Modeling Intelligent Judgment Formation in Public Digital Services: Cognitive and Social Pathways from a Structural Equation Perspective

This study examines intelligent judgment formation in blockchain-based public digital wallet systems within smart city environments. Drawing on an integrated framework that combines cognitive evaluation, social influence, and trust–risk appraisal, this research conceptualizes intelligent decision-making as a socially embedded and contextually enacted evaluative process rather than a fixed cognitive attribute. A structural equation modeling approach is employed to analyze the interrelationships among perceived usefulness, perceived ease of use, subjective norms, social electronic word of mouth, trust–risk appraisal, attitude, and behavioral intention. The findings indicate that socially distributed information signals play a dominant role in shaping evaluative integration and decision readiness, while cognitive and institutional appraisals operate primarily through mediated pathways. The results suggest that intelligent action in public digital service ecosystems emerges from the coordinated interaction of usability perception, institutional confidence, and socially calibrated information flows. These findings contribute to theoretical extensions of technology acceptance models in public governance contexts and offer implications for the design of socially responsive digital service infrastructures.