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The objective of the research is to identify the factors that affects the adoption of digital currencies by the Generation Z and the millennials, utilizing UTAUT model. It highlights the role of performance expectancy, effort expectancy, social influence and facilitating conditions on the use of digital currency. A designed questionnaire was used to collect the primary data from Gen Z and millennials. Statistical techniques SmartPLS was used to analyse the correlation and impact of the various UTAUT constructs on the intent to use digital currency. Results highlight that performance expectancy and user influence have the significant influence on the adoption of innovative solutions. The paper also describes issues concerning the digital infrastructure and various regulations. Prospective strategies to increase the acceptability of the digital currency with the young people are advanced to articulate the perceived usefulness and to make the use of digital currencies easier.

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Examining the Factors Influencing the Intent Usage of Digital Currencies by Gen Z and Millennials: A UTAUT Model Approach

  • 会议论文

  • 发表日期：

    2026年

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  • Anupama Pandey,
  • Anubha Dwivedi,
  • Rashmy Moray,
  • Vivek Divekar,
  • Shikha Jain,
  • Sridevi Chennamsetti

摘要

The objective of the research is to identify the factors that affects the adoption of digital currencies by the Generation Z and the millennials, utilizing UTAUT model. It highlights the role of performance expectancy, effort expectancy, social influence and facilitating conditions on the use of digital currency. A designed questionnaire was used to collect the primary data from Gen Z and millennials. Statistical techniques SmartPLS was used to analyse the correlation and impact of the various UTAUT constructs on the intent to use digital currency. Results highlight that performance expectancy and user influence have the significant influence on the adoption of innovative solutions. The paper also describes issues concerning the digital infrastructure and various regulations. Prospective strategies to increase the acceptability of the digital currency with the young people are advanced to articulate the perceived usefulness and to make the use of digital currencies easier.