Robinson, KeithAlMaki, Rawan Haidar2025-06-172025https://hdl.handle.net/20.500.14154/75573The rapid evolution of financial technology (FinTech) has transformed the global financial landscape, introducing innovative products and services that leverage advanced technologies such as artificial intelligence, blockchain, and big data. These developments have reshaped traditional financial systems and raised significant questions about protecting intellectual property (IP) rights, particularly patents. In the context of FinTech, patents serve as critical tools to protect innovative ideas and maintain competitive advantages. However, the complex interplay between technology and finance presents unique challenges in patenting practices. This research explores the practices of FinTech patenting in the Kingdom of Saudi Arabia (KSA), a nation undergoing significant economic transformation under Vision 2030. KSA aims to establish itself as a global leader in innovation, yet the FinTech sector faces hurdles in securing adequate patent protection. The current legal and institutional framework for patenting FinTech innovations in KSA requires enhancements to align with international best practices and foster an innovative-friendly environment. The study examines the requirements and practices for FinTech patents in KSA, comparing them to international standards to identify gaps and opportunities for reform. It delves into patent application filing and examination processes, analyzing case studies from both the Saudi Authority for Intellectual Property (SAIP) and the United States Patent and Trademark Office (USPTO). Through this comparative analysis, the research seeks to provide actionable recommendations for improving KSA’s patenting practices to support FinTech innovation and investment better.235en-USFinancial technology (FinTech)KSAPatent EligibilitySubject MatterPatent Inventive Step (Non-Obviousness)NoveltyIndustrial Applicability (Utility)SAIPUSPTOPatent examinationExaminerMPEPClaim.Thesis