The integration of blockchain technology in financial sectors has emerged as a topic of burgeoning interest, with credit business being a pivotal area of exploration. This study aims to investigate the impact of blockchain technology on the operational efficiency and security of credit business processes. Employing a mixed-methods research design, data was collected from 15 credit institutions that have adopted blockchain technology, alongside a control group of 15 credit institutions operating on traditional digital platforms. Key performance indicators (KPIs) such as transaction speed, error rate, fraud incidence, and operational costs were analyzed. The findings reveal a significant enhancement in operational efficiency and security in credit institutions leveraging blockchain technology. Blockchain adoption was associated with a 70 % reduction in fraudulent activities, a 50 % increase in transaction speed, and a 40 % reduction in operational costs. Furthermore, the decentralized nature of blockchain significantly enhanced transparency and trust among stakeholders, fostering a more robust and resilient credit business ecosystem. The study underscores the transformative potential of blockchain technology in redefining the operational paradigms of credit businesses, thereby contributing to the broader discourse on blockchain’s applicability in financial sectors. Future research is recommended to explore the long-term sustainability and regulatory implications of blockchain integration in credit business operations.