Turbulent market conditions, well-publicized advantages, and potential individual, social, and environmental risks make blockchain-based cryptocurrencies a popular focus of the public and scientific communities. This paper contributes to the literature on the future of crypto markets by analyzing a promising cryptocurrency innovation from a customer-centric point of view; it explores the factors influencing user acceptance of a hypothetical social network-backed cryptocurrency in Central Europe. The research model adapts an internationally comparative framework and extends the well-established unified theory of acceptance and use of the technology model with the concept of perceived risk and trust. We explore user attitudes with a survey on a large Hungarian sample and analyze the database with consistent partial least square structural equation modeling methodology. The results show that users would be primarily influenced by the expected usefulness of the new technology assuming it is easy to use. Furthermore, our analysis also highlights that while social influence does not seem to sway user opinions, consumers are susceptible to technological risks, and trust is an important determinant of their openness toward innovations in financial services. We contribute to the cryptocurrency literature with a future-centric technological focus and provide new evidence from an under-researched geographic region. The results also have practical implications for business decision-makers and policymakers.

中文翻译：

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用户对社交网络支持的加密货币的接受度：基于技术接受和使用统一理论（UTAUT）的分析

动荡的市场状况、广为人知的优势以及潜在的个人、社会和环境风险使得基于区块链的加密货币成为公众和科学界的热门焦点。本文从以客户为中心的角度分析了一种有前途的加密货币创新，为有关加密货币市场未来的文献做出了贡献；它探讨了影响中欧用户接受假设的社交网络支持的加密货币的因素。该研究模型采用国际比较框架，并以感知风险和信任的概念扩展了技术模型接受和使用的完善统一理论。我们通过对匈牙利大型样本的调查来探索用户态度，并使用一致的偏最小二乘结构方程建模方法分析数据库。结果表明，假设新技术易于使用，用户将主要受到新技术的预期有用性的影响。此外，我们的分析还强调，虽然社会影响力似乎不会影响用户意见，但消费者容易受到技术风险的影响，而信任是他们对金融服务创新持开放态度的重要决定因素。我们以未来为中心的技术重点为加密货币文献做出贡献，并提供来自研究不足的地理区域的新证据。研究结果对于商业决策者和政策制定者也具有实际意义。