Exploring Perceptions of Benefits and Challenges Associated with Cryptocurrencies: A Demographic Analysis among University Students in Poland

Authors

DOI:

https://doi.org/10.34190/eckm.25.1.2407

Keywords:

Cryptocurrencies Perception, Students Opinion, Gender Differences, Field of Study-Related Differences, Prior Experience

Abstract

This study investigates the differences in perceptions of benefits and challenges associated with cryptocurrencies among diverse demographic cohorts. We focus on gender, field of study, and prior experience as key demographic factors influencing perceptions. Data were collected from 679 university students in Poland using a survey questionnaire. The findings reveal disparities in perceptions based on gender, with males perceiving more benefits and females encountering more challenges. Additionally, regardless of academic background, students tend to perceive the benefits and challenges similarly. Moreover, prior experience with cryptocurrencies significantly influences perceptions, with experienced students perceiving more benefits and fewer challenges compared to their inexperienced counterparts. Our study contributes to the literature by highlighting the importance of considering personal characteristics in understanding perceptions of cryptocurrencies and provides insights for policymakers, regulators, and industry stakeholders to develop targeted strategies for addressing concerns, enhancing adoption, and mitigating risks associated with cryptocurrencies.

Author Biographies

Monika Eisenbardt, University of Economics in Katowice

Monika Eisenbardt, Ph.D., is an Assistant Professor of Business Informatics at the University of Economics in Katowice, Poland. She specializes in IT and knowledge-related issues, with a particular focus on consumer knowledge and its impact on businesses. Currently, she is participating in an international project on the utilization of AI in academic education. She serves as the Managing Editor for the "Journal of Economics and Management" /Scopus indexed/. Regarding her teaching experience, she teaches IT-related classes such as Databases, BI, and Data visualization.

Tomasz Eisenbardt, University of Warsaw, Warsaw, Poland

Tomasz Eisenbardt is an Assistant Professor at the University of Warsaw, Poland. He has published several dozen scientific papers and educational works. His research interests include computer science and economic informatics, with a particular focus on virtual learning environments (VLE) and e-learning, data processing, analysis and design of IT systems, and emerging trends in IT, economics, and management.

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Published

2024-09-03