The paper offers an interesting idea about gender and financial inclusion in the Kingdom of Saudi Arabia. However, there are some issues that the author failed to consider, such as socio-economic conditions and institutional quality and their impact on financial inclusion. The author may also need to consider the dynamic and causal relationship between explanatory variables and financial inclusion. In addition, the paper needs more exploration on the theoretical background to support the hypotheses development rather than only based on the empirical evidence.

The paper offers an interesting idea about gender and financial inclusion in the Kingdom of Saudi Arabia. However, there are some issues that the author failed to consider, such as socio-economic conditions and institutional quality and their impact on financial inclusion. The author may also need to consider the dynamic and causal relationship between explanatory variables and financial inclusion. In addition, the paper needs more exploration on the theoretical background to support the hypotheses development rather than only based on the empirical evidence.