Cybersecurity in Blockchain-based fintech platforms: Social Perceptions and Adoption Intention

This study examines how cybersecurity related perceptions shape Gen Z intention to use blockchain based fintech platforms. Drawing on UTAUT and extended valance framework, a structural model is tested in which digital literacy, social influence, perceived security, risk tolerance, perceived benefit and trust in technology explain behavioural intention. Survey data from 200 Malaysian university students are analysed using partial least squares structural equation modelling. The results show that digital literacy, social influence, perceived security, risk tolerance and trust in technology significantly and positively predict intention, with trust emerging as the strongest driver. Perceived benefit does not directly affect intention, but it strongly strengthens trust, and trust mediates the perceived benefit to intention relationship. The findings highlight the need to build digital skills, communicate safeguards clearly and reinforce ecosystem level trust.