|To, Kai Man Clarence
|Tango with central bank digital currency : a study of customers’ adoption of central bank digital currency
|Jiang, Lilian (AF)
|Banks and banking, Central
Electronic funds transfers
Digital currency -- China -- Hong Kong
Hong Kong Polytechnic University -- Dissertations
|Faculty of Business
|130 pages : color illustrations
|For the last two years, Central Bank Digital Currency (CBDC) was in the spotlight, from concept discussion to feasibility implementation in many different countries. This research paper consists of two parts. The first part is a conventional study covering empirical research from various factors that correlate to customers’ intention to adopt central bank digital currency. The analytic results have quantified a positive correlation between customer expectancy, external condition, performance expectancy, external conditions, and perceived risk for intention to use. The second part is taking an alternate approach presenting a problem statement on how CBDC can be deployed in HK on offering e-HKD with business use cases like application on foreign exchange for cross-border, consideration of interest rate, mitigation on customers’ risk alert, and extend use in green charity. Furthermore, through a series of interviews, I present views by financial institutions on risk perspective, and discuss both the business and technical challenges in offering CBDC. Last but not least, the support from local government and regulatory bodies.
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