Economies· 2026Q2
Financial Technology, Digital Transformation and Higher Education Outcomes: Evidence from Saudi Arabia in Comparative Perspective (2019–2023)
- 0citations
- Q2SCImago
- 2026year
Short summary
Higher education outcomes (enrollment, graduation, admin costs) show mixed associations with FinTech penetration and digital infrastructure across five countries (2019-2023), with financial inclusion as a potential mechanism.
AI-generated from the title and abstract; the full text is not read.
Key points
- Analyzed FinTech penetration, digital infrastructure, and higher education outcomes across 5 countries (2019-2023).
- Used two-way fixed-effects panel models with country and year fixed effects.
- Found mixed conditional associations between FinTech/digital infrastructure and enrollment, graduation, and administrative costs per student.
- Interprets results cautiously due to a small sample size (25 country-year observations).
AI-generated from the title and abstract; the full text is not read.
Abstract
Using comparative data for Saudi Arabia, Singapore, Australia, the United Kingdom, and the United States over 2019–2023, this study examines conditional associations between Financial Technology (FinTech), digital infrastructure, and higher-education outcomes. The empirical unit is the country-year, yielding 25 observations (5 countries × 5 years). The empirical strategy combines descriptive cross-national benchmarking with parsimonious two-way fixed-effects panel models. The baseline models use the FinTech Penetration Index (FPI) internet penetration, Gross Domestic Product GDP per capita, and public education spending, with country and year fixed effects. The estimates show mixed conditional associations across enrollment, graduation, and administrative cost per student and are interpreted cautiously because only five countries are observed. Financial inclusion is treated as a theoretical mechanism that is not directly measured in the present panel. The study therefore provides a transparent comparative Financial Educational Technology (FinEdTech) framework while emphasizing the limits of inference from a small national panel.
The authors' abstract, as published at the source. Economies, 2026 · DOI ↗
Continue with a free account
Ask the paper: 3 free questions a day about this paper; save it, get its citation, new summaries every day for your field. Takeaways are Premium.
Continue free on the webSign in with Google or Apple; no card needed. You come back to this paper.
On your phone:
Management Information SystemsBusiness, Management and Accounting