{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,11,26]],"date-time":"2025-11-26T20:54:38Z","timestamp":1764190478223,"version":"3.46.0"},"reference-count":46,"publisher":"IGI Global","issue":"1","license":[{"start":{"date-parts":[[2025,7,7]],"date-time":"2025-07-07T00:00:00Z","timestamp":1751846400000},"content-version":"vor","delay-in-days":0,"URL":"http:\/\/creativecommons.org\/licenses\/by\/3.0\/deed.en_US"},{"start":{"date-parts":[[2025,7,7]],"date-time":"2025-07-07T00:00:00Z","timestamp":1751846400000},"content-version":"am","delay-in-days":0,"URL":"http:\/\/creativecommons.org\/licenses\/by\/3.0\/deed.en_US"},{"start":{"date-parts":[[2025,7,7]],"date-time":"2025-07-07T00:00:00Z","timestamp":1751846400000},"content-version":"tdm","delay-in-days":0,"URL":"http:\/\/creativecommons.org\/licenses\/by\/3.0\/deed.en_US"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2025,7,7]]},"abstract":"<p>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\u2013organization\u2013environment 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.<\/p>","DOI":"10.4018\/jeco.383602","type":"journal-article","created":{"date-parts":[[2025,7,7]],"date-time":"2025-07-07T18:01:17Z","timestamp":1751911277000},"page":"1-25","source":"Crossref","is-referenced-by-count":0,"title":["Fin-Tech Application in Saudi Arabia"],"prefix":"10.4018","volume":"23","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-9350-5379","authenticated-orcid":true,"given":"Bushra Saeed","family":"Rabhan","sequence":"first","affiliation":[{"name":"King Saud University, Saudi Arabia"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-2970-5843","authenticated-orcid":true,"given":"Nora","family":"Almezeini","sequence":"additional","affiliation":[{"name":"King Saud University, Saudi Arabia"}]}],"member":"2432","reference":[{"key":"JECO.383602-0","doi-asserted-by":"publisher","DOI":"10.26719\/emhj.18.007"},{"key":"JECO.383602-1","doi-asserted-by":"publisher","DOI":"10.3390\/su141710750"},{"key":"JECO.383602-2","doi-asserted-by":"publisher","DOI":"10.24191\/jibe.v6i2.16637"},{"key":"JECO.383602-3","doi-asserted-by":"publisher","DOI":"10.3390\/jrfm14100460"},{"key":"JECO.383602-4","doi-asserted-by":"publisher","DOI":"10.1007\/978-981-33-6137-9_3"},{"key":"JECO.383602-5","doi-asserted-by":"publisher","DOI":"10.1016\/j.joitmc.2023.100010"},{"key":"JECO.383602-6","doi-asserted-by":"publisher","DOI":"10.1007\/978-1-4419-6108-2_12"},{"key":"JECO.383602-7","doi-asserted-by":"publisher","DOI":"10.3390\/joitmc8040189"},{"key":"JECO.383602-8"},{"key":"JECO.383602-9","doi-asserted-by":"publisher","DOI":"10.1016\/j.techfore.2021.120880"},{"key":"JECO.383602-10","doi-asserted-by":"publisher","DOI":"10.1007\/s10479-022-04801-5"},{"key":"JECO.383602-11","doi-asserted-by":"publisher","DOI":"10.2991\/aebmr.k.200626.065"},{"key":"JECO.383602-12","unstructured":"Davis, F. D. (1986). A technology acceptance model for empirically testing new end-user information systems: Theory and results [PhD thesis, Massachusetts Institute of Technology]. DSpace@MIT. http:\/\/hdl.handle.net\/1721.1\/15192"},{"key":"JECO.383602-13","unstructured":"Fintech Saudi. (2023, January). Fintech Access Guide Version\u202f3.0. Fintech Saudi. Retrieved from https:\/\/fintechsaudi.com\/wp-content\/uploads\/2023\/01\/English-Fintech-Access-Guide-V3.pdf"},{"key":"JECO.383602-14","unstructured":"Fintech Saudi. (n.d.). About us. Retrieved June 13, 2025, from https:\/\/fintechsaudi.com\/about"},{"key":"JECO.383602-15","doi-asserted-by":"publisher","DOI":"10.1016\/j.jnca.2017.10.011"},{"key":"JECO.383602-16","doi-asserted-by":"publisher","DOI":"10.1108\/JEIM-08-2013-0065"},{"key":"JECO.383602-17","doi-asserted-by":"publisher","DOI":"10.3390\/su13158379"},{"key":"JECO.383602-18","doi-asserted-by":"publisher","DOI":"10.3390\/sym11030340"},{"key":"JECO.383602-19","doi-asserted-by":"publisher","DOI":"10.1016\/j.ijhm.2008.06.004"},{"key":"JECO.383602-20","doi-asserted-by":"publisher","DOI":"10.1108\/10662241111139309"},{"key":"JECO.383602-21","doi-asserted-by":"publisher","DOI":"10.1016\/j.frl.2019.08.008"},{"key":"JECO.383602-22","doi-asserted-by":"publisher","DOI":"10.17705\/1pais.09302"},{"key":"JECO.383602-23","doi-asserted-by":"publisher","DOI":"10.1016\/j.heliyon.2023.e15140"},{"key":"JECO.383602-24","doi-asserted-by":"publisher","DOI":"10.1080\/10447318.2018.1507132"},{"key":"JECO.383602-25","doi-asserted-by":"publisher","DOI":"10.3390\/systems10050181"},{"issue":"1","key":"JECO.383602-26","first-page":"31","article-title":"The influence of perceived risk and trust in adoption of fintech services in Indonesia. CommIT (Communication and Information Technology)","volume":"13","author":"M.Meyliana","year":"2019","journal-title":"Journal"},{"key":"JECO.383602-27","unstructured":"Monsha\u2019at. (2023). About Monsha\u2019at. Retrieved June 16, 2025, from https:\/\/monshaat.gov.sa\/en\/about"},{"key":"JECO.383602-28","doi-asserted-by":"publisher","DOI":"10.3390\/info13090409"},{"key":"JECO.383602-29","doi-asserted-by":"publisher","DOI":"10.54560\/jracr.v12i4.344"},{"key":"JECO.383602-30","doi-asserted-by":"publisher","DOI":"10.1155\/2022\/8610844"},{"key":"JECO.383602-31","doi-asserted-by":"publisher","DOI":"10.3390\/joitmc8040208"},{"key":"JECO.383602-32","doi-asserted-by":"publisher","DOI":"10.3390\/su12177132"},{"key":"JECO.383602-33","doi-asserted-by":"publisher","DOI":"10.48009\/2_iis_2009_495-504"},{"issue":"2","key":"JECO.383602-34","first-page":"65","article-title":"Fintech, blockchain, and Islamic finance: An extensive literature review.","volume":"0","author":"M. R.Rabbani","year":"2020","journal-title":"International Journal of Economics & Business Administration"},{"key":"JECO.383602-35","doi-asserted-by":"publisher","DOI":"10.1007\/978-3-030-68267-5"},{"journal-title":"Diffusion of innovations","year":"1983","author":"E. M.Rogers","key":"JECO.383602-36"},{"key":"JECO.383602-37","unstructured":"Saint, J., & Gutierrez, A. (2017). Adoption of learning analytics in the UK: Identification of key factors using the TOE framework. Academic Press."},{"key":"JECO.383602-38","doi-asserted-by":"publisher","DOI":"10.3390\/jrfm15100428"},{"key":"JECO.383602-39","doi-asserted-by":"publisher","DOI":"10.47709\/cnahpc.v4i1.1213"},{"key":"JECO.383602-40","doi-asserted-by":"publisher","DOI":"10.3390\/jrfm14020058"},{"journal-title":"The processes of technological innovation","year":"1990","author":"L. G.Tornatzky","key":"JECO.383602-41"},{"key":"JECO.383602-42","doi-asserted-by":"publisher","DOI":"10.1109\/ICICoS51170.2020.9299025"},{"key":"JECO.383602-43","doi-asserted-by":"publisher","DOI":"10.20885\/jaai.vol26.iss1.art9"},{"key":"JECO.383602-44","doi-asserted-by":"publisher","DOI":"10.5430\/afr.v8n2p86"},{"issue":"2","key":"JECO.383602-45","first-page":"97","article-title":"The impact of FinTech on banking.","author":"X.Vives","year":"2017","journal-title":"European Economy"}],"container-title":["Journal of Electronic Commerce in Organizations"],"original-title":[],"language":"ng","link":[{"URL":"https:\/\/www.igi-global.com\/viewtitle.aspx?TitleId=383602","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,11,26]],"date-time":"2025-11-26T20:50:52Z","timestamp":1764190252000},"score":1,"resource":{"primary":{"URL":"https:\/\/services.igi-global.com\/resolvedoi\/resolve.aspx?doi=10.4018\/JECO.383602"}},"subtitle":["A Study on the Effective Factors in Adopting Fin-Tech Services by MSMEs"],"short-title":[],"issued":{"date-parts":[[2025,7,7]]},"references-count":46,"journal-issue":{"issue":"1","published-print":{"date-parts":[[2025,1]]}},"URL":"https:\/\/doi.org\/10.4018\/jeco.383602","relation":{},"ISSN":["1539-2937","1539-2929"],"issn-type":[{"type":"print","value":"1539-2937"},{"type":"electronic","value":"1539-2929"}],"subject":[],"published":{"date-parts":[[2025,7,7]]}}}