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All Journal Journal of Tecnologia Quantica Techno Agriculturae Studium of Research Journal Markcount Finance
David Martin
McGill University
Agriculture, Biological Sciences & Forestry Physics

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Quantum Cryptography to Secure Financial Data Sarah Williams; David Martin; Jessica Green
Journal of Tecnologia Quantica Vol. 1 No. 6 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/quantica.v1i6.1702

Abstract

The background of this research focuses on the security challenges of financial data in the era of quantum computing, which can threaten traditional encryption systems. With the advancement of quantum computing technology, quantum cryptography is considered a potential solution to protect sensitive data from more sophisticated eavesdropping threats. The purpose of this study is to evaluate the effectiveness of the quantum key distribution protocol (QKD) in securing financial data and analyze its advantages and disadvantages in this context. The method used is a performance simulation of the three main QKD protocols (BB84, E91, and B92) to measure key delivery time, security level, and computing resource usage. The results show that the E91 protocol offers a higher level of security than BB84 and B92, although it requires longer delivery times and more resources. The conclusion of this study emphasizes that although quantum cryptography has great potential for securing financial data, its practical application still faces various challenges, especially in terms of efficiency and necessary resources. Further research is needed to optimize these protocols and overcome technical and cost barriers to implementation on a financial industry scale.
CRISPR/CAS9-MEDIATED GENETIC ENGINEERING FOR DEVELOPING SALINITY-TOLERANT RICE VARIETIES FOR INDONESIAN COASTAL AGRICULTURE James Scott; Sarah Williams; David Martin
Techno Agriculturae Studium of Research Vol. 2 No. 6 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/agriculturae.v2i6.2964

Abstract

Salinity intrusion in coastal agricultural areas has become a major constraint to rice production in Indonesia, driven by climate change, sea-level rise, and unsustainable land management practices. High soil salinity adversely affects rice growth, yield stability, and food security, particularly in coastal regions that depend heavily on rice cultivation. Conventional breeding approaches for developing salinity-tolerant rice varieties are often time-consuming and limited by genetic complexity. Advances in genome editing technologies, particularly CRISPR/Cas9, offer a precise and efficient alternative for accelerating crop improvement. The objective of this study is to develop salinity-tolerant rice varieties suitable for Indonesian coastal agriculture through CRISPR/Cas9-mediated genetic engineering targeting key genes associated with salt stress tolerance. This research employed an experimental laboratory-based design combined with controlled greenhouse evaluation. Specific salinity-responsive genes were identified and edited using the CRISPR/Cas9 system. Transgenic rice lines were generated and screened for successful gene edits using molecular analysis techniques. Edited lines were subsequently evaluated under saline and non-saline conditions to assess physiological responses, growth performance, and yield-related traits. The results demonstrate that CRISPR/Cas9-edited rice lines exhibited enhanced tolerance to saline stress, indicated by improved germination rates, higher chlorophyll content, better ion homeostasis, and increased biomass compared to non-edited controls. Several edited lines maintained stable growth and yield under moderate to high salinity levels, confirming the effectiveness of targeted gene modification. In conclusion, CRISPR/Cas9-mediated genetic engineering shows strong potential for developing salinity-tolerant rice varieties tailored to Indonesian coastal environments. This approach provides a rapid and precise strategy to enhance rice resilience, support sustainable coastal agriculture, and strengthen national food security under changing climatic conditions.
Islamic Fintech Platforms for Financial Inclusion: Case Study on Digital Banking in Rural Communities Takim Mulyanto; Sarah Williams; David Martin
Journal Markcount Finance Vol. 3 No. 3 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jmf.v3i3.2928

Abstract

Financial inclusion remains a critical challenge in rural communities where geographical barriers, limited infrastructure, and socio-cultural factors restrict access to formal financial services. Islamic fintech platforms have emerged as an alternative digital solution that combines technological innovation with Sharia-compliant financial principles, offering potential pathways for inclusive finance. The objective of this study is to examine how Islamic fintech-based digital banking platforms contribute to financial inclusion in rural communities through an in-depth case study approach. A qualitative research design was employed, involving purposive sampling of rural digital banking users, community leaders, fintech service providers, and institutional stakeholders. Data were collected through semi-structured interviews, field observations, and document analysis, and were analyzed thematically to capture patterns of access, usage, trust, and perceived benefits. The findings reveal that Islamic digital banking platforms significantly improve account ownership, transaction frequency, access to savings and microfinance, and user confidence in formal financial institutions. Adoption is strongly influenced by Sharia compliance, digital literacy, proximity to agent networks, and endorsement from local religious and community institutions. The study concludes that Islamic fintech platforms function not only as technological tools but also as socially embedded financial instruments that align ethical values with digital innovation. The novelty of this research lies in its integration of Islamic economic theory with empirical rural fintech analysis, demonstrating how value-based digital banking can effectively advance financial inclusion in underserved rural contexts.
Co-Authors James Scott Jessica Green Sarah Williams Takim Mulyanto