This study adopts a mixed-methods research design, integrating both quantitative and qualitative approaches to comprehensively examine FinTech adoption and its socio-economic impacts in Qatar.

The methodology is structured as follows:

• Literature Review: A systematic review of global and regional FinTech literature to identify theoretical frameworks, research gaps, and contextual variables relevant to Qatar.

• Survey Design & Sampling: Development of structured questionnaires targeting Qatari households and SMEs. A stratified sampling technique is used to ensure representation across gender, income levels, and regions.

• Quantitative Data Collection: Field surveys and digital forms are administered to collect data on financial behavior, technology usage, access barriers, and trust in FinTech platforms.

• Qualitative Inputs: Semi-structured interviews and expert consultations are conducted to gain in-depth insights from regulators, financial institutions, and policy makers.

• Econometric & Statistical Analysis: Data is analyzed using regression models, correlation techniques, and structural equation modeling (SEM) to identify causal relationships.

• Comparative Benchmarking: Qatar’s FinTech landscape is benchmarked against leading global innovation hubs to extract best practices.

• Policy Integration: Research findings are synthesized into actionable policy recommendations tailored to the local legal, economic, and cultural context.

This rigorous and multi-layered methodology ensures both academic validity and real-world relevance, bridging research with policy and practice.