It's something that's occurring for a lot of users today. If you had installed Photoshop yesterday it would have installed without any problems as the Droplet Template.exe file was first tagged as a Trojan file this morning. The most common anti-virus program to flag it is Vipre.
Anti-malware software nowadays has a lot of heuristic behaviors - meaning it's probably not definitively detecting a virus, but spotting something it thinks smells vaguely like one. It's a transition (from hard detection to heuristics) that's been happening in recent years all across the anti-malware industry and a lot of folks are caught off guard by it. It's possible your antivirus software maker simply needs time to assimilate reports of false positives and make an exception for Adobe's software.
Considering that Adobe probably does some pretty tricky things to ensure people can't easily steal their software, that it is detected acting in a manner attributed normally to malware becomes a bit less surprising. But I don't think there's a virus in it.
Adobe does recommend stopping your antivirus software before installing.
I was not able to repro with latest Vipre 2014 build. Please ensure your virus definitions are upto date.
Let me know in case of any issues.
Vipre has apparently fixed their definitions. Be sure you are up to date. Still had issues with an obscure Microsoft file in the temp directory (noted in the explanation of failure to install) AND caught up with updates and everything works now.