Service Quality and Consumer Behavior in Saudi Arabia: Examining Transactions and Technological Integration within the Vision 2030 Framework

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Abstract
This paper investigates the role of digital transformation in enhancing sectoral quality and influencing consumer behavior in Saudi Arabia, framed within the nation’s Vision 2030 initiative. Through a mixed-methods approach, combining quantitative data from the Saudi Arabian Monetary Agency (SAMA) and the General Authority for Statistics (GAStat) with qualitative insights, this study assesses digital adoption across various sectors and regions. The findings highlight the rapid expansion of e-commerce and digital transactions, revealing strong correlations between digital financial activities and broader economic indicators, such as consumer loans. This underscores the need for tailored digital strategies responsive to sectoral and regional dynamics. The analysis provides practical implications for policymakers and business leaders, emphasizing the importance of developing digital strategies to enhance economic diversification and service quality. The study concludes that digital transformation is critical for fostering resilience and sustainable economic growth in Saudi Arabia’s evolving digital economy. Keywords: Digital Transformation, Saudi Arabia, E-commerce Trends, Consumer Behavior, Financial Indicators, Quality Analysis

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