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All Journal International Journal for Advanced Research
Grace Tan Mei Ling
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Journal : International Journal for Advanced Research

 1 
The Role of Technology in Digital Financial Services Transformation Syafiq; Grace Tan Mei Ling
International Journal of Advanced Research Vol. 1 No. 4: December 2024
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/x4e46y30

Abstract

The digital transformation of financial services, driven by technological advancements, is reshaping the global financial landscape. Technologies such as mobile payments, blockchain, artificial intelligence (AI), cloud computing, and machine learning have not only increased efficiency and accessibility but have also expanded financial inclusion, enabling millions to access banking services previously unavailable to them. Mobile money platforms like M-Pesa in Kenya and Alipay in China exemplify the potential of digital financial services in bridging the gap between the banked and unbanked populations. Additionally, blockchain technology has enabled innovations like decentralized finance (DeFi), cryptocurrencies, and smart contracts, which are reducing costs and enhancing transparency in financial transactions. AI and machine learning are improving risk management, fraud detection, and customer personalization. However, the rapid expansion of digital financial services also introduces challenges related to cybersecurity, privacy, regulatory compliance, and the digital divide. Ensuring the security of digital platforms and creating inclusive access for underserved populations are key areas requiring attention. Ultimately, while technology has brought significant opportunities, it is essential to address these challenges through effective regulation and investment in infrastructure to ensure that digital financial services contribute to global financial empowerment and economic growth.
The Role of Teachers in Forming a Superior Generation in the Digital Era Grace Tan Mei Ling; Syafiq
International Journal of Advanced Research Vol. 1 No. 4: December 2024
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/ar8hsr73

Abstract

The role of teachers in shaping a superior generation in the digital era is very important considering the rapid development of technology that affects all aspects of life, including education. This study aims to explore the role of teachers in utilizing technology to create innovative, flexible, and relevant learning to the needs of students in the 21st century. The method used in this study is mixed methods, by combining qualitative approaches through in-depth interviews and quantitative through questionnaires. The results of the study show that most teachers have good digital literacy and have integrated technology into the learning process. However, the challenges faced include limited training time, uneven access to technology, and gaps in supervision of technology use at home. Technology-based learning can improve students' skills such as collaboration, communication, and problem solving. In addition, this study emphasizes the importance of the role of teachers in instilling digital ethics and overcoming social challenges posed by technology. Collaboration between teachers, parents, and the government is needed to create a learning environment that supports the formation of a superior generation that is able to face global challenges in the digital era.
Legal Protection for People with Mental Disabilities in the Criminal Justice System Debi Masri; M. Salim; Junaidi Lubis; Grace Tan Mei Ling
International Journal of Advanced Research Vol. 1 No. 6: April 2025
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/ppgshq88

Abstract

This study explores legal protection for individuals with mental disabilities within the international criminal justice system. While international conventions such as the United Nations Convention on the Rights of Persons with Disabilities (CRPD) provide a foundation for the basic rights of people with mental disabilities, the implementation of such protections within the criminal justice system remains limited. Many countries face challenges in providing adequate accommodations for people with mental disabilities during arrest, interrogation, and trial processes. This research examines the gap between international legal principles and their practical application, focusing on the mechanisms needed to support individuals with mental disabilities in both legal decisions and humane treatment. Additionally, the study explores how principles of legal capacity and supported decision-making can be integrated into existing legal frameworks, and the challenges faced in their implementation. The findings suggest the importance of adopting more inclusive policies and special accommodations to ensure that people with mental disabilities can enjoy their rights in the criminal justice process without discrimination. The paper recommends increased training for law enforcement officials and regulatory reforms that are more responsive to the needs of this group.
The Impact of Education Policies in Asia on Access and Quality of Education in Developing Countries Grace Tan Mei Ling
International Journal of Advanced Research Vol. 2 No. 1: June 2025
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/d6qcgt80

Abstract

This study examines the impact of education policies in Asia on improving access to and the quality of education in developing countries. Using a mixed-methods approach and interval-based regression analysis, the research investigates policy outcomes across five Asian nations—Indonesia, Vietnam, Bangladesh, Pakistan, and the Philippines—from 2015 to 2020. Key policies analyzed include curriculum reform, teacher training, infrastructure investment, and tuition subsidies. Results indicate that while most countries have made notable progress in increasing access to education, improvements in quality have been uneven. Vietnam and Indonesia show the most significant gains due to sustained investment and strong policy implementation frameworks. In contrast, Pakistan and Bangladesh lag due to limited capacity and inconsistent reforms. The findings underscore the importance of aligning education policies with local socio-economic contexts, investing in teacher development, and adopting digital innovations. Moreover, the study finds that policy impacts tend to diminish over time without continued innovation and adaptive leadership. These insights suggest that educational success in developing countries depends not only on access-oriented reforms but also on sustained efforts to improve instructional quality and institutional resilience. This research contributes to policy discourse by offering practical implications for governments, development agencies, and education stakeholders seeking to improve equity and outcomes across Asia’s developing regions.
Co-Authors Debi Masri Junaidi Lubis M. Salim syafiq