We examine the optimal amount of user anonymity in a central bank digital currency (CBDC) in the context of bank lending. Anonymity, defined as the lender's inability to discern an entrepreneur's actions that enable fund diversion, influences the choice of payment instrument due to its impact on...

This study examines the antecedents of Mobile banking (M-banking) app adoption, explores post-adoption effects, and tests the moderating effect of consumer status orientation on the relationship between adoption intention and its consequences. The conceptual model hypothesized 20 relationships,...

This study explores the factors that influence Vietnamese mobile banking users’ word-of-mouth behavior and sheds light on the impact of customer satisfaction, system quality, and individual performance. The data collected from 297 customers was analyzed through Smart PLS 4.0 utilization. The...

The push for adopting digital modes of payment rests on three promises: increased efficiency of transactions, increased financial inclusion, and improvements in the financial well-being of low-income individuals. We experimentally test the extent to which these promises are fulfilled. We exploit...