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The provided sources examine the complex factors driving digital currency and mobile payment adoption, highlighting age and gender as primary determinants of consumer behavior. Younger generations emerge as the most enthusiastic users, viewing these technologies as innovative tools for online shopping and wealth building, while older adults express deep skepticism rooted in a preference for traditional financial systems. Beyond demographics, the research identifies trust and security as critical hurdles, with many Americans feeling uneasy about the risks of fraud and volatility associated with cryptocurrencies. On a global scale, the data shows that emerging markets like India and Nigeria lead in adoption, often using digital assets for practical needs such as inflation protection and remittances. Furthermore, businesses are more likely to implement mobile payment systems in areas with younger populations, such as university districts, where demand for digital-native habits is highest. Ultimately, the reports suggest that while technological awareness is growing, achieving mainstream cultural legitimacy depends on establishing emotional credibility and addressing persistent safety concerns.