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This study utilizes cross-country survey data to analyze differences in attitudes toward cryptocurrency as an alternative to traditional money issued by a central bank. Particularly, we investigate women’s general attitude toward cryptocurrency systems. Results suggest that women invest less into cryptocurrency, show less interest in the future cryptocurrency investment, and see less economic potential in these systems than men do. Further evidence shows that these attitudes are directly connected with lower literacy in cryptocurrency systems. These findings support theory on gender differences in investment behavior. We contribute to the existing literature by conducting a cross-country survey on cryptocurrency attitudes in Europe and Asia, and hence show that this gender effect is robust across these cultures.
Why do entrepreneurship rates differ so markedly by gender? Using data from a large representative German household panel, we investigate to what extent personality traits, human capital, and the employment history influence the start-up decision and can explain the gender gap in entrepreneurship. Applying a decomposition analysis, we observe that the higher risk aversion among women explains a large share of the entrepreneurial gender gap. We also find an education effect contributing to the gender difference. In contrast, the Big Five model and the current employment state have effects in the opposite direction, meaning that the gender gap in entrepreneurial entry would be even larger if women had the same scores and the same employment status as men. (JEL codes: L26, J16, D81, J24, M13).