There is fast growth of digital banking services in Saudi Arabia clearly shows the necessity of well-considered legal decisions. However, there is an obscurity with respect to protecting consumers’ rights and creating a reliable atmosphere for digital finance through legal framework in the digital banking sector in the Kingdom. The primary aims and objectives of this research is to scrutinize the digital banking consumers’ protection legal framework being overseen in Saudi Arabia, analyzing its content, mechanisms, and impact on different stakeholders. Similarly, the study tires to determine its efficacy as well as identify the roadblocks which can prevent its success. Through an extensive review and examination, the evaluation defines key issues, difficulties and finalizes statements about the legal field. The content analysis methodology was used to help address issues emanating from the existing literature. Various scholarly articles, policy documents, and regulatory guidelines were explored. In other words, data for this study were collected through different search sources such as journals, traditional articles of Google Scholar, policy documents, and library sources. A total of 25 articles were explored and contributed immensely to unveiling various aspects of the legal framework of digital banking as well as consumers’ protection in the Kingdom. The findings of this investigation have identified three basic themes on the domestic legal regulation of consumers’ protection in the digital banking system in Saudi Arabia. First, the study has analyzed various legislations such as: consumer protection law, sector-specific regulations, among others concerning the rights and duties of consumer protection. Second, legal obligations in seeking remedies when there is a discriminatory treatment in digital banking services. Third, it has been established that Saudi Arabia have taken a proactive step towards a robust safety cushion to protect the consumer rights and minimizing the risks involved in cybersecurity in the context of Saudi Arabia. Theoretically, on one hand, the study highlights the paramount significance to consumers’ protection legislations in the Kingdom. On the other hand, practically, the Kingdom’s witness of rapid economic growth and technological advancement, ensuring robust consumer protection measures becomes increasingly paramount to foster trust, promote fair business practices, and enhance consumer confidence in the marketplace. Nonetheless, some limitations such as insufficient consumers’ education and regulatory inadequacies were noted which need national coordination between stakeholders. Notwithstanding the fact that the legal framework exhibits strong points especially in addressing vital issues, its timely evaluation, amendment, and enforcement is deemed as a key to solve the emerging challenges and obtain confidence of consumers when it comes to digital banking.

Islamic banking is one of the fastest-growing sectors of the financial industry. Several works have been written in this field, but none attempt to learn the entire Islamic banking and financial system. Furthermore, the study could not locate any publications investigating the conceptual and intellectual foundations of this emerging field of inquiry. The current study uses bibliometric methodologies to assess the current state of Islamic banking, financial research, and the upcoming trends. For the people who choose interest-free investments, the current research examines a conceptual research context on Islamic banking and finance at various planning and decision-making stages. One thousand research studies appearing in scholarly journals between 2005 and 2023 were reviewed for the purpose. In order to examine the works on Islamic banking and finance, bibliometric techniques were used, including analysis of citation network, content, co-citation, keyword, and publishing trends. By suggesting thirteen clusters, to enhance research on Islamic banking and finance to help interest-free investors learn more, the goal of the research is to promote the body of knowledge. The field of Islamic banking and finance has grown from a young lot to a prominent teaching and research tool. Investigating and identifying current research trends in this area is crucial. As institutions and society are placing more emphasis on Islamic banking to raise individual citizens’ responsibilities in developing interest-free investing strategies, the findings are crucial to the community of interest-free financiers. Further research urges with the studies not restricted to a thousand researches only.

Purpose: The purpose of this paper is to explore the impact of Artificial Intelligence on the performance of Indian Banks in terms of financial metrics. The study focused specifically on the NIFTY Bank Index. The paper also advocates that a greater transparency in disclosing AI related information in a Bank’s annual report is required even if it is voluntary. Design/Methodology/Approach: The paper uses a mixed method approach where quantitative and qualitative analysis is combined. A dynamic panel data model is used to understand the impact of AI of Return on Equity (RoE) of 12 Indian Banks in the NIFTY Bank Index over a five-year period. In addition to that, Content analysis of annual reports of banks was conducted to examine AI related disclosure and transparency. Findings: The paper highlights that the integration of Artificial Intelligence (AI) significantly influences the financial performance of sample banks of India. Return on Equity the specific parameter positively influenced with adoption of AI. The profitability of banks is positively impacted by reduced errors and improved operational efficiency. The content analysis of annual reports of the banks indicates different approach for AI disclosure where some banks give detailed information and some are not transparent about AI initiatives. The findings suggest that a higher level of transparency could enhance confidence of all stakeholders. Theoretical Implications: The positive relation between adoption of AI and financial performance, specifically ROE, gives a foundation for academic research to explore the dynamics of emerging technology and financial systems. The study can be extended to explore the impact on other performance indicators in different sectors. Practical Implications: The findings of this study emphasize the importance of transparent AI related disclosures. A detailed reporting about integration of AI helps in enhanced stakeholders’ confidence in case of banking industry. The regulatory framework of banks may also consider making mandatory AI disclosure practices to ensure due accountability to maximize the benefits of AI in banking.

The study sheds light on how service quality aspects affect customer satisfaction in the Saudi banking sector’s particular socio-cultural setting. Thus, the study examines the role of service quality dimensions on customer satisfaction in the banking industry of Saudi Arabia. The study examined how reliability, assurance, empathy, tangibility, and responsiveness affect customer satisfaction in the Saudi Arabian banking market using 250 bank clients. 250 Saudi bank customers completed a standardised questionnaire. These were normal bank customers with proper bank accounts. IBM SPSS correlational and multiple regression analysis investigated variable connections. The study found a significant favourable influence of reliability on customer satisfaction. However, assurance was not significant. Empathy had a significant impact on customer satisfaction. Tangibility shown a significant impact on customer satisfaction. Responsiveness was not significant. The study emphasises on reliability, empathy, and physical service delivery to boost banking customer happiness. The study found 3 of 5 service quality factors to be significant predictors. Service empathy, tangibility, and reliability greatly impacted customer satisfaction. Managers in Saudi banking should prioritize reliability, empathy, and tangibility to boost customer satisfaction. To keep customers happy, managers should monitor these service quality dimensions and adjust strategies based on feedback. Technology can improve service quality by streamlining processes and personalizing experiences.