Revista de Gestão· 2026Q2
FinTechHub for digital financial inclusion in Saudi Arabia
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- Q2SCImago
- 2026year
Short summary
A conceptual framework for FinTechHub, a knowledge-enabled fintech platform, is proposed to reduce fragmentation and enhance digital financial inclusion in Saudi Arabia by integrating services and providing embedded financial literacy support.
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Key points
- FinTechHub is conceptualized as a knowledge-enabled fintech innovation platform for Saudi Arabia.
- Key design principles include Arabic-first usability, accessibility, security-by-design, transparent consent, Sharia-compliant governance, and embedded digital financial literacy.
- The proposed layered architecture facilitates user experience, orchestration, data integration, and governance.
- Integration breadth, interoperability, personalization, and user control are identified as drivers of perceived usefulness, trust, and sustained use.
- Embedded digital financial literacy support helps users interpret fees, risks, and alternatives at the point of choice.
AI-generated from the title and abstract; the full text is not read.
Abstract
Purpose This paper introduces FinTechHub as a knowledge-enabled fintech innovation platform designed to reduce fragmentation in Saudi Arabia's digital financial services. It explains how a governed access point can support discovery, comparison and guided journeys across multiple financial services while preserving delivery by licensed providers. Design/methodology/approach The paper develops a conceptual framework grounded in platform ecosystem theory. It specifies design principles for Arabic-first usability, accessibility, security-by-design, transparent consent, Sharia-compliant product governance and embedded digital financial literacy. It proposes a layered architecture that covers user experience, orchestration logic, data and analytics, standardized application programming interface (API) integration and governance controls. Findings The framework shows that integration breadth, interoperability quality, personalization and user control can strengthen perceived usefulness, trust and sustained use. It also positions embedded digital financial literacy support as a knowledge mechanism that helps users interpret fees, risks and product alternatives at the moment of choice, thereby supporting adoption and inclusion outcomes. Research limitations/implications As a conceptual paper, the framework requires future validation through prototypes, experiments and longitudinal studies across underserved segments in Saudi Arabia and the wider Gulf context. Practical implications The paper guides platform designers, fintech providers, regulators and inclusion programs on how governed platform design can reduce friction, improve transparency and support safer financial decision-making. Originality/value The paper contributes to fintech innovation and knowledge-based digital inclusion by conceptualizing FinTechHub as a governed, knowledge-enabled orchestration platform rather than a simple aggregation interface or comparison site.
The authors' abstract, as published at the source. Revista de Gestão, 2026 · DOI ↗
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