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Whether to share personal financial information through blockchain? – an intermediary perspective.

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Title: Whether to share personal financial information through blockchain? – an intermediary perspective.
Authors: Niu, Xingyao, Chen, Zhe, Liu, Hongming, Xie, Wenbin
Source: Behaviour & Information Technology. May2025, Vol. 44 Issue 8, p1612-1631. 20p.
Subjects: Data security, Digital technology, Self-efficacy, Cronbach's alpha, T-test (Statistics), Research funding, Privacy, Interviewing, Structural equation modeling, Uncertainty, Blockchains, Electronic data interchange, Surveys, Experimental design, Trust, Financial management, Research methodology, Factor analysis, Case studies, Sentiment analysis, Medical ethics, Access to information, Reliability (Personality trait)
Abstract: Information sharing is of great importance in the financial market. Most current electronic transaction systems do not encourage investors to freely share information such as risk assessment records. Blockchain, a decentralised technology with high security features, is expected to improve the current systems. However, little is known about whether blockchain-based electronic transaction systems contribute to investors' willingness to share personal financial information. This study adopts a vignette-based experiment to enrich previous studies by explaining the relationship between blockchain and investors' behaviour. This study introduced investor empowerment, trust belief, risk belief, and perceived uncertainty as mediating variables and considered how these mediating variables interact with each other. Independent sample t-test and structural equation modelling were used to examine the causal relationship between independent and dependent variables, and the role of mediating effect. For text analysis of interview dialogues, keyword extraction and sentiment analysis were used to understand the participants' focus and sentiment attitude toward electronic transaction systems based on blockchain and non-blockchain. The results show that blockchain can build trust, reduce risk belief and perceived uncertainty by empowering investors, thus increasing investors' information sharing intention and investment intention. Furthermore, investors have significantly more positive emotional attitudes toward blockchain-based systems. [ABSTRACT FROM AUTHOR]
Copyright of Behaviour & Information Technology is the property of Taylor & Francis Ltd and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)
Database: Psychology and Behavioral Sciences Collection
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  Data: Whether to share personal financial information through blockchain? – an intermediary perspective.
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  Data: <searchLink fieldCode="AR" term="%22Niu%2C+Xingyao%22">Niu, Xingyao</searchLink><br /><searchLink fieldCode="AR" term="%22Chen%2C+Zhe%22">Chen, Zhe</searchLink><br /><searchLink fieldCode="AR" term="%22Liu%2C+Hongming%22">Liu, Hongming</searchLink><br /><searchLink fieldCode="AR" term="%22Xie%2C+Wenbin%22">Xie, Wenbin</searchLink>
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  Data: <searchLink fieldCode="JN" term="%22Behaviour+%26+Information+Technology%22">Behaviour & Information Technology</searchLink>. May2025, Vol. 44 Issue 8, p1612-1631. 20p.
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  Label: Abstract
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  Data: Information sharing is of great importance in the financial market. Most current electronic transaction systems do not encourage investors to freely share information such as risk assessment records. Blockchain, a decentralised technology with high security features, is expected to improve the current systems. However, little is known about whether blockchain-based electronic transaction systems contribute to investors' willingness to share personal financial information. This study adopts a vignette-based experiment to enrich previous studies by explaining the relationship between blockchain and investors' behaviour. This study introduced investor empowerment, trust belief, risk belief, and perceived uncertainty as mediating variables and considered how these mediating variables interact with each other. Independent sample t-test and structural equation modelling were used to examine the causal relationship between independent and dependent variables, and the role of mediating effect. For text analysis of interview dialogues, keyword extraction and sentiment analysis were used to understand the participants' focus and sentiment attitude toward electronic transaction systems based on blockchain and non-blockchain. The results show that blockchain can build trust, reduce risk belief and perceived uncertainty by empowering investors, thus increasing investors' information sharing intention and investment intention. Furthermore, investors have significantly more positive emotional attitudes toward blockchain-based systems. [ABSTRACT FROM AUTHOR]
– Name: AbstractSuppliedCopyright
  Label:
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  Data: <i>Copyright of Behaviour & Information Technology is the property of Taylor & Francis Ltd and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract.</i> (Copyright applies to all Abstracts.)
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RecordInfo BibRecord:
  BibEntity:
    Identifiers:
      – Type: doi
        Value: 10.1080/0144929X.2024.2365330
    Languages:
      – Code: eng
        Text: English
    PhysicalDescription:
      Pagination:
        PageCount: 20
        StartPage: 1612
    Subjects:
      – SubjectFull: Data security
        Type: general
      – SubjectFull: Digital technology
        Type: general
      – SubjectFull: Self-efficacy
        Type: general
      – SubjectFull: Cronbach's alpha
        Type: general
      – SubjectFull: T-test (Statistics)
        Type: general
      – SubjectFull: Research funding
        Type: general
      – SubjectFull: Privacy
        Type: general
      – SubjectFull: Interviewing
        Type: general
      – SubjectFull: Structural equation modeling
        Type: general
      – SubjectFull: Uncertainty
        Type: general
      – SubjectFull: Blockchains
        Type: general
      – SubjectFull: Electronic data interchange
        Type: general
      – SubjectFull: Surveys
        Type: general
      – SubjectFull: Experimental design
        Type: general
      – SubjectFull: Trust
        Type: general
      – SubjectFull: Financial management
        Type: general
      – SubjectFull: Research methodology
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      – SubjectFull: Factor analysis
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      – SubjectFull: Case studies
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      – SubjectFull: Sentiment analysis
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      – SubjectFull: Medical ethics
        Type: general
      – SubjectFull: Access to information
        Type: general
      – SubjectFull: Reliability (Personality trait)
        Type: general
    Titles:
      – TitleFull: Whether to share personal financial information through blockchain? – an intermediary perspective.
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            NameFull: Chen, Zhe
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            – D: 15
              M: 05
              Text: May2025
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              Y: 2025
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              Value: 44
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