This component of the research investigates how financial technology (FinTech) influences access to and usage of financial services among Qatari households, with special attention to low-income groups and financially underserved populations.

Using nationally representative household surveys, the study analyzes digital financial behavior, trust in FinTech platforms, and the role of demographic factors such as gender, age, income, and religiosity.

The research also explores barriers to FinTech adoption, including digital literacy gaps, cultural attitudes, and infrastructure limitations. The findings are designed to support inclusive policy design and targeted financial education programs.

Key Focus Areas:

• Accessibility of digital financial services

• Behavioral patterns in household financial decision-making

• The role of gender and cultural values in adoption

• Trust and risk perception in digital finance

• Policy implications for improving household inclusion

This deliverable supports national efforts to broaden financial access and aligns with Qatar’s goals of equity and digital transformation.