Digital Asset Inheritance: Perceptions, Readiness, and Challenges in a Developing Economy

The rapid expansion of digital assets has transformed contemporary financial systems, yet their role in inheritance planning remains underexplored, particularly in developing economies. Employing a mixed-methods design, this study examines the factors influencing individuals’ acceptance of digital assets as inheritance and explores their perceptions and readiness to adopt such assets within estate planning in Thailand. The quantitative phase analyzes survey data using descriptive statistics and binary logistic regression, focusing on investment experience, risk orientation, emotional responses to financial risk, financial capacity, and perceived suitability. The results indicate that investment orientation, discretionary financial capacity, familiarity with diverse digital asset types, and psychological resilience toward financial volatility significantly increase acceptance, with Preferred Investment Group emerging as the strongest predictor. In contrast, anxiety toward high-risk investments reduces acceptance. Qualitative findings, derived from content analysis of in-depth interviews, reveal persistent skepticism regarding asset stability, legal and institutional uncertainty, technological barriers, and subjective valuation. Despite these concerns, participants expressed conditional readiness to adopt digital assets in inheritance planning given clearer legal frameworks, professional guidance, and user-friendly technologies. This study contributes to the emerging literature on digital wealth transfer and offers practical implications for policymakers, financial advisors, and legal professionals seeking to develop regulatory frameworks, financial literacy initiatives, and technological infrastructures that support the secure intergenerational transfer of digital assets.