Digital currency usage intention among existing fintech users: testing the modified UTAUT using hybrid SEM-ANN approach

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Observational analysis reveals digital currency usage intentions among fintech users, suggesting valuable insights for developers.

Digital currency usage intentions among fintech users correlate with perceived trust and performance expectancy.
The study shows that 72% of users expressed a positive intention to use digital currencies based on their experiences.
Analysis using a hybrid SEM-ANN approach allows for a nuanced understanding of user behavior and motivations.
Understanding these intentions may enable better design for digital currency platforms to meet user needs.

Shroff et al. (2026) studied this question.

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