Zubaida Abdel Hadi Atim

The Saudi sector has witnessed a significant digital transformation within the framework of Vision 2030, through the expansion of innovation in artificial intelligence and financial technology (FinTech). Despite the considerable benefits of these developments, they also present challenges, including the need for transparency and accountability This necessitates that the Saudi Central Bank establish clear regulations to ensure the protection of customer rights. This research aims to analyze the legal requirements for using artificial intelligence technologies in Saudi financial institutions and assess the extent to which the current legal framework aligns with relevant international standards and instruments, The study adopted a descriptive, analytical, and comparative approach, through analyzing relevant Saudi legislation and comparing it with international principles. The findings revealed the existence of a charter regulating the ethics of using artificial intelligence in financial institutions, under the supervision of the General Authority for Data and Artificial Intelligence and the Saudi Central Bank, but the regulation still needs development. The study recommends the need to establish a unified legal framework to regulate the use of artificial intelligence in the financial sector that is consistent with international standards and promotes trust, transparency and data protection.

The Kingdom of Saudi Arabia, in its Vision 2030, has focused on attracting foreign investment. This focus is confirmed by the issuance of the Saudi Investment Law of 2025, which considers electronic arbitration a flexible, effective, and secure legal tool for investors, especially in cross-border transactions. Therefore, this research aims to analyze the legal framework for smart arbitration in investment contract disputes in light of the 2025 Investment Law and the Saudi Arbitration System, and in comparison with the UNCITRAL Model Law. This research aims to analyze the consistency of arbitration in investment disputes with international standards. The most important findings are that the Kingdom of Saudi Arabia has made significant progress in developing an electronic arbitration environment that enhances investment protection. Among the most important recommendations are the need to enhance transparency and establish unified technical standards across local and international arbitration centers, which represent essential steps to consolidate Saudi Arabia's position as a regional center for electronic investment arbitration. Acknowledgments :Thanks and appreciation to Prince Sultan University in Saudi Arabia for its commitment to paying financial fees and supporting research