20, December 2025

Challenges in CBDC Adoption; Perception from Bank Employees in Kerala

VOLUME-11; ISSUE-12; DEC-2025

Author(s): Athira KT, Dr. M Prakash, Dr. K Senthilkumar

Authors Affiliations:

1Research Scholar, Department of Commerce, Kaamadhenu Arts and Science College, Sathyamangalam, India

2Associate Professor, Department of Commerce, Kaamadhenu Arts and Science College, Sathyamangalam, India

3 Associate Professor, Department of Commerce, Kaamadhenu Arts and Science College, Sathyamangalam, India

DOIs:10.2015/IJIRMF/202512004     |     Paper ID: IJIRMF202512004


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The study focuses on studying the possible challenges in the CBDC implementation from the point of view of bank employees in the state of Kerala. Since India has been piloting its digital rupee in the economy, its adoption seems to be slow. Thus, in such a situation, the barriers in various aspects like employee related challenges, customer related challenges and challenges in terms of non-users have been studied in this paper. Primary data have been used for the study which was collected through a structured questionnaire and the same was analysed using descriptive statistics, Mann Whitney U Test, Kruskal Wallis H Test and Dunn’s Post Hoc Test. And the results show that while CBDC adoption faces multiple operational and perceptual challenges, these are more pronounced among employees with lower technical proficiency, limited experience, or lesser exposure to digital transformation. Addressing these issues will help to promote CBDC adoption.

CBDCs, employee related challenges, customer related challenges and barriers in terms of non-users

Athira KT,  Dr. K. SenthilKumar, Dr. M Prakash,  (2025); Challenges in CBDC Adoption; Perception from Bank Employees in Kerala, International Journal for Innovative Research in Multidisciplinary Field, ISSN(O): 2455-0620, Vol-11, Issue-12, Pp. 29-35.         Available on –   https://www.ijirmf.com/

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