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Intention of Bitcoin Adoption in Indonesia: The Role of Individual Perception, Financial Literacy, and Trust

In: Economic Resilience and Sustainability—Vol. 1

Author

Listed:
  • Rahayu Marsha

    (Telkom University, School of Business and Economics)

  • Puspita Kencana Sari

    (Telkom University, School of Business and Economics)

  • Nora Amelda Rizal

    (Telkom University, School of Business and Economics)

Abstract

The adoption of Bitcoin in Indonesia remains low despite growing public interest in cryptocurrency. This study analyzes factors influencing individuals’ intentions to adopt Bitcoin, focusing on perceptions, financial literacy, and trust. Variables such as perceived usefulness, ease of use, value, financial literacy, risk, security, privacy, and trust were examined using a quantitative approach with Partial Least Squares Structural Equation Modeling (PLS-SEM). Results show that perceptions of ease of use, usefulness, value, and financial literacy positively impact adoption intention, directly and indirectly through trust. The study highlights trust as a key factor in Bitcoin adoption in Indonesia and contributes to the development of effective cryptocurrency adoption strategies.

Suggested Citation

  • Rahayu Marsha & Puspita Kencana Sari & Nora Amelda Rizal, 2025. "Intention of Bitcoin Adoption in Indonesia: The Role of Individual Perception, Financial Literacy, and Trust," Springer Proceedings in Business and Economics, in: Veland Ramadani & Abdylmenaf Bexheti & Hyrije Abazi-Alili & Christina Theodoraki & Gadaf Rexhepi & B (ed.), Economic Resilience and Sustainability—Vol. 1, chapter 0, pages 541-557, Springer.
    • Handle: RePEc:spr:prbchp:978-3-032-04218-7_32
    DOI: 10.1007/978-3-032-04218-7_32
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