Proceedings of the 2026 11th International Conference on Social Sciences and Economic Development (ICSSED 2026)

2026 11th International Conference on Social Sciences and Economic Development (ICSSED 2026)

📍Beijing, China🗓️ 20-22 March 2026
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Toward a Conceptual Framework to Explain the Intermittent Discontinuance in Electronic Chinese Yuan (e-CNY) Usage

e-CNY Intermittent Discontinuance Framework

Authors
Jung-Chieh Lee1, *, Ziyang Ou2, Ziyue Luo1
1Bay Area International Business School, Beijing Normal University at Zhuhai, Zhuhai, China
2Business School, Beijing Normal University, Beijing, China
*Corresponding author. Email: jclee@bnu.edu.cn
Corresponding Author
Jung-Chieh Lee
Available Online 30 July 2026.
DOI
10.2991/978-94-6239-701-9_85How to use a DOI?
Keywords
Central bank digital currencies (CBDCs); electronic Chinese yuan (e-CNY); stress–strain–outcome (SSO) framework; intermittent discontinuance
Abstract

This paper describes the development of a conceptual framework to explain intermittent discontinuance in electronic Chinese yuan (e-CNY) usage, a postadoption behavior characterized by alternating periods of use and temporary withdrawal. Drawing on the stress–strain-outcome (SSO) framework, the model identifies four key stressors—system feature overload, absence of incentives, insufficient usage scenarios, and user inertia—that influence two forms of psychological strain: usage fatigue and neutral satisfaction. These strain variables are proposed as the primary drivers of intermittent discontinuance. As a conceptual study, the paper does not conduct empirical testing; rather, it provides a theoretically grounded foundation for future research. In the next phase, data from experienced e-CNY users will be collected to validate and refine the proposed model using quantitative analysis. This framework advances the understanding of fluctuating central bank digital currencies (CBDCs) postadoption behaviors and offers guidance for future empirical inquiry and practical improvement of e-CNY user engagement.

Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2026 11th International Conference on Social Sciences and Economic Development (ICSSED 2026)
Series
Advances in Economics, Business and Management Research
Publication Date
30 July 2026
ISBN
978-94-6239-701-9
ISSN
2352-5428
DOI
10.2991/978-94-6239-701-9_85How to use a DOI?
Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Jung-Chieh Lee
AU  - Ziyang Ou
AU  - Ziyue Luo
PY  - 2026
DA  - 2026/07/30
TI  - Toward a Conceptual Framework to Explain the Intermittent Discontinuance in Electronic Chinese Yuan (e-CNY) Usage
BT  - Proceedings of the 2026 11th International Conference on Social Sciences and Economic Development (ICSSED 2026)
PB  - Atlantis Press
SP  - 822
EP  - 832
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-701-9_85
DO  - 10.2991/978-94-6239-701-9_85
ID  - Lee2026
ER  -