Personal saving is an important indicator of future economic prosperity. Despite the growth in gross domestic product per capita (GDPPC) from 2012 to 2022 in the Kingdom of Saudi Arabia (KSA), the personal savings rate remains low. Only a few studies have explored savings in KSA, but no study that used time savings deposits (TSD) to measure personal savings exists. Thus, this study aims to investigate the determinants of personal savings employing TSD. Using data from the Saudi Central Bank from 2012 to 2022, this study empirically examines the determinants of TSD. The autoregressive distributed lag cointegration technique determines the long-run relationship between the study's variables. The study finds that GDPPC, deposit interest rates (DIR), consumer loans (CLs), and real estate loans (RELs) significantly impact personal savings. Only GDPPC and RELs have a significant negative impact on personal savings. The study is among the few to examine savings in KSA but, unlike other studies, used TSD as a measure of personal savings. In conclusion, several implications and recommendations for policymakers and financial institutions were presented.

This paper examines the effect of market investor types (institutional and non-institutional) on total market trade value in Saudi Arabia during the COVID-19 pandemic, including a three-month period of total containment. The research was conducted using a time series analysis method with an AutoRegressive Distributed Lag (ARDL), using weekly data collected from 7 January 2020 to 24 September 2020. The short-run result shows that both investor types net traded values and ownership holding values negatively impacts the development of Tadawul activity. Furthermore, the development of Tadawul activity showed a negative performance for the total containment period of three months. However, the long-run estimated model shows that, for both investor types, only net traded value has a positive significant impact on market activity development, whereas non-institutional ownership holding value development has a significant negative impact. Our results suggest fear is a mediator for the effect of COVID-19 on stock markets.

This empirical study examined fintech adoption in the health-care sector in Saudi Arabia from patients' perspectives. A cross-sectional survey design was employed using an online questionnaire assessing perceived ease of use, social influence, facilitating conditions, personal innovativeness, and perceived trust. Adult patients from public hospitals in Saudi Arabia participated in the survey, and 403 valid responses were analyzed. The findings revealed that personal innovativeness (mean = 3.85) and perceived trust (mean = 3.79) significantly influenced patients' intention to adopt fintech solutions in health-care settings. Demographic analysis further showed that younger adults aged 18 to 30 years (38.0%), urban residents (40.9%), and female participants (42.4%) demonstrated significantly higher receptiveness toward fintech adoption (p < .05). The study highlighted the importance of strengthening trust and encouraging innovative attitudes among patients to support fintech integration within Saudi Arabia's health-care sector and improve adoption across different population groups.