| Summary: | Abstract Recently, there has been a lot of discussion about central bank digital currency. Although this technology has a big impact on the global financial system, it has developed so quickly that the body of knowledge is lacking in many areas. One of these areas is identifying the elements that should encourage the easy adoption of this technology. Globally, and particularly in the banking sector, digital money has grown astronomically. Many central banks are considering releasing their own central banking digital currency (CBDC). Although there are numerous signs that online payments successfully satisfy consumers' expectations despite the sharp rise in both online payment usage and volume, central banks are still investigating the use of a digital currency to streamline and enhance this transaction. However, very few studies have looked into and predicted how such technology may be utilized. This study primarily examines the theory of reasoning action's elements to determine whether they have an impact on how users accept new technologies. A survey of the central bank employees in the UAE's two branches was conducted to determine how these factors affected them. The survey received 94 valid responses. The UAE has a reputation for being one of the first nations to adopt cutting-edge technologies, including smart cities, e-government, and central bank digital currency. A number of conclusions were also derived from the study's findings, which showed how crucial it is to take the Theory of Reasoning and Action into account while planning a CBDC adoption study. The suggested model is an indisputable one that integrates what is already known and offers knowledge to direct next study in a connected topic.
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