Figure 1
A diagram illustrating the study framework for CBDC use behavior. The diagram includes several factors influencing CBDC use behavior and intention to use CBDC. Performance expectancy, effort expectancy, security, social influence, facilitating conditions, benevolence, and conformity are the factors considered. Performance expectancy directly influences CBDC use behavior through H1. Effort expectancy influences CBDC use behavior through H2 and intention to use CBDC through H7. Security influences CBDC use behavior through H7b. Social influence affects both CBDC use behavior through H4 and intention to use CBDC through H3. Facilitating conditions influence intention to use CBDC through H5. Benevolence influences intention to use CBDC through H6. Conformity influences intention to use CBDC. Intention to use CBDC influences CBDC use behavior through H8a, H8b, H8c, and H8d.Study framework