The adoption of fintech solutions in Saudi Arabia's e-commerce landscape: Impact on security, convenience, and financial inclusion

The MENA region, particularly in the Gulf area, has recently witnessed remarkable growth in the adoption of financial technology and e-commerce to build a new digital economy that enhances countries' capabilities. One of the most prominent models reflecting significant developments in digital economies is the Kingdom of Saudi Arabia, due to its Vision 2030 and the facilities it has provided to attract local and global investments. This is in line with its goals of increasing fintech startups, increasing the number of Saudi workers, and achieving an investment surplus.

This paper aims to explore the influence of fintech innovations on the growth of e-commerce in Saudi Arabia market. The intersection of financial technology and e-commerce has a clear effect on the KSA economic growth, especially in the past 10 years. By leveraging government-backed initiatives under Vision 2030 and a regulatory framework established by the Saudi Central Bank (SAMA), Fintech has enhanced consumer trust, access to financial services, and facilitated seamless online transactions. The findings underline the critical role of Fintech in shaping the future of e-commerce within the Kingdom of Saudi Arabia.