Investigating individual privacy within CBDC: A privacy calculus perspective

Abdul Jabbar, Ahmed Geebren, Zahid Hussain, Samir Dani, Shajara Ul-Durar*

*Corresponding author for this work

Research output: Contribution to journalArticlepeer-review

15 Citations (Scopus)


Central Bank Digital Currencies (CBDC) are a digital innovation based upon distributed ledger and smart contract technology. In this paper we examine how potential users of CBDC technology willingly disclose their personal information. The researchers conducted an online quantitative survey which investigates the privacy perceptions of consumers. Using the privacy calculus theory lens, this study looks at the potential benefits of CBDC and how these influence user perceptions towards privacy disclosure. While this research suggests that participants in the study had negative perceptions in relation to the disclosure of personal information, many were willing to offset these concerns if there are significant benefits in the usage of CBDC. Factors such as ease of use, convenience, availability, and credibility were viewed as key benefits in this scenario. Thus, future banking strategies and marketing approaches need to consider these components to foster CBDC adoption.
Original languageEnglish
Article number101826
Number of pages12
JournalResearch in International Business and Finance
Early online date25 Nov 2022
Publication statusPublished - 1 Jan 2023


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