The Republic of Moldova is a state with a small, but dynamic economy and which, with the help of competitiveness in the IT industry, is looking for a place on the economic market in the Eastern European region. The research approaches this topic from an economic, historical, but also geopolitical point of view. This analysis of economic data and figures from the last period, combined with government policies and that of the National Bank of Moldova, means that in the near future the software economic area of Moldova will become an important regional player in this part of Europe.

Macao’s Continuing Education Development and Improvement Program aims to create lifelong learning conditions for Macao residents who have reached the age of 15 and encourage them to pursue continuing education or obtain certification to improve their personal qualities. This paper analyzes the entire implementation process of the Continuing Education Development and Improvement Program in Macao, using the traditional means of policy analysis from three perspectives. For the government, successful implementation ensures the quality of continuing education and promotes the building of a learning society in Macao. For educational institutions, this program provides residents with multiple learning pathways to meet diversified needs. For residents, it alleviates the cost pressure caused by education and promotes individual development in various aspects. However, there are still some problems in the subsequent implementation process that need to be improved, such as unclear positioning, inadequate administrative supervision mechanisms, and a weak guarantee of curriculum quality.

In rural areas, land use activities around primary arterial roads influence the road section’s traffic characteristics. Regulations dictate the design of primary arterial roads to accommodate high speeds. Hence, there is a mix of traffic between high-speed vehicles and vulnerable road users (pedestrians, bicycles, and motorcycles) around the land. As a result, researchers have identified several arterial roads in Indonesia as accident-prone areas. Therefore, to improve the road user’s safety on primary arterial roads, it is necessary to develop models of the influence of various factors on road traffic accidents. This research uses binary logistic regression analysis. The independent variables are carelessness, disorderliness, high speed, horizontal alignment, road width, clear zone, road shoulder width, signs, markings, and land use. Meanwhile, the dependent variable is the frequency of accidents, where the frequency of accidents consists of multi-accident vehicles (MAV) and single-accident vehicles (SAV). This study collects data for a traffic accident prediction model based on collision frequency in accident-prone areas. The results, road shoulder width, and road sign factor all have an impact on the frequency of traffic accidents. According to a realistic risk analysis, MAV and SAV have no risk difference. After validation, this model shows a confidence level of 92%. This demonstrates that the model generates estimations that accurately reflect reality and are applicable to a wider population. This research has the potential to assist engineers in improving road safety on primary arterial roads. In addition, the model can help the government measure the impact of implemented policies and engage the public in traffic accident prevention efforts.

Personal data privacy regulation and mitigation are critical in implementing financial technology (fintech). Problems with fintech users’ data might result from data breaches, improper usage, and trade. Issues with personal data will result in financial losses, crimes, and violations of personal information. This legal research used three approaches: conceptual, comparative, and statute-based. In order to implement the statutory method, all laws and regulations pertaining to the legal concerns of information technology, fintech, personal data security, and protection are reviewed. Due to the nature of the sources of data, this study mainly used literature study and document observation to collect the data. Then, legal interpretation, legal reasoning, and legal argumentation are all included in the qualitative juridical analysis. This article recommends two strategies that Indonesia should take to provide personal data protection, including: 1) establishing the Personal Data Protection Commission (PDPC); and 2) improving the financial literacy of consumers.

Nowadays, customer service in telecommunications companies is often characterized by long waiting times and impersonal responses, leading to customer dissatisfaction, increased complaints, and higher operational costs. This study aims to optimize the customer service process through the implementation of a Generative AI Voicebot, developed using the SCRUMBAN methodology, which comprises seven phases: Objectives, To-Do Tasks, Analysis, Development, Testing, Deployment, and Completion. An experimental design was used with an experimental group and a control group, selecting a representative sample of 30 customer service processes for each evaluated indicator. The results showed a 34.72% reduction in the average time to resolve issues, a 33.12% decrease in service cancellation rates, and a 97% increase in customer satisfaction. The implications of this research suggest that the use of Generative AI In Voicebots can transform support strategies in service companies. In conclusion, the implementation of the Generative AI Voicebot has proven effective in significantly reducing resolution time and markedly increasing customer satisfaction. Future research is recommended to further explore the SCRUMBAN methodology and extend the use of Generative AI Voicebots in various business contexts.