Blockchain-Enabled Access Control Models for Secure Fintech Cloud Ecosystems

Abstract

The rapid evolution of financial technology (Fintech) has intensified reliance on cloud infrastructures to deliver scalable, on-demand digital financial services. However, conventional access control mechanisms within cloud environments often fall short in addressing the confidentiality, integrity, and transparency requirements of Fintech ecosystems. Blockchain technology offers a decentralized and tamper-resistant alternative for enforcing secure access control and trust management. This paper explores blockchain-enabled access control models designed to strengthen identity verification, transaction auditing, and data governance in Fintech cloud systems. It analyzes architectural patterns that integrate smart contracts, distributed ledger consensus, and cryptographic identity frameworks to eliminate single points of failure and unauthorized privilege escalation. The study also examines interoperability challenges between blockchain layers and existing cloud security protocols, identifying design considerations for performance optimization and regulatory compliance. The findings highlight how decentralized access models can transform Fintech cloud security by enabling verifiable, trust-free interactions among stakeholders while preserving scalability and compliance with financial data standards.