WHAT PERSONALITY TRAITS DETERMINE THE WILLINGNESS OF RUSS IANS TO INVEST IN CRYPTOCURRENCIES?

The relevance of the study of the readiness of Russians to investment behaviour is due to the need to attract funds of citizens in the economy. At the same time, the development of digital technologies, in particular, the emergence of crypto-currencies entails a certain risk, both for the investors themselves and for the economy as a whole. We conducted a theoretical analysis of domestic and foreign studies on this problem and an empirical study in which participated 356 respondents. To this end, the authors used the following methods: questioning, semantic differential, psychodiagnostic tests: “Short Portrait Big Five Questionnaire (BF‑10)” and the questionnaire “Personal decision-making factors”. As a result, we found that the investment behaviour of Russians is weak: the majority of respondents are not ready to invest in traditional financial instruments, or, especially, in crypto-currencies. The image of bitcoin as a complex socially determined system of impressions and relations is characterized by a low level of understanding and significantly more negative attitude as compared to the US dollar. The positive attitude of respondents to bitcoin is associated with greater openness to new experience and less emotional instability and does not depend on the willingness to risk. The attitude of the US dollar practically does not depend on personality traits and is related only to the goodwill. The results obtained are consistent with each other and with the results of other researchers.

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