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EBS Business Student Perceptions of Central Bank Digital Currencies: Risks, Benefits, and Financial Awareness

Welcome and thank you for participating in this survey!

This survey is being conducted as part of my Bachelor’s thesis at EBS Business School for business and law. The goal of the study is to explore perceptions of students enrolled in the business studies bachelors program regarding Central Bank Digital Currencies (CBDCs), including perceived risks and benefits, and how financial awareness may influence these views.

Your participation is completely voluntary and the survey is entirely anonymous. No personal data (such as names, email addresses, or IP addresses) will be collected or stored. The data will be used exclusively for academic purposes within the scope of this thesis.

The survey takes approximately 5–7 minutes to complete.

If you have any questions about the survey or the research project, feel free to contact me at:

Marlon D'Onorio De Meo

Marlon.donoriodemeo@students.ebs.de

Thank you very much for your time and support!

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1

Are you currently enrolled in a B.Sc. in Business Studies at EBS Business School for business and law?

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2

What semester are you currently in?

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3

What is your gender?

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4

What is your current or intended major?

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5

How often do you follow financial news?

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6

How would you rate your own knowledge of the financial industry, including topics such as cryptocurrencies and the global financial system?

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7

Where did you first hear about Central Bank Digital Currencies (CBDCs)?

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8

In your opinion how should the sentence end: Financial blockchain-based instruments and assets, which may change the financial landscape, should be…

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9

Do you trust the European Central Bank to manage a digital euro responsibly?

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10

If you selected "Not really" or "Not at all" in question 8 please explain why

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11

To ensure quality of the study, please select "Disagree"

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12

Please rate each potential risk of implementing a CBDC on a scale from 1 to 5

0 = I'm unsure 1 = Not concerning at all 2 = Slightly concerning 3 = Moderately concerning 4 = Very concerning 5 = Extremely concerning
13

Please rate each potential benefit of implementing a CBDC on a scale from 1 to 5

0 = I'm unsure 1 = Not beneficial at all 2 = Slightly beneficial 3 = Moderately beneficial 4 = Very beneficial 5 = Extremely beneficial
14

Do you agree with the following statement: The benefits of a CBDC outweigh its potential risks.

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15

Who do you think will benefit the most from CBDCs?

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16

What would you do if the digital euro would be introduced tomorrow?

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17

Compared to current payment methods (cash, cards, mobile payment apps), do you believe a digital Euro would be:

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18

Looking 10 years in the future, how will society develop if the world generally adopted to CBDC’s?

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