Khoong Tai Wai Tunku Abdul Rahman University Of Management And Technology (TAR UMT)
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Addressing escalating Malaysian household debt and digital scam vulnerabilities, RiskTole Go is an edtech gamification engine translating passive financial education into real-time behavioral resilience. Operationalizing the peer-reviewed RiskTole 3.0 Behavioral-Lifecycle Model across four core financial quadrants, the innovation features a dual-modality architecture, combining a 110-card physical deck with a web application engine. It subjects players to dynamic life shocks and simulated scam traps. Paired-samples t-test validation (N=110) demonstrated significant risk literacy gains (t(109) = -13.75, p < 0.001, Cohen’s d = 1.31). Operating at TRL 8 with registered copyright, RiskTole Go is commercially deployed under an IP licensing agreement with BNM-licensed advisory firm.
