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Learning Resource Centre Monthly Bulletin |
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| New Books |
 Ebook: FN448 Digital Finance : Big Data, Start-Ups, and the Fut By Perry Beaumont |  Ebook: FN449 The AI Book : The Artificial Intelligence Handbook By Susanne Chishti, Ivana Bartoletti, Anne Leslie, an |  Ebook: FN450 The FINTECH Book : The Financial Technology Handbo By Susanne Chishti and Janos Barberis |
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| Articles |
| Key factors influencing fintech adoption among Saudi banks: a conceptual framework By Alrsheedi, Ali; P. Iskandar, Yulita Hanum Humanities & Social Sciences Communications; London Vol. 12, Iss. 1, (Dec 2025): 1194. DOI:10.1057/s41599-025-05532-1 Abstract :The adoption of financial technology (fintech) has emerged as a significant phenomenon in the banking industry, driven by technological advancements that have transformed the financial sector. However, previous studies indicate that Saudi banks are in the initial stages of fintech adoption. Therefore, there is an urgent need to explore the critical factors driving its adoption in Saudi Arabia. This study proposes a theoretical model to investigate the relationships between the key factors influencing fintech adoption among Saudi banks. The technology–organisation–environment (TOE) framework is employed to illustrate these relationships, encompassing technological factors, including relative advantage, compatibility, simplicity, and observability; organisational factors, including top management support, infrastructure maturity, and financial readiness; and environmental factors, including competitive pressure, government regulation support, and customer pressure. This study offers significant contributions to the literature by applying the TOE framework to fintech adoption in Saudi banks, with a particular focus on regulatory influences and the maturity of digital infrastructure. Thereby expanding our understanding of the literature on fintech adoption in the banking sector. By integrating insights from Saudi Arabia’s financial sector, this study provides practical recommendations for policymakers and banking executives to enhance fintech adoption in alignment with the digital transformation goals of Vision 2030. Moreover, this study provides valuable insights for policymakers, managers, and stakeholders by highlighting the factors that enhance the adoption of fintech in Saudi banks. | |||
| Empowering the financial sector: the role of fintech research development trends By Ahmed Razman Latiff , Mohammad Zakaria Alqudah , Husni Samara and Naji Alslaibi Future Business Journal; Cairo Vol. 11, Iss. 1, (Dec 2025): 92. DOI:10.1186/s43093-025-00512-y Abstract :Fintech has revolutionized the financial sector; however, research remains fragmented across domains, necessitating a comprehensive understanding of its landscape. This study maps fintech research trends from 2018 to 2023 by using a bibliometric analysis of 868 publications from the Web of Science Core Collection. Employing tools such as VOS viewer and RStudio, this study conducts cluster analysis, keyword co-occurrence analysis, and bibliographic coupling to identify key themes. Four major directions have emerged: fintech’s role in financial entrepreneurship, efficiency and profitability in banking, client behavior and trust in digital services, and innovations in Islamic banking. These findings highlight the current trends and outline future research opportunities. This study offers original insights into fintech’s transformative impact on finance, guiding researchers, practitioners, and policymakers in fostering innovation, regulation, and investment. Furthermore, by addressing societal implications, particularly within Islamic banking and consumer behavior, it contributes to building inclusive and sustainable financial systems, underscoring fintech’s potential to reshape global finance. | |||
| Financial technology and banking performance in developing countries: evidence from an advanced quantile regression approach By Iatzaz Ul Hassan, Muhammad; WU, Mengyun; Lu, Jie; Sohu, Jan Muhammad; Ali, Shoaib Humanities & Social Sciences Communications; London Vol. 12, Iss. 1, (Dec 2025): 1455. DOI:10.1057/s41599-025-05571-8 Abstract :FinTech has emerged as a transformative force in the global banking industry, especially in developing economies where digital solutions are rapidly redefining financial access, efficiency, and competition. Despite its growing relevance, empirical research remains limited regarding the heterogeneous effects of FinTech on banking performance and the role of institutional quality in shaping these outcomes. This study investigates the impact of FinTech adoption on bank performance in 33 developing Asian countries from 2010 to 2022 while assessing the moderating effect of economic governance. Using the Method of Moments Quantile Regression and Bootstrapped Quantile Regression, the analysis captures distributional dynamics and robustly estimates relationships across different levels of bank performance. Findings reveal a consistently positive and statistically significant impact of FinTech on bank performance, particularly in lower-performing banks, suggesting that FinTech fosters financial inclusion and competitiveness. Economic governance is also shown to exert a direct and positive influence, especially in institutional environments where regulatory stability and accountability enhance operational outcomes. Furthermore, the interaction between FinTech and governance is significant, indicating that stronger institutional frameworks amplify the beneficial effects of FinTech. These results are stable across various quantiles and robust to alternative specifications. The study offers critical insights for policymakers and financial regulators, emphasizing the need for synchronized development of digital financial infrastructure and governance frameworks to maximize performance gains in the banking sector. In light of the COVID-19 pandemic’s role in accelerating digital adoption, the findings underscore the importance of institutional resilience in mitigating associated risks. This research contributes to the ongoing discourse on digital finance and economic development by integrating technological innovation and institutional quality into a unified empirical framework, offering actionable recommendations for sustainable banking reforms in developing regions. | |||
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