Toward a Conceptual Framework to Explain the Intermittent Discontinuance in Electronic Chinese Yuan (e-CNY) Usage

Jung-Chieh Lee (), Ziyang Ou () and Ziyue Luo ()
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Jung-Chieh Lee: Beijing Normal University at Zhuhai, Bay Area International Business School
Ziyang Ou: Beijing Normal University, Business School
Ziyue Luo: Beijing Normal University at Zhuhai, Bay Area International Business School

A chapter in Proceedings of the 2026 11th International Conference on Social Sciences and Economic Development (ICSSED 2026), 2026, pp 822-832 from Springer

Abstract: Abstract This paper describes the development of a conceptual framework to explain intermittent discontinuance in electronic Chinese yuan (e-CNY) usage, a postadoption behavior characterized by alternating periods of use and temporary withdrawal. Drawing on the stress–strain-outcome (SSO) framework, the model identifies four key stressors—system feature overload, absence of incentives, insufficient usage scenarios, and user inertia—that influence two forms of psychological strain: usage fatigue and neutral satisfaction. These strain variables are proposed as the primary drivers of intermittent discontinuance. As a conceptual study, the paper does not conduct empirical testing; rather, it provides a theoretically grounded foundation for future research. In the next phase, data from experienced e-CNY users will be collected to validate and refine the proposed model using quantitative analysis. This framework advances the understanding of fluctuating central bank digital currencies (CBDCs) postadoption behaviors and offers guidance for future empirical inquiry and practical improvement of e-CNY user engagement.

Keywords: Central bank digital currencies (CBDCs); electronic Chinese yuan (e-CNY); stress–strain–outcome (SSO) framework; intermittent discontinuance (search for similar items in EconPapers)
Date: 2026
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DOI: 10.2991/978-94-6239-701-9_85

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