{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,8,19]],"date-time":"2026-08-19T20:12:11Z","timestamp":1787170331075,"version":"build-2736575974"},"reference-count":105,"publisher":"MDPI AG","issue":"3","license":[{"start":{"date-parts":[[2023,9,11]],"date-time":"2023-09-11T00:00:00Z","timestamp":1694390400000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0\/"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["JTAER"],"abstract":"<jats:p>The study aims to investigate how an individual\u2019s technology awareness, subjective financial literacy and personal innovativeness characteristics impact the intention to use blockchain-based digital currencies such as cryptocurrency. The UTAUT 2 (Unified Theory of Acceptance and Use of Technology 2) model is extended with crucial constructs to develop the conceptual model. A total of 312 responses are analysed using Covariance-Based Structural Equation Modelling (CB-SEM). The moderation effects are assessed using multi-group analysis. The findings show a significant moderating effect of technology awareness and subjective financial literacy on the relationship between performance expectancy (PE) and behavioural intention to use cryptocurrency (BI). It further identified that performance expectancy (PE) mediates personal innovativeness (PI) and usage intentions (BI). The study adds to the growing literature of digital currency adoption by focusing on individual innovativeness, technology awareness and financial literacy. It also proposes a research model that can be generalised for new-age consumer-based financial technology adoption.<\/jats:p>","DOI":"10.3390\/jtaer18030080","type":"journal-article","created":{"date-parts":[[2023,9,11]],"date-time":"2023-09-11T10:42:49Z","timestamp":1694428969000},"page":"1580-1600","update-policy":"https:\/\/doi.org\/10.3390\/mdpi_crossmark_policy","source":"Crossref","is-referenced-by-count":69,"title":["An Empirical Study of User Adoption of Cryptocurrency Using Blockchain Technology: Analysing Role of Success Factors like Technology Awareness and Financial Literacy"],"prefix":"10.3390","volume":"18","author":[{"ORCID":"https:\/\/orcid.org\/0009-0008-4298-9116","authenticated-orcid":false,"given":"Vandana","family":"Kumari","sequence":"first","affiliation":[{"name":"Area of Information Systems and Business Analytics, Indian Institute of Management, Ranchi 834008, Jharkhand, India"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Pradip Kumar","family":"Bala","sequence":"additional","affiliation":[{"name":"Area of Information Systems and Business Analytics, Indian Institute of Management, Ranchi 834008, Jharkhand, India"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Shibashish","family":"Chakraborty","sequence":"additional","affiliation":[{"name":"Area of Marketing, Indian Institute of Management, Ranchi 834008, Jharkhand, India"}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"1968","published-online":{"date-parts":[[2023,9,11]]},"reference":[{"key":"ref_1","doi-asserted-by":"crossref","first-page":"183","DOI":"10.1007\/s12599-017-0467-3","article-title":"Blockchain","volume":"59","author":"Nofer","year":"2017","journal-title":"Bus. 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