The Effect of Blockchain Adoption on Fintech Development: The Moderating Role ofOrganizational Agility, An Empirical Study of Digital Wallet

This article investigates the moderating effect of organizational agility on the association between blockchain adoption and fintech development, focusing on the digital wallet in Jordan. Transforming the digital economy with financial technologies, blockchain, a foundational innovation, offers improved transparency, security, and operational efficiency. However, the extent to which these benefits materialize depends on an organization's ability to respond quickly to change, a quality known as organizational agility. In line with this, we explore how the adoption of blockchain adds to the relationship between fintech development outcomes and how organizational agility interplays in this relationship. We adopted a quantitative methodology that involved employees and stakeholders in the digital wallet. The results show that blockchain adoption positively influences fintech development, and organizational agility significantly moderates this relationship. Such findings provide practical contributions for fintech firms and technology strategists to use blockchain innovations to grow dynamically in organizations, in Jordanian emerging financial markets.