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All Journal Journal Emerging Technologies in Education Journal of Social Science Utilizing Technology
Charles Ndikumana
Hope Africa University

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Designing Inclusive Hybrid Learning Using Eye-Tracking and Adaptive UX: A Neuroadaptive Framework Alida Ntahonkiriye; Charles Ndikumana; Denise Mutoni; Ardi Azhari Nampira
Journal Emerging Technologies in Education Vol. 3 No. 3 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jete.v3i3.2233

Abstract

Background. The growing diversity of learners in hybrid education environments necessitates adaptive systems that respond to individual cognitive and emotional states in real time. Traditional user experience (UX) models often fail to accommodate neurodivergent users or those with varying attention patterns and processing styles. Purpose. This study proposes a neuroadaptive framework that integrates eye-tracking technology and adaptive UX design to create inclusive hybrid learning experiences. Method. The research aims to examine how real-time gaze data can inform interface adjustments that support engagement, accessibility, and cognitive load management. Employing a mixed-method design, the study involved 58 university students who interacted with a prototype learning platform embedded with eye-tracking sensors and adaptive UX features. Quantitative data from gaze patterns, task completion, and performance metrics were complemented by qualitative feedback through user interviews and think-aloud protocols. Results. Results indicate that the neuroadaptive interface significantly improved task efficiency, learner focus, and subjective usability across diverse cognitive profiles. Conclusion. The study concludes that This study demonstrates that real-time biometric feedback can personalize hybrid learning experiences and improve inclusivit.
Fintech and Financial Inclusion: A Study on the Role of P2P Lending Platforms for Unbanked MSMEs (UMKM) in Indonesia I Putu Astawa; Kabelo Dube; Charles Ndikumana
Journal of Social Science Utilizing Technology Vol. 3 No. 4 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jssut.v3i4.2831

Abstract

Background. In Indonesia, micro, small, and medium enterprises (MSMEs), which represent a significant portion of the economy, often face challenges in accessing traditional financial services due to limited access to banking and credit facilities. Peer-to-peer (P2P) lending platforms have emerged as a viable alternative to address the financing gap for unbanked MSMEs. Purpose. This study investigates the role of P2P lending platforms in promoting financial inclusion among unbanked MSMEs in Indonesia, focusing on their potential to provide easier access to capital and foster economic growth. Method. The research adopts a mixed-methods approach, combining quantitative surveys and qualitative interviews with MSME owners and financial experts. A total of 200 MSMEs across various sectors were surveyed, and 15 in-depth interviews were conducted to explore the experiences of MSME owners using P2P lending services. Data analysis includes descriptive statistics and thematic analysis to understand the impact of P2P lending on business performance, financial inclusion, and economic empowerment. Results. The findings reveal that P2P lending platforms have significantly improved access to capital for unbanked MSMEs, enabling them to expand their operations and enhance their financial stability. However, challenges such as high-interest rates, limited awareness, and lack of financial literacy remain. Conclusion. The study concludes that P2P lending platforms play a crucial role in enhancing financial inclusion for MSMEs in Indonesia. To maximize their impact, there is a need for more targeted financial literacy programs and policy support to improve the accessibility and sustainability of these platforms for unbanked MSMEs.
Co-Authors Alida Ntahonkiriye Ardi Azhari Nampira Denise Mutoni I Putu Astawa Kabelo Dube