This study examines consumer receptiveness to Central Bank Digital Currencies (CBDCs) through a survey in ten countries: Argentina, Australia, Brazil, China, Germany, India, Nigeria, UAE, the UK, and USA. Using the Technology Acceptance Model (TAM) framework, we investigate key factors influencing CBDC adoption: perceived ease of use, perceived usefulness, and attitudes towards CBDCs. Our logistic regression analysis identifies significant predictors: financial literacy, usage of new technology payment methods, awareness of CBDCs, utility of CBDCs, perceived duration of CBDC impact, perceived usefulness, and country currency volatility. Findings show higher adoption likelihood in volatile currency environments. Holding money in fintech alternatives, preference for physical cash, privacy concerns, income, education, and age were not consistently significant predictors. PLS-SEM analysis demonstrates that digital payment literacy and challenges with digital payments significantly influence attitudes towards CBDCs, which in turn strongly predict behavioral intention to adopt CBDCs. Policymakers and financial institutions should emphasize the long-term benefits of CBDCs, target users of advanced payment technologies, and ensure seamless integration with existing digital payment systems. Boosting financial literacy and clearly communicating the advantages of CBDCs can also enhance adoption, especially in countries with volatile currencies.
