Yes , But They have already adhered to Monetary Authorities In Qatar , Kuwait and UAE so why no Saudi Arabia If Samsung Wallet is supported here it will reach millions of download in a day or 2 they can also support digital id of Saudi Arabia almost...
Have patience brother you will receive it in January or February tilll now only s22 users gave got the update and even the s22 users did not get an update in saudi arabia and many other regions it still coming out have patience
Yes You won't face any problem as i asked this issue to samsung support and they said if you download the firmware from websites like sammobile you might face issues but not through smart switch as it is official update and u will receive the future ...