Survey reveals financial literacy impacts cryptocurrency attitude in faculty and students, suggesting awareness enhances acceptance.
Abstract This study aimed to analyze the role of financial literacy and awareness on cryptocurrency acceptance and attitude among students and faculty members of Eastern Visayas State University. The findings show that the faculty members and students have moderate cryptocurrency awareness, relatively high financial literacy, neutral cryptocurrency acceptance, and a negative attitude. The relationships among these constructs were analyzed using SEM in AMOS. The results show that financial literacy negatively and significantly influences cryptocurrency attitude. Additionally, financial literacy does not necessarily moderate the relationship between acceptance of and attitude towards cryptocurrency. The findings further showed that awareness positively and significantly influences attitude, and that it does not also moderate the relationship between acceptance and attitude towards cryptocurrency. Finally, it was found in this study that acceptance of cryptocurrency positively and significantly influences the attitude towards it.
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Nicart et al. (2025) studied this question.
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