryptocurrency usage impact on perceived benefits and users\u2019 behaviour. M. Themistocleous & M. Papadaki (Eds.), Information systems (pp. 123\u2013136). Cham: Springer International Publishing. https:\/\/doi.org\/10.1007\/978-3-030-44322-1_10","DOI":"10.1007\/978-3-030-44322-1_10"},{"key":"720_CR7","doi-asserted-by":"publisher","first-page":"130","DOI":"10.1016\/j.technovation.2008.07.004","volume":"29","author":"SA Al-Somali","year":"2009","unstructured":"Al-Somali, S. A., Gholami, R., & Clegg, B. (2009). An investigation into the acceptance of online banking in Saudi Arabia. Technovation, 29, 130\u2013141. https:\/\/doi.org\/10.1016\/j.technovation.2008.07.004","journal-title":"Technovation"},{"issue":"2","key":"720_CR8","doi-asserted-by":"publisher","first-page":"181","DOI":"10.1007\/s12525-020-00428-1","volume":"30","author":"R Alt","year":"2020","unstructured":"Alt, R. (2020). Electronic markets on blockchain markets. Electronic Markets, 30(2), 181\u2013188. https:\/\/doi.org\/10.1007\/s12525-020-00428-1","journal-title":"Electronic Markets"},{"key":"720_CR9","doi-asserted-by":"publisher","unstructured":"Alt, R., Fridgen, G., & Chang, Y. (2024). The future of fintech - Towards ubiquitous financial services. Electronic Markets, 34, 3. https:\/\/doi.org\/10.1007\/s12525-023-00687-8","DOI":"10.1007\/s12525-023-00687-8"},{"key":"720_CR10","doi-asserted-by":"publisher","first-page":"1","DOI":"10.3389\/fpsyg.2019.00475","volume":"10","author":"M Arias-Oliva","year":"2019","unstructured":"Arias-Oliva, M., Pelegr\u00edn-Borondo, J., & Mat\u00edas-Clavero, G. (2019). Variables influencing cryptocurrency use: A technology acceptance model in Spain. Frontiers in Psychology, 10, 1\u201314. https:\/\/doi.org\/10.3389\/fpsyg.2019.00475","journal-title":"Frontiers in Psychology"},{"key":"720_CR11","first-page":"185","volume":"19","author":"R Auer","year":"2023","unstructured":"Auer, R., Cornelli, G., & Frost, J. (2023). Rise of the central bank digital currencies. International Journal of Central Banking, 19, 185\u2013214.","journal-title":"International Journal of Central Banking"},{"key":"720_CR12","doi-asserted-by":"publisher","unstructured":"Auer, R., Farag, M., Lewrick, U., Orazem, L., Zoss, M. (2023). Banking in the shadow of bitcoin? The institutional adoption of cryptocurrencies. SSRN, 1\u201325. https:\/\/doi.org\/10.2139\/ssrn.4416784","DOI":"10.2139\/ssrn.4416784"},{"key":"720_CR13","doi-asserted-by":"publisher","unstructured":"Banh, L., & Strobel, G. (2023). Generative artificial intelligence. Electronic Markets, 33, 63. https:\/\/doi.org\/10.1007\/s12525-023-00680-1","DOI":"10.1007\/s12525-023-00680-1"},{"key":"720_CR14","first-page":"13","volume-title":"Consumer behavior as risk taking","author":"RA Bauer","year":"1967","unstructured":"Bauer, R. A. (1967). Consumer behavior as risk taking (pp. 13\u201321). Marketing: Critical perspectives on business and management."},{"key":"720_CR15","unstructured":"Bech, M.L., & Garratt, R. (2017). Central bank cryptocurrencies. BIS Quarterly Review September, 1\u201316."},{"key":"720_CR16","doi-asserted-by":"publisher","unstructured":"Bohr, J., & Bashir, M. (2014). Who uses bitcoin? An exploration of the bitcoin community. 2014 Twelfth annual international conference on privacy, security and trust (pp. 94\u2013101). https:\/\/doi.org\/10.1109\/PST.2014.6890928","DOI":"10.1109\/PST.2014.6890928"},{"key":"720_CR17","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1016\/j.intfin.2022.101609","volume":"79","author":"Y Bonaparte","year":"2022","unstructured":"Bonaparte, Y. (2022). Time horizon and cryptocurrency ownership: Is crypto not speculative? Journal of International Financial Markets, Institutions and Money, 79, 1\u201323. https:\/\/doi.org\/10.1016\/j.intfin.2022.101609","journal-title":"Journal of International Financial Markets, Institutions and Money"},{"key":"720_CR18","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1111\/1467-8551.00147","volume":"11","author":"C Bowman","year":"2000","unstructured":"Bowman, C., & Ambrosini, V. (2000). Value creation versus value capture: Towards a coherent definition of value in strategy. British Journal of Management, 11, 1\u201315. https:\/\/doi.org\/10.1111\/1467-8551.00147","journal-title":"British Journal of Management"},{"key":"720_CR19","doi-asserted-by":"publisher","unstructured":"Bruckner, M. T., Steininger, D. M., Thatcher, J. B., & Veit, D. J. (2023). The effect of lockup and persuasion on online investment decisions: An experimental study in ICOs. Electronic Markets, 33, 31, 1\u201325. https:\/\/doi.org\/10.1007\/s12525-023-00648-1","DOI":"10.1007\/s12525-023-00648-1"},{"key":"720_CR20","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1016\/j.jbvi.2022.e00309","volume":"17","author":"D Chalmers","year":"2022","unstructured":"Chalmers, D., Fisch, C., Matthews, R., Quinn, W., & Recker, J. (2022). Beyond the bubble: Will NFTs and digital proof of ownership empower creative industry entrepreneurs? Journal of Business Venturing Insights, 17, 1\u20138. https:\/\/doi.org\/10.1016\/j.jbvi.2022.e00309","journal-title":"Journal of Business Venturing Insights"},{"key":"720_CR21","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1016\/j.jbvi.2019.e00151","volume":"13","author":"Y Chen","year":"2020","unstructured":"Chen, Y., & Bellavitis, C. (2020). Blockchain disruption and decentralized finance: The rise of decentralized business models. Journal of Business Venturing Insights, 13, 1\u201311. https:\/\/doi.org\/10.1016\/j.jbvi.2019.e00151","journal-title":"Journal of Business Venturing Insights"},{"key":"720_CR22","doi-asserted-by":"publisher","unstructured":"Cheng, D., Liu, G., Qian, C., & Song, Y.-F. (2008). Customer acceptance of internet banking: Integrating trust and quality with UTAUT model. 2008 IEEE international conference on service operations and logistics, and informatics (pp. 383\u2013388). https:\/\/doi.org\/10.1109\/SOLI.2008.4686425","DOI":"10.1109\/SOLI.2008.4686425"},{"key":"720_CR23","doi-asserted-by":"publisher","first-page":"3416","DOI":"10.1109\/COMST.2018.2842460","volume":"20","author":"M Conti","year":"2018","unstructured":"Conti, M., Kumar, E. S., Lal, C., & Ruj, S. (2018). A survey on security and privacy issues of bitcoin. IEEE Communications Surveys & Tutorials, 20, 3416\u20133452. https:\/\/doi.org\/10.1109\/COMST.2018.2842460","journal-title":"IEEE Communications Surveys & Tutorials"},{"key":"720_CR24","doi-asserted-by":"publisher","unstructured":"Cuong, P.K., & Jian, Z. (2014). Factors influencing individual investors\u2019 behavior: An empirical study of the Vietnamese stock market. American Journal of Business and Management, 3, 77\u201394. https:\/\/doi.org\/10.11634\/216796061403527","DOI":"10.11634\/216796061403527"},{"key":"720_CR25","unstructured":"Davis, F.D. (1985). A technology acceptance model for empirically testing new end-user information systems: Theory and results (Unpublished doctoral dissertation). Massachusetts Institute of Technology."},{"key":"720_CR26","doi-asserted-by":"publisher","first-page":"319","DOI":"10.2307\/249008","volume":"13","author":"FD Davis","year":"1989","unstructured":"Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13, 319\u2013340. https:\/\/doi.org\/10.2307\/249008","journal-title":"MIS Quarterly"},{"key":"720_CR27","doi-asserted-by":"publisher","unstructured":"Dinev, T., & Hu, Q. (2007). The centrality of awareness in the formation of user behavioral intention toward protective information technologies. Journal of the Association for Information Systems, 8, 386\u2013408. https:\/\/doi.org\/10.17705\/1jais.00133","DOI":"10.17705\/1jais.00133"},{"key":"720_CR28","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1016\/j.tre.2020.102067","volume":"142","author":"P Dutta","year":"2020","unstructured":"Dutta, P., Choi, T.-M., Somani, S., & Butala, R. (2020). Blockchain technology in supply chain operations: Applications, challenges and research opportunities. Transportation Research Part E: Logistics and Transportation Review, 142, 1\u201333. https:\/\/doi.org\/10.1016\/j.tre.2020.102067","journal-title":"Transportation Research Part E: Logistics and Transportation Review"},{"key":"720_CR29","doi-asserted-by":"publisher","first-page":"451","DOI":"10.1016\/S1071-5819(03)00111-3","volume":"59","author":"MS Featherman","year":"2003","unstructured":"Featherman, M. S., & Pavlou, P. A. (2003). Predicting e-services adoption: A perceived risk facets perspective. International Journal of Human-Computer Studies, 59, 451\u2013474. https:\/\/doi.org\/10.1016\/S1071-5819(03)00111-3","journal-title":"International Journal of Human-Computer Studies"},{"key":"720_CR30","doi-asserted-by":"publisher","first-page":"1861","DOI":"10.1287\/mnsc.2013.1849","volume":"60","author":"D Fernandes","year":"2014","unstructured":"Fernandes, D., Lynch, J. G., & Netemeyer, R. G. (2014). Financial literacy, financial education, and downstream financial behaviors. Management Science, 60, 1861\u20131883. https:\/\/doi.org\/10.1287\/mnsc.2013.1849","journal-title":"Management Science"},{"key":"720_CR31","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1016\/j.clsr.2021.105632","volume":"43","author":"A Ferreira","year":"2021","unstructured":"Ferreira, A., & Sandner, P. (2021). EU search for regulatory answers to crypto assets and their place in the financial markets\u2019 infrastructure. Computer Law & Security Review, 43, 1\u201315. https:\/\/doi.org\/10.1016\/j.clsr.2021.105632","journal-title":"Computer Law & Security Review"},{"key":"720_CR32","unstructured":"Feulner, S., Guggenberger, T., Stoetzer, J.-C., & Urbach, N. (2022). Shedding light on the blockchain disintermediation mystery: A review and future research agenda. ECIS 2022 research papers (pp. 1\u201321). https:\/\/aisel.aisnet.org\/ecis2022_rp\/13"},{"issue":"2","key":"720_CR33","first-page":"130","volume":"10","author":"M Fishbein","year":"1975","unstructured":"Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention and behavior: An introduction to theory and research. Philosophy & Rhetoric, 10(2), 130\u2013132.","journal-title":"Philosophy & Rhetoric"},{"key":"720_CR34","doi-asserted-by":"publisher","first-page":"220","DOI":"10.1080\/15228053.2016.1275242","volume":"18","author":"D Folkinshteyn","year":"2016","unstructured":"Folkinshteyn, D., & Lennon, M. (2016). Braving bitcoin: A technology acceptance model (TAM) analysis. Journal of Information Technology Case and Application Research, 18, 220\u2013249. https:\/\/doi.org\/10.1080\/15228053.2016.1275242","journal-title":"Journal of Information Technology Case and Application Research"},{"key":"720_CR35","doi-asserted-by":"publisher","first-page":"4560","DOI":"10.1080\/00036846.2021.1904125","volume":"53","author":"H Fujiki","year":"2021","unstructured":"Fujiki, H. (2021). Crypto asset ownership, financial literacy, and investment experience. Applied Economics, 53, 4560\u20134581. https:\/\/doi.org\/10.1080\/00036846.2021.1904125","journal-title":"Applied Economics"},{"key":"720_CR36","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1016\/j.techfore.2020.120407","volume":"163","author":"P Garg","year":"2021","unstructured":"Garg, P., Gupta, B., Chauhan, A. K., Sivarajah, U., Gupta, S., & Modgil, S. (2021). Measuring the perceived benefits of implementing blockchain technology in the banking sector. Technological Forecasting and Social Change, 163, 1\u201318. https:\/\/doi.org\/10.1016\/j.techfore.2020.120407","journal-title":"Technological Forecasting and Social Change"},{"key":"720_CR37","doi-asserted-by":"publisher","first-page":"51","DOI":"10.2307\/30036519","volume":"27","author":"D Gefen","year":"2003","unstructured":"Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27, 51\u201390. https:\/\/doi.org\/10.2307\/30036519","journal-title":"MIS Quarterly"},{"key":"720_CR38","unstructured":"Gensler, C. G. (2024). Statement on the approval of spot bitcoin exchange-traded products. https:\/\/www.sec.gov\/news\/statement\/gensler-statement-spot-bitcoin -011023. ([Accessed 23-01-2024])"},{"key":"720_CR39","doi-asserted-by":"publisher","unstructured":"Gramlich, V., Guggenberger, T., Principato, M., Schellinger, B., & Urbach, N. (2023). A multivocal literature review of decentralized finance: Current knowledge and future research avenues. Electronic Markets, 33, 11. https:\/\/doi.org\/10.1007\/s12525-023-00637-4","DOI":"10.1007\/s12525-023-00637-4"},{"key":"720_CR40","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1186\/s40854-016-0034-9","volume":"2","author":"Y Guo","year":"2016","unstructured":"Guo, Y., & Liang, C. (2016). Blockchain application and outlook in the banking industry. Financial Innovation, 2, 1\u201312. https:\/\/doi.org\/10.1186\/s40854-016-0034-9","journal-title":"Financial Innovation"},{"key":"720_CR41","doi-asserted-by":"publisher","DOI":"10.1007\/978-3-030-80519-7","volume-title":"A primer on partial least squares structural equation modeling (PLS-SEM)","author":"J Hair Jr","year":"2021","unstructured":"Hair, J., Jr., Hair, J. F., Jr., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2021). A primer on partial least squares structural equation modeling (PLS-SEM). Thousand Oaks: Sage publications."},{"key":"720_CR42","doi-asserted-by":"publisher","first-page":"197","DOI":"10.1016\/j.chb.2017.11.010","volume":"80","author":"JM Hansen","year":"2018","unstructured":"Hansen, J. M., Saridakis, G., & Benson, V. (2018). Risk, trust, and the interaction of perceived ease of use and behavioral control in predicting consumers\u2019 use of social media for transactions. Computers in Human Behavior, 80, 197\u2013206. https:\/\/doi.org\/10.1016\/j.chb.2017.11.010","journal-title":"Computers in Human Behavior"},{"key":"720_CR43","doi-asserted-by":"publisher","first-page":"50","DOI":"10.1016\/j.elerap.2018.03.005","volume":"29","author":"F Hawlitschek","year":"2018","unstructured":"Hawlitschek, F., Notheisen, B., & Teubner, T. (2018). The limits of trust-free systems: A literature review on blockchain technology and trust in the sharing economy. Electronic Commerce Research and Applications, 29, 50\u201363. https:\/\/doi.org\/10.1016\/j.elerap.2018.03.005","journal-title":"Electronic Commerce Research and Applications"},{"key":"720_CR44","doi-asserted-by":"crossref","unstructured":"Henry, C.S., Huynh, K., & Nicholls, G. (2018). Bitcoin awareness and usage in Canada: An update (Tech. Rep.). Bank of Canada.","DOI":"10.69554\/FWBF9681"},{"key":"720_CR45","doi-asserted-by":"publisher","first-page":"3925","DOI":"10.1093\/rfs\/hhz131","volume":"33","author":"ST Howell","year":"2020","unstructured":"Howell, S. T., Niessner, M., & Yermack, D. (2020). Initial coin offerings: Financing growth with cryptocurrency token sales. The Review of Financial Studies, 33, 3925\u20133974. https:\/\/doi.org\/10.1093\/rfs\/hhz131","journal-title":"The Review of Financial Studies"},{"key":"720_CR46","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1016\/j.intfin.2022.101715","volume":"83","author":"A Jalan","year":"2023","unstructured":"Jalan, A., Matkovskyy, R., Urquhart, A., & Yarovaya, L. (2023). The role of interpersonal trust in cryptocurrency adoption. Journal of International Financial Markets, Institutions and Money, 83, 1\u201319. https:\/\/doi.org\/10.1016\/j.intfin.2022.101715","journal-title":"Journal of International Financial Markets, Institutions and Money"},{"key":"720_CR47","doi-asserted-by":"publisher","first-page":"814087","DOI":"10.3389\/fpsyg.2021.814087","volume":"12","author":"P Jariyapan","year":"2022","unstructured":"Jariyapan, P., Mattayaphutron, S., Gillani, S. N., & Shafique, O. (2022). Factors influencing the behavioural intention to use cryptocurrency in emerging economies during the COVID-19 pandemic: Based on technology acceptance model 3, perceived risk, and financial literacy. Frontiers in Psychology, 12, 814087. https:\/\/doi.org\/10.3389\/fpsyg.2021.814087","journal-title":"Frontiers in Psychology"},{"key":"720_CR48","doi-asserted-by":"crossref","unstructured":"Jockisch, M. (2010). Das Technologieakzeptanzmodell. In: Das ist gar kein modell! (pp. 233\u2013254). Gabler.","DOI":"10.1007\/978-3-8349-8484-5_11"},{"key":"720_CR49","doi-asserted-by":"publisher","unstructured":"Katona, T. (2021). Decentralized finance: The possibilities of a blockchain money lego system. Financial and Economic Review, 20, 74\u2013102. https:\/\/doi.org\/10.33893\/FER.20.1.74102","DOI":"10.33893\/FER.20.1.74102"},{"key":"720_CR50","doi-asserted-by":"publisher","unstructured":"Korpela, K., Hallikas, J., & Dahlberg, T. (2017). Digital supply chain transformation toward blockchain integration. HICSS 2017 research papers (pp. 4182\u20134191). https:\/\/doi.org\/10.24251\/HICSS.2017.506","DOI":"10.24251\/HICSS.2017.506"},{"key":"720_CR51","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1016\/j.jbankfin.2023.106940","volume":"154","author":"J Kreppmeier","year":"2023","unstructured":"Kreppmeier, J., Laschinger, R., Steininger, B. I., & Dorfleitner, G. (2023). Real estate security token offerings and the secondary market: Driven by crypto hype or fundamentals? Journal of Banking & Finance, 154, 1\u201315. https:\/\/doi.org\/10.1016\/j.jbankfin.2023.106940","journal-title":"Journal of Banking & Finance"},{"key":"720_CR52","doi-asserted-by":"publisher","unstructured":"Kuen, L., Westmattelmann, D., Bruckes, M., & Schewe, G. (2023). Who earns trust in online environments? A meta-analysis of trust in technology and trust in provider for technology acceptance. Electronic Markets, 33, 61. https:\/\/doi.org\/10.1007\/s12525-023-00672-1","DOI":"10.1007\/s12525-023-00672-1"},{"issue":"3","key":"720_CR53","doi-asserted-by":"publisher","first-page":"376","DOI":"10.1080\/13563467.2020.1766432","volume":"26","author":"P Langley","year":"2021","unstructured":"Langley, P., & Leyshon, A. (2021). The platform political economy of fintech: Reintermediation, consolidation and capitalisation. New Political Economy, 26(3), 376\u2013388. https:\/\/doi.org\/10.1080\/13563467.2020.1766432","journal-title":"New Political Economy"},{"key":"720_CR54","doi-asserted-by":"publisher","first-page":"773","DOI":"10.1016\/j.bushor.2019.08.003","volume":"62","author":"JY Lee","year":"2019","unstructured":"Lee, J. Y. (2019). A decentralized token economy: How blockchain and cryptocurrency can revolutionize business. Business Horizons, 62, 773\u2013784. https:\/\/doi.org\/10.1016\/j.bushor.2019.08.003","journal-title":"Business Horizons"},{"key":"720_CR55","doi-asserted-by":"publisher","first-page":"130","DOI":"10.1016\/j.elerap.2008.11.006","volume":"8","author":"M-C Lee","year":"2009","unstructured":"Lee, M.-C. (2009). Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8, 130\u2013141. https:\/\/doi.org\/10.1016\/j.elerap.2008.11.006","journal-title":"Electronic Commerce Research and Applications"},{"key":"720_CR56","doi-asserted-by":"publisher","first-page":"75","DOI":"10.1080\/10864415.2001.11044227","volume":"6","author":"MKO Lee","year":"2001","unstructured":"Lee, M. K. O., & Turban, E. (2001). A trust model for consumer internet shopping. International Journal of Electronic Commerce, 6, 75\u201391. https:\/\/doi.org\/10.1080\/10864415.2001.11044227","journal-title":"International Journal of Electronic Commerce"},{"key":"720_CR57","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1016\/j.socec.2020.101573","volume":"87","author":"R Litterscheidt","year":"2020","unstructured":"Litterscheidt, R., & Streich, D. J. (2020). 8). Financial education and digital asset management: What\u2019s in the black box? Journal of Behavioral and Experimental Economics, 87, 1\u201312. https:\/\/doi.org\/10.1016\/j.socec.2020.101573","journal-title":"Journal of Behavioral and Experimental Economics"},{"key":"720_CR58","unstructured":"Lockl, J., & Stoetzer, J.-C. (2021). Trust-free banking missed the point - The effect of distrust in banks on the adoption of decentralized finance. ECIS 2021 research papers (pp. 1\u201316)."},{"key":"720_CR59","doi-asserted-by":"publisher","first-page":"222","DOI":"10.1016\/j.dss.2010.02.008","volume":"49","author":"X Luo","year":"2010","unstructured":"Luo, X., Li, H., Zhang, J., & Shim, J. (2010). Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies: An empirical study of mobile banking services. Decision Support Systems, 49, 222\u2013234. https:\/\/doi.org\/10.1016\/j.dss.2010.02.008","journal-title":"Decision Support Systems"},{"key":"720_CR60","doi-asserted-by":"publisher","unstructured":"Maia, G., & ao Vieira dos Santos, J. (2021). Mica and defi (\u2018proposal for a regulation on market in crypto-assets\u2019 and \u2019decentralised finance\u2019). SSRN Electronic Journal, 1\u201321,. https:\/\/doi.org\/10.2139\/ssrn.3875355","DOI":"10.2139\/ssrn.3875355"},{"key":"720_CR61","doi-asserted-by":"publisher","first-page":"709","DOI":"10.2307\/258792","volume":"20","author":"RC Mayer","year":"1995","unstructured":"Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An integrative model of organizational trust. The Academy of Management Review, 20, 709\u2013734. https:\/\/doi.org\/10.2307\/258792","journal-title":"The Academy of Management Review"},{"key":"720_CR62","doi-asserted-by":"publisher","first-page":"227","DOI":"10.1287\/isre.13.3.334.81","volume":"13","author":"DH McKnight","year":"2002","unstructured":"McKnight, D. H., Choudhury, V., & Kacmar, C. (2002). Developing and validating trust measures for e-commerce: An integrative typology. Information Systems Research, 13, 227\u2013359. https:\/\/doi.org\/10.1287\/isre.13.3.334.81","journal-title":"Information Systems Research"},{"key":"720_CR63","doi-asserted-by":"publisher","first-page":"195","DOI":"10.1007\/s10257-019-00415-w","volume":"17","author":"JC Mendoza-Tello","year":"2019","unstructured":"Mendoza-Tello, J. C., Mora, H., Pujol-L\u00f3pez, F. A., & Lytras, M. D. (2019). Disruptive innovation of cryptocurrencies in consumer acceptance and trust. Information Systems and e-Business Management, 17, 195\u2013222. https:\/\/doi.org\/10.1007\/s10257-019-00415-w","journal-title":"Information Systems and e-Business Management"},{"key":"720_CR64","doi-asserted-by":"publisher","first-page":"54","DOI":"10.1016\/j.jmoneco.2022.02.001","volume":"127","author":"MF Minesso","year":"2022","unstructured":"Minesso, M. F., Mehl, A., & Stracca, L. (2022). Central bank digital currency in an open economy. Journal of Monetary Economics, 127, 54\u201368. https:\/\/doi.org\/10.1016\/j.jmoneco.2022.02.001","journal-title":"Journal of Monetary Economics"},{"key":"720_CR65","doi-asserted-by":"publisher","unstructured":"Mishra, R., Singh, R. K., Kumar, S., Mangla, S. K., & Kumar, V. (2023). Critical success factors of blockchain technology adoption for sustainable and resilient operations in the banking industry during an uncertain business environment. Electronic Commerce Research, 1\u201335,. https:\/\/doi.org\/10.1007\/s10660-023-09707-3","DOI":"10.1007\/s10660-023-09707-3"},{"key":"720_CR66","doi-asserted-by":"crossref","unstructured":"M\u00fcller, C. (2018). Der Weltmarktf\u00fchrer-Index f\u00fcr die DACH-Region. In: J.-P. B\u00fcchler (Ed.), (pp. 223\u2013229). Springer Fachmedien Wiesbaden.","DOI":"10.1007\/978-3-658-17829-1_13"},{"key":"720_CR67","unstructured":"M\u00fcller-B\u00f6ling, D., & M\u00fcller, M. (1986). Akzeptanzfaktoren der B\u00fcrokommunikation. R. Oldenbourg."},{"key":"720_CR68","doi-asserted-by":"publisher","first-page":"180","DOI":"10.1504\/IJSS.2018.091840","volume":"12","author":"AM Mutahar","year":"2018","unstructured":"Mutahar, A. M., Daud, N. M., Ramayah, T., Isaac, O., & Aldholay, A. H. (2018). The effect of awareness and perceived risk on the technology acceptance model (TAM): Mobile banking in Yemen. International Journal of Services and Standards, 12, 180\u2013204. https:\/\/doi.org\/10.1504\/IJSS.2018.091840","journal-title":"International Journal of Services and Standards"},{"key":"720_CR69","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1155\/2022\/9642998","volume":"2022","author":"KS Namahoot","year":"2022","unstructured":"Namahoot, K. S., & Rattanawiboonsom, V. (2022). Integration of tam model of consumers\u2019 intention to adopt cryptocurrency platform in Thailand: The mediating role of attitude and perceived risk. Human Behavior and Emerging Technologies, 2022, 1\u201312. https:\/\/doi.org\/10.1155\/2022\/9642998","journal-title":"Human Behavior and Emerging Technologies"},{"key":"720_CR70","doi-asserted-by":"publisher","first-page":"115","DOI":"10.2307\/25148720","volume":"30","author":"PA Pavlou","year":"2006","unstructured":"Pavlou, P. A., & Fygenson, M. (2006). Understanding and predicting electronic commerce adoption: An extension of the theory of planned behavior. MIS Quarterly, 30, 115\u2013143. https:\/\/doi.org\/10.2307\/25148720","journal-title":"MIS Quarterly"},{"key":"720_CR71","doi-asserted-by":"publisher","first-page":"269","DOI":"10.1016\/j.ijresmar.2023.03.001","volume":"40","author":"R Peres","year":"2023","unstructured":"Peres, R., Schreier, M., Schweidel, D., & Sorescu, A. (2023). On ChatGPT and beyond: How generative artificial intelligence may affect research, teaching, and practice. International Journal of Research in Marketing, 40, 269\u2013275. https:\/\/doi.org\/10.1016\/j.ijresmar.2023.03.001","journal-title":"International Journal of Research in Marketing"},{"key":"720_CR72","doi-asserted-by":"publisher","first-page":"184","DOI":"10.2307\/3150856","volume":"13","author":"JP Peter","year":"1976","unstructured":"Peter, J. P., & Ryan, M. J. (1976). An investigation of perceived risk at the brand level. Journal of Marketing Research, 13, 184\u2013188. https:\/\/doi.org\/10.2307\/3150856","journal-title":"Journal of Marketing Research"},{"key":"720_CR73","doi-asserted-by":"publisher","first-page":"1309","DOI":"10.1007\/s12144-023-04307-8","volume":"43","author":"A Pilatin","year":"2023","unstructured":"Pilatin, A., & Dilek, \u00d6nder. (2023). Investor intention, investor behavior and crypto assets in the framework of decomposed theory of planned behavior. Current Psychology, 43, 1309\u20131324. https:\/\/doi.org\/10.1007\/s12144-023-04307-8","journal-title":"Current Psychology"},{"key":"720_CR74","doi-asserted-by":"publisher","first-page":"121740","DOI":"10.1016\/j.techfore.2022.121740","volume":"181","author":"J Pi\u00f1eiro-Chousa","year":"2022","unstructured":"Pi\u00f1eiro-Chousa, J., \u00c1ngeles L\u00f3pez-Cabarcos, M., Sevic, A., & Gonz\u00e1lez-L\u00f3pez, I. (2022). A preliminary assessment of the performance of DeFi cryptocurrencies in relation to other financial assets, volatility, and user-generated content. Technological Forecasting and Social Change, 181, 121740. https:\/\/doi.org\/10.1016\/j.techfore.2022.121740","journal-title":"Technological Forecasting and Social Change"},{"key":"720_CR75","doi-asserted-by":"publisher","first-page":"89","DOI":"10.1016\/j.procs.2017.11.013","volume":"121","author":"W Presthus","year":"2017","unstructured":"Presthus, W., & O\u2019Malley, N. O. (2017). Motivations and barriers for end-user adoption of bitcoin as digital currency. Procedia Computer Science, 121, 89\u201397. https:\/\/doi.org\/10.1016\/j.procs.2017.11.013","journal-title":"Procedia Computer Science"},{"key":"720_CR76","unstructured":"Pytel, N., Zei\u00df, C., Winkelmann, A. (2023). Enabling UTXO-based backwards and forwards traceabilty. ECIS 2023 research papers (Vol. 319, pp. 1\u201315). https:\/\/aisel.aisnet.org\/ecis2023_rp\/319"},{"key":"720_CR77","doi-asserted-by":"publisher","first-page":"1196","DOI":"10.1109\/TEM.2019.2948861","volume":"67","author":"M Rehman","year":"2020","unstructured":"Rehman, M., Salah, K., Damiani, E., & Svetinovic, D. (2020). Trust in blockchain cryptocurrency ecosystem. IEEE Transactions on Engineering Management, 67, 1196\u20131212. https:\/\/doi.org\/10.1109\/TEM.2019.2948861","journal-title":"IEEE Transactions on Engineering Management"},{"issue":"2","key":"720_CR78","doi-asserted-by":"publisher","first-page":"240","DOI":"10.1016\/j.bir.2021.04.005","volume":"22","author":"L Reiter-Gavish","year":"2022","unstructured":"Reiter-Gavish, L., Qadan, M., & Yagil, J. (2022). Investors\u2019 personal characteristics and trading decisions under distressed market conditions. Borsa Istanbul Review, 22(2), 240\u2013247. https:\/\/doi.org\/10.1016\/j.bir.2021.04.005","journal-title":"Borsa Istanbul Review"},{"key":"720_CR79","doi-asserted-by":"publisher","first-page":"239","DOI":"10.1016\/j.ijinfomgt.2011.11.007","volume":"32","author":"M Riffai","year":"2012","unstructured":"Riffai, M., Grant, K., & Edgar, D. (2012). Big tam in Oman: Exploring the promise of on-line banking, its adoption by customers and the challenges of banking in Oman. International Journal of Information Management, 32, 239\u2013250. https:\/\/doi.org\/10.1016\/j.ijinfomgt.2011.11.007","journal-title":"International Journal of Information Management"},{"key":"720_CR80","unstructured":"Rogers, E.M., & Shoemaker, F. F. (1971). Communication of innovations: A crosscultural approach. Free Press."},{"key":"720_CR81","doi-asserted-by":"publisher","DOI":"10.3389\/fpsyg.2022.903473","volume":"13","author":"N Sagheer","year":"2022","unstructured":"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. Frontiers in Psychology, 13, 903473. https:\/\/doi.org\/10.3389\/fpsyg.2022.903473","journal-title":"Frontiers in Psychology"},{"key":"720_CR82","doi-asserted-by":"publisher","first-page":"324","DOI":"10.1108\/02652329910305689","volume":"17","author":"M Sathye","year":"1999","unstructured":"Sathye, M. (1999). Adoption of internet banking by Australian consumers: An empirical investigation. International Journal of Bank Marketing, 17, 324\u2013334. https:\/\/doi.org\/10.1108\/02652329910305689","journal-title":"International Journal of Bank Marketing"},{"key":"720_CR83","doi-asserted-by":"publisher","unstructured":"Sch\u00e4r, F. (2021). Decentralized finance: On blockchain-and smart contract-based financial markets. Federal Reserve Bank of St. Louis Review, 103, 153\u2013174. https:\/\/doi.org\/10.20955\/r.103.153-74","DOI":"10.20955\/r.103.153-74"},{"key":"720_CR84","doi-asserted-by":"publisher","first-page":"319","DOI":"10.1007\/s10796-023-10382-w","volume":"26","author":"J Schwiderowski","year":"2023","unstructured":"Schwiderowski, J., Pedersen, A. B., & Beck, R. (2023). Crypto tokens and token systems. Information Systems Frontiers, 26, 319\u2013332. https:\/\/doi.org\/10.1007\/s10796-023-10382-w","journal-title":"Information Systems Frontiers"},{"key":"720_CR85","doi-asserted-by":"publisher","first-page":"45","DOI":"10.1007\/s12525-023-00658-z","volume":"33","author":"J Schwiderowski","year":"2023","unstructured":"Schwiderowski, J., Pedersen, A. B., Jensen, J. K., & Beck, R. (2023). Value creation and capture in decentralized finance markets: Non-fungible tokens as a class of digital assets. Electronic Markets, 33, 45. https:\/\/doi.org\/10.1007\/s12525-023-00658-z","journal-title":"Electronic Markets"},{"key":"720_CR86","doi-asserted-by":"publisher","first-page":"40","DOI":"10.1177\/1056492617734942","volume":"27","author":"M-DL Seidel","year":"2018","unstructured":"Seidel, M.-D.L. (2018). Questioning centralized organizations in a time of distributed trust. Journal of Management Inquiry, 27, 40\u201344. https:\/\/doi.org\/10.1177\/1056492617734942","journal-title":"Journal of Management Inquiry"},{"key":"720_CR87","doi-asserted-by":"publisher","first-page":"33","DOI":"10.1016\/j.techsoc.2018.05.006","volume":"55","author":"F Shahzad","year":"2018","unstructured":"Shahzad, F., Xiu, G., Wang, J., & Shahbaz, M. (2018). An empirical investigation on the adoption of cryptocurrencies among the people of mainland China. Technology in Society, 55, 33\u201340. https:\/\/doi.org\/10.1016\/j.techsoc.2018.05.006","journal-title":"Technology in Society"},{"issue":"4","key":"720_CR88","doi-asserted-by":"publisher","first-page":"456","DOI":"10.1108\/JRF-08-2022-241","volume":"23","author":"P Singh","year":"2022","unstructured":"Singh, P. (2022). Is the financial market ready for cryptocurrency ETFs?-A critical evaluation. The Journal of Risk Finance, 23(4), 456\u2013460. https:\/\/doi.org\/10.1108\/JRF-08-2022-241","journal-title":"The Journal of Risk Finance"},{"key":"720_CR89","doi-asserted-by":"publisher","first-page":"247","DOI":"10.1111\/jofi.13192","volume":"78","author":"M Sockin","year":"2023","unstructured":"Sockin, M., & Xiong, W. (2023). Decentralization through tokenization. The Journal of Finance, 78, 247\u2013299. https:\/\/doi.org\/10.1111\/jofi.13192","journal-title":"The Journal of Finance"},{"key":"720_CR90","doi-asserted-by":"publisher","unstructured":"Sunyaev, A., Kannengie\u00dfer, N., Beck, R., Treiblmaier, H., Lacity, M., Kranz, J., ..., & Luckow, A. (2021). Token economy. Business & Information Systems Engineering, 63, 457\u2013478. https:\/\/doi.org\/10.1007\/s12599-021-00684-1","DOI":"10.1007\/s12599-021-00684-1"},{"key":"720_CR91","doi-asserted-by":"publisher","first-page":"960","DOI":"10.1016\/j.promfg.2018.03.137","volume":"22","author":"H Taherdoost","year":"2018","unstructured":"Taherdoost, H. (2018). A review of technology acceptance and adoption models and theories. Procedia Manufacturing, 22, 960\u2013967. https:\/\/doi.org\/10.1016\/j.promfg.2018.03.137","journal-title":"Procedia Manufacturing"},{"key":"720_CR92","doi-asserted-by":"publisher","first-page":"144","DOI":"10.1287\/isre.6.2.144","volume":"6","author":"S Taylor","year":"1995","unstructured":"Taylor, S., & Todd, P. A. (1995). Understanding information technology usage: A test of competing models. Information Systems Research, 6, 144\u2013176. https:\/\/doi.org\/10.1287\/isre.6.2.144","journal-title":"Information Systems Research"},{"key":"720_CR93","first-page":"269","volume":"7","author":"P Thai","year":"2017","unstructured":"Thai, P., Trang, M., & Tho, N. H. (2017). Perceived risk, investment performance and intentions in emerging stock markets. International Journal of Economics and Financial Issues, 7, 269\u2013278.","journal-title":"International Journal of Economics and Financial Issues"},{"key":"720_CR94","unstructured":"Tomitza, C., Schaschek, M., Straub, L., & Winkelmann, A. (2023). What is the minimum to trust AI?-A requirement analysis for (generative) AI-based texts. Wirtschaftsinformatik 2023 proceedings (Vol. 7). https:\/\/aisel.aisnet.org\/wi2023\/35"},{"key":"720_CR95","doi-asserted-by":"publisher","first-page":"101158","DOI":"10.1016\/j.elerap.2022.101158","volume":"53","author":"F Tronnier","year":"2022","unstructured":"Tronnier, F., Harborth, D., & Hamm, P. (2022). Investigating privacy concerns and trust in the digital euro in Germany. Electronic Commerce Research and Applications, 53, 101158. https:\/\/doi.org\/10.1016\/j.elerap.2022.101158","journal-title":"Electronic Commerce Research and Applications"},{"key":"720_CR96","doi-asserted-by":"publisher","first-page":"9931","DOI":"10.3390\/app11219931","volume":"11","author":"F Valeonti","year":"2021","unstructured":"Valeonti, F., Bikakis, A., Terras, M., Speed, C., Hudson-Smith, A., & Chalkias, K. (2021). Crypto collectibles, museum funding and OpenGLAM: Challenges, opportunities and the potential of non-fungible tokens (NFTs). Applied Sciences, 11, 9931. https:\/\/doi.org\/10.3390\/app11219931","journal-title":"Applied Sciences"},{"key":"720_CR97","doi-asserted-by":"publisher","first-page":"33","DOI":"10.1006\/obhd.2000.2896","volume":"83","author":"V Venkatesh","year":"2000","unstructured":"Venkatesh, V., Morris, M. G., & Ackerman, P. L. (2000). A longitudinal field investigation of gender differences in individual technology adoption decision-making processes. Organizational Behavior and Human Decision Processes, 83, 33\u201360. https:\/\/doi.org\/10.1006\/obhd.2000.2896","journal-title":"Organizational Behavior and Human Decision Processes"},{"key":"720_CR98","doi-asserted-by":"publisher","first-page":"425","DOI":"10.2307\/30036540","volume":"27","author":"V Venkatesh","year":"2003","unstructured":"Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27, 425\u2013478. https:\/\/doi.org\/10.2307\/30036540","journal-title":"MIS Quarterly"},{"key":"720_CR99","doi-asserted-by":"publisher","unstructured":"Venkatesh, V., Thong, J., & Xu, X. (2016). Unified theory of acceptance and use of technology: A synthesis and the road ahead. Journal of the Association for Information Systems, 17 , 328\u2013376. https:\/\/doi.org\/10.17705\/1jais.00428","DOI":"10.17705\/1jais.00428"},{"key":"720_CR100","unstructured":"Voskobojnikov, A., Abramova, S., Beznosov, K.K., B\u00f6hme, R. (2021). Non-adoption of crypto-assets: Exploring the role of trust, self-efficacy, and risk. ECIS 2021 research papers (p. 9). https:\/\/aisel.aisnet.org\/ecis2021_rp\/9\/"},{"key":"720_CR101","doi-asserted-by":"publisher","unstructured":"Voskobojnikov, A., Wiese, O., Koushki, M. M., Roth, V., & Beznosov, K. K. (2021, 5). The u in crypto stands for usable: An empirical study of user experience with mobile cryptocurrency wallets. Proceedings of the 2021 chi conference on human factors in computing systems (pp. 1\u201314). ACM. https:\/\/doi.org\/10.1145\/3411764.3445407","DOI":"10.1145\/3411764.3445407"},{"key":"720_CR102","doi-asserted-by":"publisher","unstructured":"Walton, A.J., & Johnston, K.A. (2018). Exploring perceptions of bitcoin adoption: The south African virtual community perspective. Interdisciplinary Journal of Information, Knowledge, and Management, 13, 165\u2013182. https:\/\/doi.org\/10.28945\/4080","DOI":"10.28945\/4080"},{"key":"720_CR103","doi-asserted-by":"publisher","unstructured":"Wanner, J., Herm, L.-V., Heinrich, K., & Janiesch, C. (2022). The effect of transparency and trust on intelligent system acceptance: Evidence from a userbased study. Electronic Markets, 32(4), 2079\u20132102. https:\/\/doi.org\/10.1007\/s12525-022-00593-5","DOI":"10.1007\/s12525-022-00593-5"},{"key":"720_CR104","doi-asserted-by":"publisher","first-page":"4594","DOI":"10.1287\/mnsc.2020.3633","volume":"66","author":"A Whitaker","year":"2020","unstructured":"Whitaker, A., & Kr\u00e4ussl, R. (2020). Fractional equity, blockchain, and the future of creative work. Management Science, 66, 4594\u20134611. https:\/\/doi.org\/10.1287\/mnsc.2020.3633","journal-title":"Management Science"},{"key":"720_CR105","doi-asserted-by":"publisher","first-page":"429","DOI":"10.1257\/aer.101.3.429","volume":"101","author":"LE Willis","year":"2011","unstructured":"Willis, L. E. (2011). The financial education fallacy. American Economic Review, 101, 429\u2013434. https:\/\/doi.org\/10.1257\/aer.101.3.429","journal-title":"American Economic Review"},{"key":"720_CR106","doi-asserted-by":"publisher","first-page":"784","DOI":"10.1016\/j.ijhcs.2005.03.003","volume":"62","author":"I-L Wu","year":"2005","unstructured":"Wu, I.-L., & Chen, J.-L. (2005). An extension of trust and tam model with TPB in the initial adoption of on-line tax: An empirical study. International Journal of Human-Computer Studies, 62, 784\u2013808. https:\/\/doi.org\/10.1016\/j.ijhcs.2005.03.003","journal-title":"International Journal of Human-Computer Studies"},{"key":"720_CR107","doi-asserted-by":"publisher","first-page":"187","DOI":"10.1016\/S0304-405X(00)00070-2","volume":"58","author":"J Wurgler","year":"2000","unstructured":"Wurgler, J. (2000). Financial markets and the allocation of capital. Journal of Financial Economics, 58, 187\u2013214. https:\/\/doi.org\/10.1016\/S0304-405X(00)00070-2","journal-title":"Journal of Financial Economics"},{"key":"720_CR108","doi-asserted-by":"publisher","first-page":"144","DOI":"10.1108\/02652320410521737","volume":"22","author":"U Yavas","year":"2004","unstructured":"Yavas, U., Benkenstein, M., & Stuhldreier, U. (2004). Relationships between service quality and behavioral outcomes: A study of private bank customers in Germany. International Journal of Bank Marketing, 22, 144\u2013157. https:\/\/doi.org\/10.1108\/02652320410521737","journal-title":"International Journal of Bank Marketing"},{"key":"720_CR109","doi-asserted-by":"publisher","unstructured":"Zei\u00df, C., Straub, L., Hahn, V., Lang, K., Schaschek, M., Tomitza, C., & Winkelmann, A. (2024). Designing for banking resilience: A DeFi e-learning solution. In M. Mandviwalla, M. Sllner, & T. Tuunanen (Eds.), Design science research for a resilient future (Vol. 14621, p. 325-338). Springer, Cham. https:\/\/doi.org\/10.1007\/978-3-031-61175-922","DOI":"10.1007\/978-3-031-61175-922"},{"key":"720_CR110","unstructured":"Zeiss, C., Straub, L., Schaschek, M., & Winkelmann, A. (2024). The obscure world of digital assets - Design principles for user-centered platforms. ECIS 2024 proceedings (Vol. 4, pp. 1\u201316). https:\/\/aisel.aisnet.org\/ecis2024\/track16_fintech\/track16_fintech\/4"},{"key":"720_CR111","doi-asserted-by":"publisher","first-page":"172","DOI":"10.1093\/jfr\/fjaa010","volume":"6","author":"DA Zetzsche","year":"2020","unstructured":"Zetzsche, D. A., Arner, D. W., & Buckley, R. P. (2020). Decentralized finance. Journal of Financial. Regulation, 6, 172\u2013203. https:\/\/doi.org\/10.1093\/jfr\/fjaa010","journal-title":"Regulation"},{"issue":"2","key":"720_CR112","doi-asserted-by":"publisher","first-page":"197","DOI":"10.1086\/651257","volume":"37","author":"X Zhao","year":"2010","unstructured":"Zhao, X., Lynch, J. G., Jr., & Chen, Q. (2010). Reconsidering Baron and Kenny: Myths and truths about mediation analysis. Journal of consumer research, 37(2), 197\u2013206. https:\/\/doi.org\/10.1086\/651257","journal-title":"Journal of consumer research"}],"container-title":["Electronic Markets"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s12525-024-00720-4.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/article\/10.1007\/s12525-024-00720-4\/fulltext.html","content-type":"text\/html","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s12525-024-00720-4.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2024,12,26]],"date-time":"2024-12-26T08:27:33Z","timestamp":1735201653000},"score":1,"resource":{"primary":{"URL":"https:\/\/link.springer.com\/10.1007\/s12525-024-00720-4"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2024,7,18]]},"references-count":112,"journal-issue":{"issue":"1","published-print":{"date-parts":[[2024,12]]}},"alternative-id":["720"],"URL":"https:\/\/doi.org\/10.1007\/s12525-024-00720-4","relation":{},"ISSN":["1019-6781","1422-8890"],"issn-type":[{"value":"1019-6781","type":"print"},{"value":"1422-8890","type":"electronic"}],"subject":[],"published":{"date-parts":[[2024,7,18]]},"assertion":[{"value":"19 February 2024","order":1,"name":"received","label":"Received","group":{"name":"ArticleHistory","label":"Article History"}},{"value":"17 June 2024","order":2,"name":"accepted","label":"Accepted","group":{"name":"ArticleHistory","label":"Article History"}},{"value":"18 July 2024","order":3,"name":"first_online","label":"First Online","group":{"name":"ArticleHistory","label":"Article History"}}],"article-number":"37"}}