Exploring User Attitudes Toward e-CNY: A Media Comment Analysis Using LDA
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The digital yuan (e-CNY) has become a widely discussed innovation in China's payment landscape, yet public attitudes toward it remaindivided. Drawing on around 17,000 comments from Douyin, this study applied Latent Dirichlet Allocation (LDA) and SnowNLP sentimentanalysis to capture user concerns and perceptions. The findings show that nearly 60% of the comments carried negative sentiment, whilepositive reactions were limited, indicating cautious acceptance at this stage. Three main themes emerged: first, frequent comparisonswith WeChat Pay and Alipay, with many users questioning whether e-CNY is truly necessary; second, concerns over security and privacy,where government backing was seen as both a source of trust and a cause of worry about privacy; third, issues of digital inclusion,especially difficulties faced by the elderly in adapting to new payment methods. Overall, users prioritize everyday usability than aboutthe technical sophistication of the system. These insights suggest that the future promotion of e-CNY should focus on lowering entrybarriers, improving user experience, and addressing the needs of vulnerable groups to ensure broader acceptance and inclusiveness.
Abstract
The digital yuan (e-CNY) has become a widely discussed innovation in China's payment landscape, yet public attitudes toward it remaindivided. Drawing on around 17,000 comments from Douyin, this study applied Latent Dirichlet Allocation (LDA) and SnowNLP sentimentanalysis to capture user concerns and perceptions. The findings show that nearly 60% of the comments carried negative sentiment, whilepositive reactions were limited, indicating cautious acceptance at this stage. Three main themes emerged: first, frequent comparisonswith WeChat Pay and Alipay, with many users questioning whether e-CNY is truly necessary; second, concerns over security and privacy,where government backing was seen as both a source of trust and a cause of worry about privacy; third, issues of digital inclusion,especially difficulties faced by the elderly in adapting to new payment methods. Overall, users prioritize everyday usability than aboutthe technical sophistication of the system. These insights suggest that the future promotion of e-CNY should focus on lowering entrybarriers, improving user experience, and addressing the needs of vulnerable groups to ensure broader acceptance and inclusiveness.