Emerging Technologies, Organizational Change, and Financial Innovation: A Multi-Country Study from the Arab Region (OpenAlex (recherche mondiale))

Summary

• Primary data was gathered from 2,168 investors, fintech users, and financial professionals across seven Arab countries to evaluate regional digital transformation.p.1
• The global fintech market is projected to reach 608.35 billion in transaction volume by 2026.p.1
• The MENA region is estimated to surpass $3.45 billion in fintech transaction volume by the end of 2025, driven by the UAE, Saudi Arabia, and Egypt.p.2
• The study's target population comprised 3,500 investors, fintech users, and finance experts active in capital markets and digital financial services.p.8

Key insights

1. The regulatory environment was the only tested factor found to be statistically significant at the 5% level (p = .044) for technology adoption.p.11
2. Digital infrastructure and connectivity displayed a variance inflation factor (VIF) of 4.559, highlighting moderate collinearity in adoption modeling.p.11
3. The refined regression model demonstrated statistical significance at the 99% confidence interval with an F Change significance of .006.p.13
4. The United Arab Emirates leads the Arab region in fintech services, bank blockchain incorporation, digital banking, and smart city financial solutions.p.13
5. Saudi Arabia has expanded digital payments and AI-enabled financial applications rapidly under its Saudi Vision 2030 framework.p.14