Fin-Tech Application in Saudi Arabia: A Study on the Effective Factors in Adopting Fin-Tech Services by MSMEs

Bushra Saeed Rabhan and Nora Almezeini
Additional contact information
Bushra Saeed Rabhan: King Saud University, Saudi Arabia
Nora Almezeini: King Saud University, Saudi Arabia

Journal of Electronic Commerce in Organizations (JECO), 2025, vol. 23, issue 1, 1-25

Abstract: The study aims to assess factors influencing the adoption of digital financial services by micro, small, and medium enterprises (MSMEs) and to evaluate the organizational benefits they derive from fintech integration. The framework for this study was the combination of the technology–organization–environment and technology acceptance model; survey questionnaire was used to collect data from 52 business owners and managers at MSMEs in Saudi Arabia. The variables considered in this study included relative advantage, security, trust, complexity, technology readiness, top management support, organizational competence, competition intensity, vendor quality, government engagement, regulation, ease of use, regulation, and perceived usefulness that affect fintech adoption by MSMEs in Saudi Arabia. The findings show that all studied variables positively affect the adoption of fintech services by MSMEs in Saudi Arabia, except for complexity, security, trust, and vendor quality. Additionally, participating organizations generally have a favorable perception of the fintech services provided.

Date: 2025
References: Add references at CitEc
Citations:

Downloads: (external link)
https://services.igi-global.com/resolvedoi/resolve.aspx?doi=10.4018/JECO.383602 (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:igg:jeco00:v:23:y:2025:i:1:p:1-25

Access Statistics for this article

Journal of Electronic Commerce in Organizations (JECO) is currently edited by Pedro Isaías

More articles in Journal of Electronic Commerce in Organizations (JECO) from IGI Global Scientific Publishing
Bibliographic data for series maintained by Journal Editor ().