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A Maturity Model for Understanding and Evaluating Digital Money

As the internet and e-commerce expands, individuals will seek ways to earn and spend currency in the digital economy. Furthermore, faith in the fiat money systems of some countries is eroding and investors are searching for alternative ways to invest and store their wealth. Digital currencies (DC) are filling the demand for an alternative to government-based currency. Currently there are over 1,500 DCs with a market capitalization of over 450 billion (in US dollars) that are traded in thousands of markets. This chapter reviews the literature and history of DCs. Then the authors explain the related risks and benefits. Next, they add to the literature by proposing a model for judging the maturity of a DC. The digital currency maturity model (DCMM) will help individuals and organizations evaluate the safety and reliability of DCs given the investor's risk tolerance. Finally, the authors summarize their findings and suggest future research.