International Journal of Entrepreneurship, Business and Technology

Beyond Universal Models a Dual-Pathway Conceptual Framework for Fintech Adoption in Multi-Ethnic Emerging Economies

A. Faiz — 2025-11-11

A financing deficit for Micro Small and Medium Enterprises (MSMEs) blocks economic progress in developing nations (World Bank Group, 2022). Financial Technology (FinTech) and hybrid financial structures are presented as solutions like Integrated Challenger Bank Peer-to-Peer (CB-P2P) Lending Platform is one such structure (Feyen et al., 2021; Gomber et al., 2018). An Integrated CB-P2P platform is a strategic instrument for financial inclusion because it combines the regulatory trust of a digital bank and efficiency of a P2P lending system (Imerman & Fabozzi, 2020; Nicoletti 2021). The success of this integration depends on voluntary adoption by potential entrepreneurs. The integrated platform idea grew from a global change in financial services. Technology first unbundled traditional banking and allowed specialized FinTech firms to provide certain services efficiently. These services were then re-bundled into new digital systems for complete solutions and policymakers supported this market-driven integration. The World Bank Group identifies digital transformation and FinTech partnerships as a main path to create efficient and inclusive financial systems. Bank Negara Malaysia's Financial Sector Blueprint 2022-2026 (Bank Negara, 2022) advocates for partnerships and cooperation for a dynamic digital financial services system in Malaysia. The potential Integrated CB-P2P Lending Platform could be a direct result of this policy. Licensing frameworks for digital banks in Malaysia require product diversification to meet the financing needs of unserved and underserved segments like MSMEs.

A Study on AI-Driven, Cloud-Based Neurofeedback Platform for Children with Developmental Disorders

Wong Huey Ling — 2025-11-11

Developmental disorders present significant challenges for children's learning and overall well-being, necessitating innovative and effective support strategies. This study investigated the efficacy of a novel, AI-driven, cloud-based neurofeedback training (NFT) system in enhancing attention, speech development, and behavior among young children (aged 4-8 years) with developmental disorders in Malaysia. Adopting a qualitative quasi-experimental design with a pre-test/post-test framework, seven children participated in a structured NFT program involving a minimum of 72 sessions over at least six months. Data were gathered through comprehensive brainwave analysis using the specialized NFT system, supplemented by researcher observations and in-depth parental interviews. The findings revealed significant positive changes in brainwave patterns indicative of improved self-regulation. Correspondingly, participants demonstrated notable enhancements in attention, communication skills, and a reduction in behavioral problems. The integration of AI and cloud technologies in this NFT system allowed for personalized intervention protocols and suggests a pathway towards more accessible and scalable tech-driven solutions in developmental support. This research underscores the potential of advanced neurofeedback technology to provide a non-invasive and impactful intervention, offering valuable insights for practitioners, educators, and potentially shaping new avenues for entrepreneurial ventures in the EdTech and HealthTech sectors focused on child development.

Study on Teacher-Child Interactions During Activities: Focusing on The Quality of Feedback for Preschool Children’s Learning

Norela Mohamed Shah — 2025-11-11

This study explores how teachers and children interact throughout class activities, paying special emphasis to the feedback given to preschoolers to assist in their learning. It explores how feedback can deepen children's comprehension and promote engagement (Pianta, La Paro, & Hamre, 2008), and it is based on the idea that learning occurs through collaborative interaction and conversation (Garcia-Carrion & Villardón-Gallego, 2016). A purposive sample of five-year-old children, and their teacher participated in three videotaped classroom observations on different days as part of a qualitative methodology. According to the study's findings, scaffolding, thought process prompting, encouraging, and acknowledging achievements were all incorporated in the teacher’s feedback. Both verbal and nonverbal such as praising, accomplishments, encouragements, gestures like smiles or shoulder pat, were noted, even though the teacher mostly oversaw guided activities. While closed-ended inquiries were frequently used in interactions, there were also examples of positive reinforcement and modelling of materials. This study contributes to the understanding of how feedback might improve learning by providing a detailed account of a single classroom environment. The results highlight the potential occurrence of teacher-child interactions that go beyond question-and-answer format and offer guidance for more dialogic and responsive teaching methods in early childhood education.

Preschool Education Students: Exploring The Influence of Academic Background in Zhejiang Province

Yu Qing En — 2025-11-11

An Experiential Pathway to FinTech: An Extended UTAUT2 Analysis of Technology Adoption among Indigenous Malaysian MSMEs

Faiz Azizul — 2025-11-11

This study investigates potential FinTech product adoption for Indigenous (Bumiputera) Micro, Small, and Medium Enterprises (MSMEs). Technology adoption research often overlooks differences within entrepreneurial communities and this study fills that gap with Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model application. Results shown the Bumiputera MSMEs' desire to adopt this potential FinTech is shaped by UTAUT2 (Hedonic Motivation, Performance Expectancy and Facilitating Conditions) factors. Other UTAUT2 (Effort Expectancy and Price Value) factors were significant but weaker results. Social Influence was not a predictor factor. These findings challenge a uniform approach to FinTech development and offer guidance for stakeholders and Fintech service providers to create inclusive financial tools and help close the MSME financing gap.