# Understanding Consumer Acceptance for Blockchain-Based Digital Payment Systems in Bhutan
## 5 Results
### Significance Levels  
Table 6 shows how significance levels in the model were determined using \(p\)-values and T-statistics for each path. Relationships with \(p\)-values below 0.05 were considered statistically significant, which underscores the importance of these factors in facilitating the acceptance of blockchain adoption in Bhutan's digital payment systems. The higher the T-statistic, exceeding 1.96 at a confidence level of 95%, the stronger the relationship [126].  
\begin{table}
\begin{tabular}{c c c c} \hline \hline  & **T-Statistics** & \(p\) **Values** & **Significance** \\ \hline PE \(\rightarrow\) ACC & 5.426 *** & 0.000 & Significant \\ EE \(\rightarrow\) ACC & 3.087 *** & 0.002 & Significant \\ SI \(\rightarrow\) ACC & 4.286 *** & 0.000 & Significant \\ FC \(\rightarrow\) ACC & 4.104 *** & 0.000 & Significant \\ \hline \hline \end{tabular}  
* ** \(p<0.001\), ** \(p<0.01\)  
\end{table}
Table 6: Significance level results.  
\begin{table}
\begin{tabular}{c c} \hline \hline  & **ACC** \\ \hline PE & 0.337 \\ EE & 0.204 \\ SI & 0.192 \\ FC & 0.220 \\ \hline \hline \end{tabular}  
\end{table}
Table 5: Path coefficient results.  
In Table 6, the analysis of the significance level indicates the statistical robustness of the correlations between PE, EE, SI, FC and ACC of blockchain-based digital payment platforms. The analysis was carried out using T-statistics and \(p\)-values with theoretical thresholds set at T > 1.96 and \(p<0.05\)[126].  
PE is the most robust predictor of ACC, with a T-statistic of 5.426 and a \(p\)-value of 0.000. This underscores the importance of perceived utility as driving ACC. Having consumers perceive blockchain-based digital payment systems as more secure, faster, and efficient will increase their chances of acceptance. PE represents the usefulness that users value in such systems.  
EE is also statistically significant for ACC, with a T-statistic of 3.087 and a \(p\)-value of 0.002. This highlights that usability is critical to promoting ACC. It is particularly important to simplify the use of the system in environments with different levels of digital literacy.  
SI is also statistically significant for ACC, showing a T-statistic of 4.286 and a \(p\)-value of 0.000. The above results show that peer recommendations, norms, and recommendations have a significant impact on how consumers think about adopting blockchain. A positive social environment can also significantly boost ACC.  
Another significant factor in ACC is FC, whose T-value is 4.104 and whose \(p\)-value is 0.000. These findings emphasize the importance of a well-developed infrastructure, including reliable Internet connectivity, device availability, and technical support, to facilitate blockchain adoption. FC provides users with the tools and support they need to integrate emerging technologies effectively.  
These findings show that each of these four factors, namely PE, EE, SI, and FC, is statistically relevant to the ACC of consumers of blockchain-based digital payment systems. PE is the strongest, with an emphasis on perceived utility and performance. FC, SI, and EE also contribute significantly, underlining the importance of infrastructure, social reinforcement, and ease of use. This finding suggests the need to focus on these imperatives to effectively foster blockchain adoption and greater consumer engagement.