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

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.