From blocks to balance sheets: Employee outcomes in AI-enhanced blockchain FinTech

In an era where Financial technology (FinTech) firms are increasingly dependent on blockchain technology, FinTech employees are confronted with information overload that can affect organizational performance. Grounded in socio-technical systems theory (STS), this study explores the role of blockchain financial communication adequacy in driving employee-perceived economic outcomes with occupational well-being and employee's workplace resilience as two mediating variables while employee perceived chatbot assistance in blockchain finance plays the moderating role. Data from 436 employees from a total of 3 FinTech firms with a blockchain native to Saudi Arabia were analyzed using SmartPLS. Results show that communication adequacy directly increases perceived economic outcomes and works through improved well-being and resilience. Moreover, every mediation channel is further enhanced with AI-chatbot support. These insights shed light on the synergies between humans and machines that are required to bring ledger transparency to financial success and provide a blueprint for practitioners looking to optimize socio-technical interfaces in digital finance.