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Title: :  UNLEASHING THE POWER OF DIGITAL ASSETS: EXPLORING CRYPTOCURRENCY ADOPTION AMONG PROFESSIONALS
PaperId: :  26892
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 11 Issue 3 2025
DUI:    16.0415/IJARIIE-26892
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Jessica C. CaballesNorth Eastern Mindanao State University
Donald L. MontenegroNorth Eastern Mindanao State University

Abstract

Management and Commerce
Digital Assets, Cryptocurrency Adoption, Financial Literacy, Security Risks, Regulatory Clarity, Professionals, Caraga Region
The growing significance of digital currencies has spurred global interest, particularly in how cryptocurrencies are adopted in developing regions such as the Philippines. This study investigates cryptocurrency adoption among professionals in semi-urban and rural areas of the Caraga region—an underrepresented demographic in current literature, which typically emphasizes urban, student, or tech-savvy populations. Using a mixed-methods explanatory-sequential design, data were collected from 300 professionals aged 27–42, primarily full-time employees with bachelor’s degrees. Results revealed a moderate level of cryptocurrency adoption, with positive perceptions of digital assets but limited active use and investment. Demographic factors including income, education, employment status, gender, and location significantly influenced adoption, while age did not. Despite recognizing the innovation and financial potential of cryptocurrencies, low trust in platforms persisted due to security risks, market volatility, and unclear regulations. Qualitative insights identified eight adoption barriers, including technical complexity and limited internet access. In response, the study proposed a five-pillar Cryptocurrency Adoption Framework focusing on education, trust-building, community engagement, policy support, and infrastructure. The research concludes that financial literacy, simplified onboarding, and regulatory clarity are crucial for promoting responsible and inclusive digital currency adoption. These findings offer actionable guidance for policymakers, educators, and financial stakeholders in Caraga and comparable regions.

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IJARIIE Jessica C. Caballes, and Donald L. Montenegro. "UNLEASHING THE POWER OF DIGITAL ASSETS: EXPLORING CRYPTOCURRENCY ADOPTION AMONG PROFESSIONALS" International Journal Of Advance Research And Innovative Ideas In Education Volume 11 Issue 3 2025 Page 3497-3508
MLA Jessica C. Caballes, and Donald L. Montenegro. "UNLEASHING THE POWER OF DIGITAL ASSETS: EXPLORING CRYPTOCURRENCY ADOPTION AMONG PROFESSIONALS." International Journal Of Advance Research And Innovative Ideas In Education 11.3(2025) : 3497-3508.
APA Jessica C. Caballes, & Donald L. Montenegro. (2025). UNLEASHING THE POWER OF DIGITAL ASSETS: EXPLORING CRYPTOCURRENCY ADOPTION AMONG PROFESSIONALS. International Journal Of Advance Research And Innovative Ideas In Education, 11(3), 3497-3508.
Chicago Jessica C. Caballes, and Donald L. Montenegro. "UNLEASHING THE POWER OF DIGITAL ASSETS: EXPLORING CRYPTOCURRENCY ADOPTION AMONG PROFESSIONALS." International Journal Of Advance Research And Innovative Ideas In Education 11, no. 3 (2025) : 3497-3508.
Oxford Jessica C. Caballes, and Donald L. Montenegro. 'UNLEASHING THE POWER OF DIGITAL ASSETS: EXPLORING CRYPTOCURRENCY ADOPTION AMONG PROFESSIONALS', International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 3, 2025, p. 3497-3508. Available from IJARIIE, http://ijariie.com/AdminUploadPdf/UNLEASHING_THE_POWER_OF_DIGITAL_ASSETS__EXPLORING_CRYPTOCURRENCY_ADOPTION_AMONG_PROFESSIONALS_ijariie26892.pdf (Accessed : 13 June 2025).
Harvard Jessica C. Caballes, and Donald L. Montenegro. (2025) 'UNLEASHING THE POWER OF DIGITAL ASSETS: EXPLORING CRYPTOCURRENCY ADOPTION AMONG PROFESSIONALS', International Journal Of Advance Research And Innovative Ideas In Education, 11(3), pp. 3497-3508IJARIIE [Online]. Available at: http://ijariie.com/AdminUploadPdf/UNLEASHING_THE_POWER_OF_DIGITAL_ASSETS__EXPLORING_CRYPTOCURRENCY_ADOPTION_AMONG_PROFESSIONALS_ijariie26892.pdf (Accessed : 13 June 2025)
IEEE Jessica C. Caballes, and Donald L. Montenegro, "UNLEASHING THE POWER OF DIGITAL ASSETS: EXPLORING CRYPTOCURRENCY ADOPTION AMONG PROFESSIONALS," International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 3, pp. 3497-3508, May-Jun 2025. [Online]. Available: http://ijariie.com/AdminUploadPdf/UNLEASHING_THE_POWER_OF_DIGITAL_ASSETS__EXPLORING_CRYPTOCURRENCY_ADOPTION_AMONG_PROFESSIONALS_ijariie26892.pdf [Accessed : 13 June 2025].
Turabian Jessica C. Caballes, and Donald L. Montenegro. "UNLEASHING THE POWER OF DIGITAL ASSETS: EXPLORING CRYPTOCURRENCY ADOPTION AMONG PROFESSIONALS." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 11 number 3 (13 June 2025).
Vancouver Jessica C. Caballes, and Donald L. Montenegro. UNLEASHING THE POWER OF DIGITAL ASSETS: EXPLORING CRYPTOCURRENCY ADOPTION AMONG PROFESSIONALS. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2025 [Cited : 13 June 2025]; 11(3) : 3497-3508. Available from: http://ijariie.com/AdminUploadPdf/UNLEASHING_THE_POWER_OF_DIGITAL_ASSETS__EXPLORING_CRYPTOCURRENCY_ADOPTION_AMONG_PROFESSIONALS_ijariie26892.pdf
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