EXPLORING MBA STUDENT PERCEPTION TOWARDS CRYPTOCURRENCY

Abstract

Cryptocurrency has rapidly evolved into a disruptive force within the global finance sector, challenging conventional ideas of money, investment, and financial systems. Digital assets such as Bitcoin and Ethereum have garnered widespread attention not only for their potential as alternative currencies but also for the innovative technology that powers them—blockchain. This report explores the perceptions, knowledge, and engagement levels of MBA (Master of Business Administration) students regarding cryptocurrencies, aiming to provide a clearer understanding of how future business leaders view this emerging financial landscape. As MBA students are poised to become the next generation of corporate decision-makers, entrepreneurs, and investors, their attitudes towards cryptocurrencies offer valuable insights into the future of finance. This research investigates the extent to which these students are informed about cryptocurrencies, their level of comfort and confidence in engaging with them, and how they perceive the associated risks and opportunities. The study serves as a barometer for broader trends in financial literacy and innovation readiness among emerging professionals. The research employs a structured survey methodology targeting MBA students across various institutions. The survey captures both quantitative and qualitative data on participants’ awareness of major cryptocurrencies, their understanding of blockchain technology, and their perspectives on cryptocurrency as an investment option. It also examines the influence of demographic factors, such as age, gender, and specialization, on attitudes and knowledge levels. Key findings: 1. Awareness and Knowledge: Most MBA students are aware of popular cryptocurrencies like Bitcoin and Ethereum, but fewer have in-depth knowledge vi of the underlying blockchain technology or the mechanics of crypto markets. Technical aspects such as mining, consensus mechanisms, and smart contracts remain areas of limited understanding. 2. Perception of Risks: The majority of respondents acknowledge the high volatility and regulatory uncertainty associated with cryptocurrencies. Concerns also include cybersecurity threats, lack of consumer protections, and unclear tax implications. 3. Investment Attitudes: Despite risk concerns, a significant portion of students expressed interest in cryptocurrency as an investment vehicle. Many view it as a tool for portfolio diversification and an opportunity to engage in innovative financial products. 4. Future Outlook: Students largely agree that cryptocurrency and blockchain technology will play a meaningful role in the future of finance. However, opinions vary on how quickly widespread adoption by mainstream financial institutions will occur. 5. Institutional Trust and Adoption: A recurring theme among respondents is skepticism towards the lack of regulation and the role of unverified information in influencing market movements. However, many indicated increased trust if cryptocurrencies were more formally regulated or backed by established financial institutions. This study offers a timely and nuanced exploration of how MBA students—future leaders of the financial world—perceive and interact with cryptocurrency. While enthusiasm and curiosity are high, knowledge gaps and risk perceptions remain significant. By shedding light on these dynamics, the report contributes valuable insights to academic, financial, and regulatory stakeholders aiming to shape the future of digital finance responsibly and inclusively.