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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.