Abstract

Objectives: This study aimed to investigate the role of integrating Artificial Intelligence (AI) and Blockchain technologies in enhancing efficiency and sustainability within financial operations in the Saudi financial sector. It focused on examining their impact on improving operational efficiency, strengthening transparency and security in financial transactions, reducing operating costs, and supporting the objectives of Saudi Vision 2030. Methods: The study adopted a descriptive-analytical approach. Data were collected through both a literature review and a field study. An electronic questionnaire was distributed to a random sample of 490 employees working in the Saudi financial sector. Results: The findings revealed statistically significant positive effects of AI applications on improving financial operational efficiency and supporting financial decision-making. Blockchain technology was found to enhance transparency, security, and reliability in financial transactions while reducing opportunities for manipulation and fraud. Conclusions: The study concludes that integrating AI and Blockchain represents a strategic pathway for accelerating digital transformation in the Saudi financial sector. This integration enhances efficiency, sustainability, and trustworthiness in financial operations. The study also recommends increasing investments in these technologies and developing human capabilities to maximize their benefits and support long-term financial sector development.