Mobile Banking and Financial Inclusion: Bridging Gaps Globally (Published)
Mobile banking serves as a transformative force in global financial inclusion, addressing persistent barriers that keep millions excluded from formal financial systems. By leveraging widespread mobile phone adoption, these services create accessible pathways to financial participation for underserved populations, particularly in rural areas where traditional banking infrastructure is limited or absent. The technical architecture of mobile banking—featuring lightweight applications, offline functionality, robust security frameworks, and interoperability—enables operation in resource-constrained environments. Beyond technical innovation, mobile banking delivers significant socioeconomic benefits, extending financial services to rural communities, empowering small businesses, reducing gender gaps in financial access, and creating pathways out of poverty. Despite these advantages, challenges remain in digital literacy, data privacy, consumer protection, and technological divides between demographic groups. The Kenyan implementation offers valuable lessons for other regions, demonstrating how appropriate regulatory frameworks, user-centered design, and continuous evolution can maximize impact and sustainability in expanding financial inclusion through mobile technology.
Keywords: Digital Literacy, Financial Inclusion, Mobile technology, regulatory frameworks, socioeconomic impact
The Impact of Mobile Applications on Neuroplasticity and Learning Outcomes in Youth: A Technical Analysis (Published)
Mobile applications’ influence on neuroplasticity and learning in youth reveals intricate patterns of both enhancement and potential disruption to cognitive development. Through digital engagement, these technologies demonstrate the capability to reshape neural pathways, particularly affecting attention, memory, and executive function development. While excessive screen time presents challenges to cognitive processing and social development, strategic implementation of mobile applications shows promise in supporting diverse learning needs and enhancing educational outcomes. Evidence indicates that interactive features, gamification, and personalized learning approaches can benefit both typical learners and those requiring additional support. The integration of these tools in educational settings marks a significant shift toward technology-enhanced learning, requiring thoughtful consideration of implementation strategies to maximize benefits while protecting healthy development. Recommendations emphasize the importance of age-appropriate design, balanced usage patterns, and inclusive features that accommodate various learning styles and cognitive profiles.
Keywords: Digital Learning, Educational Innovation, Mobile technology, Neuroplasticity, cognitive development
Proposed Model For Mobile Marketing System With Push Notification (Published)
These days, the quantity of information on the Internet is increasing day after day. With this amount of information becomes difficult to be monitored by users, since searching for specific information and follow this search may cost a lot of time and effort. Likewise, the use of smart phone is also increasing and make the information delivered through push notification to the users extremely easier. For this reason, This study introduces a new mobile marketplace application which provides follow search service to cater for these difficulties. The paper described the way to gather the requirements, develop Iraq Marketplace (IQM) mobile application and provide follow search service by sending push notification to users. Finally, it tests the usability of the application. The paper found that the prototype has a positive result in both system satisfaction and usability with how easy using the system.
Keywords: Mobile Application, Mobile technology, Push Notification, Smart Phone