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The interest in central bank digital currencies (CBDCs) has motivated several initiatives around the world led by central banks. As the success of CBDCs depends on the public trust and use, it is crucial to understand the privacy concerns of users towards CBDCs as a significant determinant of their adoption and usage behavior.

This paper introduces a novel datadriven approach utilizing user-generated content (UGC) from Reddit and aspect-based sentiment analysis (ABSA) to assess dimensions of user privacy concerns and prioritize the specific issues contributing to overall privacy concerns regarding CBDCs. By integrating the concern for information privacy (CFIP) and the mobile users鈥� information privacy concerns (MUIPC) frameworks, this study highlights the key areas and concerns that need to be addressed to ensure a successful integration of CBDCs in the existing financial system.

The findings reveal that perceived surveillance, perceived intrusion, concern of collection, improper access, unauthorized secondary use, and errors, all significantly contribute to the overall privacy concerns of users.

The paper proposes a novel, objective approach to measure privacy concerns constructs using the content posted on social media and demonstrates its effectiveness to address typical limitations of survey-based studies, including small sample sizes and generalizability issues. Index Terms-Central bank digital currency (CBDC), Privacy concerns, Aspect-based sentiment analysis (ABSA), Concern for information privacy (CFIP), Mobile users鈥� information privacy concerns (MUIPC).

Privacy, Sentiment analysis, Data privacy, Social networking (online), Online banking, Surveillance, User-generated content, Size measurement, Security, Indexes