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Angkor Times
Angkor TimesExperienced
Asked: May 30, 2025In: , ,

In today’s digital age, Artificial Intelligence (AI) is no longer just a futuristic concept—it’s becoming a powerful engine of change, especially in Cambodia’s financial landscape. For students and professionals in finance, it’s crucial to understand how AI is revolutionizing the ...Read more

In today’s digital age, Artificial Intelligence (AI) is no longer just a futuristic concept—it’s becoming a powerful engine of change, especially in Cambodia’s financial landscape. For students and professionals in finance, it’s crucial to understand how AI is revolutionizing the way money moves, risks are evaluated, and services are delivered.

How AI is Transforming Access to Finance in Cambodia?
How AI is Transforming Access to Finance in Cambodia?

AI has found a solid foothold in Cambodia, quietly but steadily becoming a game-changer in the financial sector. While international banks may dominate headlines, it’s within local microfinance institutions (MFIs) and small businesses that AI is making its most profound impact.

Supporting the Core of Cambodia’s Economy

Small and medium enterprises (SMEs) and microfinance institutions are the economic backbone of Cambodia. These organizations provide jobs, support local development, and power rural livelihoods. As Cambodia moves deeper into the digital era, AI is emerging as a key ally, helping expand financial access and protecting the systems that support this essential ecosystem.

Why Cambodia Should Embrace AI in Finance?

AI uses smart algorithms to detect patterns in data, allowing for faster and more accurate decision-making. In finance, this means improved capabilities in risk assessment, fraud detection, loan approvals, and customer service personalization.

One of the biggest challenges in Cambodia’s financial sector is accessibility. A large portion of the population, including small entrepreneurs, lacks formal credit histories. Many don’t possess traditional documentation like payslips or land titles, making it difficult to secure loans.

This is where AI shines. Instead of relying solely on conventional credit scores, AI leverages alternative data—like mobile phone usage, electricity payments, online sales, and mobile wallet activity—to create a financial profile. These insights enable financial institutions to make informed lending decisions, even for those without any borrowing history.

Take, for instance, a small grocery store owner in Siem Reap. She may never have taken out a loan, but she regularly uses mobile money and frequently tops up her mobile balance. Using AI, a lender can evaluate her digital footprint and classify her as a low-risk borrower. Thanks to this insight, she can now access financing to grow her business—an opportunity that would have been out of reach just a few years ago.

Beyond eligibility, AI also accelerates the lending process. Tasks that once took several days can now be completed in minutes. For small business owners, that kind of speed can be transformative.

AI as a Constant Digital Guardian

With the rise in digital payments in Cambodia comes an increase in cybercrime. Scams, phishing attacks, and fraudulent loans are on the rise. AI plays a vital role as an ever-vigilant digital watchdog.

AI-driven systems monitor financial transactions around the clock. They flag suspicious behavior—such as unusually large transfers at odd hours or login attempts from unrecognized devices. These intelligent systems can prevent fraud before it causes harm.

AI also predicts potential cyber threats, giving banks and MFIs the ability to reinforce their cybersecurity measures proactively. This layer of invisible protection is especially important in a country where digital literacy is still evolving.

Think of AI as a tireless security guard—always alert, always protecting your financial assets.

Smarter, More Personalized Financial Services

AI’s benefits go beyond fraud prevention and loan processing. It allows financial institutions to better understand and serve their customers.

AI can help tailor financial services—such as creating custom savings plans or designing loan repayment schedules aligned with business cycles. For instance, a rice farmer in Takeo might receive a repayment schedule that aligns with the harvest season. A new borrower might get a smaller loan with a lower interest rate to help build their credit history gradually.

Customer support is also becoming more efficient thanks to AI-powered chatbots. These tools can answer questions in real-time—whether it’s checking your balance, inquiring about interest rates, or resetting a password. This round-the-clock accessibility reduces wait times and makes banking more convenient.

In addition, some fintech apps now use AI to offer basic financial literacy lessons, helping young Cambodians understand budgeting, saving, and debt management.

The Challenges We Must Address

Despite its many benefits, AI isn’t without its challenges. If data fed into AI systems is biased, incomplete, or incorrect, it can lead to unfair decisions—like rejecting a loan without a clear reason. This is known as the “black box” problem, where AI decisions lack transparency.

Moreover, developing a skilled workforce capable of managing and innovating with AI technology remains a hurdle for Cambodia. The country must invest in AI education and training to build local expertise and ensure the technology is used ethically and effectively.

Evidence of AI’s Growing Role in Cambodian Finance

Cambodia’s financial sector is already experiencing the real-world benefits of AI. Major institutions are adopting the technology:

  • Wing Bank is exploring AI for fraud detection and personalized customer engagement.
  • ACLEDA Bank has introduced automated risk profiling to make smarter loan decisions.
  • Several microfinance institutions are now piloting AI chatbots that communicate in Khmer, making digital banking services more inclusive.

Fintech startups are also leveraging AI to offer instant loans to online sellers, using real-time sales data to assess creditworthiness. These innovations not only streamline business operations but also build trust and financial inclusion.

“AI is not just a tool for the future—it’s already making Cambodian finance more intelligent, inclusive, and secure,” says the author, Director of Macro Computing Solutions Co Ltd. With nearly two decades of experience across India, Singapore, France, and Cambodia, he collaborates with banks, MFIs, and development agencies on technology-led financial transformation.

Final Thoughts

Cambodia’s journey toward digital finance is no longer a distant dream—it’s unfolding now, powered by Artificial Intelligence. From improving access to capital for underserved communities to securing digital transactions and tailoring financial products, AI is helping to build a more inclusive and efficient financial system.

As Cambodia continues to embrace innovation, AI will be at the heart of shaping a smarter, safer, and more accessible financial future. The key now is to scale this impact responsibly, ensuring everyone can benefit from the technology—regardless of their background or income level.

What do you think about the rise of AI in Cambodia’s financial system? Share your thoughts and experiences in the comments below!

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Angkor Times
Angkor TimesExperienced
Asked: May 30, 2025In:

In an interview aired on CBS’ “60 Minutes” on Sunday, the 75-year-old pioneer of deep learning suggested that rapidly evolving AI systems could outsmart humans within just five years. “One of the ways these systems might escape control ...Read more

In an interview aired on CBS’ “60 Minutes” on Sunday, the 75-year-old pioneer of deep learning suggested that rapidly evolving AI systems could outsmart humans within just five years. “One of the ways these systems might escape control is by writing their own computer code to modify themselves,” Hinton said. “And that’s something we need to seriously worry about.”

Geoffrey Hinton, renowned as a “Godfather of AI,” has issued a stark warning: if not carefully managed, artificial intelligence could eventually surpass human control by modifying its own programming.

Hinton, a co-winner of the 2018 Turing Award for his groundbreaking work on neural networks, stepped down from his position as a vice president and engineering fellow at Google earlier this year. His decision was driven by a desire to speak openly about the dangers that advanced AI may pose.

Can AI Break Free from Human Control by Rewriting Its Own Code?
Artificial intelligence pioneer Geoffrey Hinton speaks at the Thomson Reuters Financial and Risk Summit in Toronto, December 4, 2017.Mark Blinch | Reuters

He emphasized a critical concern within the AI research community: even the experts who created these systems don’t fully grasp how they function or evolve. “When this learning algorithm then interacts with data, it produces complicated neural networks that are good at doing things,” Hinton explained. “But we don’t really understand exactly how they do those things.” This lack of understanding is often referred to as AI’s “black box” problem — a term used by Google CEO Sundar Pichai in April.

While Hinton’s alarm has caught public attention, not all AI experts share his concern. Fellow Turing Award winner and AI pioneer Yann LeCun has dismissed such warnings, calling the idea that AI could overpower humanity “preposterously ridiculous.” LeCun believes humans will always be able to shut down technologies that pose a risk.

Still, Hinton remains wary. He acknowledged that AI has already brought significant benefits in fields like health care, but he stressed the darker side of the technology as well — particularly its role in spreading misinformation through fake images and videos online.

To address these challenges, Hinton is calling for intensified research into how AI systems operate, regulatory frameworks to govern their use, and global agreements to ban AI-controlled military weapons.

His views echo recent discussions on Capitol Hill, where top tech leaders — including Elon Musk, Sundar Pichai, Sam Altman of OpenAI, and Mark Zuckerberg of Meta — explored ways to balance innovation with safety-focused regulations.

Whatever path governments and companies choose, Hinton warns time is of the essence. “Humanity is likely at a kind of turning point,” he said, urging leaders to decide “whether to develop these things further and what to do to protect themselves if they [do].”

In the end, Hinton’s outlook remains cautious: “I think my main message is there’s enormous uncertainty about what’s going to happen next.”

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aalan
Angkor Times
Angkor TimesExperienced
Asked: May 28, 2025In:

The State of Cambodia’s Microfinance Sector in 2025: Reform, Resilience, and Responsibility. As of 2025, Cambodia’s microfinance sector stands at a critical crossroad—balancing the momentum of growth with the necessity for reform. A once-unchecked expansion is now undergoing a thoughtful recalibration, ...Read more

The State of Cambodia’s Microfinance Sector in 2025: Reform, Resilience, and Responsibility.

As of 2025, Cambodia’s microfinance sector stands at a critical crossroad—balancing the momentum of growth with the necessity for reform. A once-unchecked expansion is now undergoing a thoughtful recalibration, driven by calls for responsible lending, borrower protection, and inclusive financial development. This evolution, spearheaded by the National Bank of Cambodia (NBC), the United Nations (UN), and domestic stakeholders such as the Cambodia Microfinance Association (CMA), marks a defining moment in the trajectory of financial empowerment for millions of Cambodians.

Is Cambodia’s Microfinance Sector on the Right Track in 2025?
Is Cambodia’s Microfinance Sector on the Right Track in 2025?

Microfinance in Cambodia: A Rapidly Evolving Landscape

Microfinance has long been a cornerstone of Cambodia’s financial ecosystem, particularly for the rural poor and small business owners. Originating from grassroots lending initiatives in the 1990s, the sector has since grown into a formidable industry. By the first quarter of 2025, Cambodia’s microfinance institutions (MFIs) had issued over $5.37 billion in loans, serving more than 1.5 million borrowers, according to the latest data from the CMA. However, this growth has come with significant challenges—most notably, a rising rate of over-indebtedness and concerns about unsustainable lending practices.

Read more: What Does Real Estate Investment in Cambodia Look Like in 2025?

The Portfolio at Risk over 30 days (PAR+30) reached 9.5 percent, reflecting an increase of 1.3 percentage points compared to the previous quarter. While the sector remains broadly stable, this figure has drawn attention to the need for improved credit assessments and risk management.

Reforms Led by NBC and the UN: A Sector Under Transformation

In response to these challenges, the NBC and the United Nations launched a transformative initiative in November 2023—a multi-stakeholder consultation process aimed at restructuring the microfinance sector. This collaborative effort brought together over 100 participants from across government, financial institutions, civil society, and development organizations.

The goal: implement 22 priority actions to ensure financial services are not only accessible but also ethical, inclusive, and protective of borrower interests. By January 2025, four of these actions had been completed, fifteen were in progress, and three had just begun. The key focus areas include:

  • Regulation and Supervision: Enhancing the regulatory framework to enforce responsible lending practices.
  • Borrower Assistance: Providing tools and services to help borrowers better understand and manage debt.
  • Technology Integration: Promoting the use of digital tools to expand outreach and improve transparency.
  • Informal Lending Challenges: Curbing unregulated lending through improved enforcement and local engagement.
  • Agricultural Risk Insurance: Developing insurance schemes to protect rural livelihoods, especially in climate-sensitive regions.

A Spotlight on Responsible Lending and Consumer Protection

One of the most notable reform efforts is the prohibition of using Indigenous Communal Land Titles (ICLTs) as collateral. This move is a direct response to widespread concerns about land-related financial distress, particularly among indigenous communities. By removing ICLTs from the lending ecosystem, the NBC and CMA aim to prevent forced land sales and dispossession due to default.

Moreover, the CMA, under the leadership of Chairwoman Dith Nita, has doubled down on its mission to protect borrowers. “We recognise the challenges borrowers face and are actively working to improve lending practices and strengthen consumer protections,” she stated. The CMA is advancing financial literacy programmes such as the Safe Community Finance Project, with special attention given to women and rural populations.

Growth Amid Reform: Lending, Deposits, and Economic Impact

Despite tightening regulatory conditions, the microfinance sector continues to grow. In Q1 2025:

  • Total loan volume rose by 4.1% compared to the previous quarter.
  • Deposits climbed to $2.78 billion, reflecting a 9.6% increase.
  • Interestingly, the number of depositors fell by 8.8%, indicating a shift in consumer behavior that may relate to macroeconomic conditions or evolving trust dynamics within financial institutions.

Read more: Why Are These 4 Provinces Emerging as Cambodia’s Next Industrial Hubs?

Loans were largely concentrated in:

  • Household consumption (32.8%)
  • Agriculture (20.8%)
  • Trade and commerce (20.1%)
  • Services, construction, transportation, and manufacturing (collectively ~25%)

These figures show that while MFIs have diversified, they still cater heavily to basic livelihood and small-scale business needs—a reflection of Cambodia’s socio-economic structure, where micro, small, and medium enterprises (MSMEs) dominate.

Partnerships and Innovation: Enabling Sustainable Financial Inclusion

The microfinance ecosystem is also being strengthened through institutional partnerships. The CMA and the Cambodia Credit Guarantee Corporation (CGCC) signed an MoU to foster financial inclusion, specifically targeting MSMEs.

This partnership focuses on:

  • Capacity development
  • Digital financial services
  • Financial literacy

The CGCC’s role in reducing collateral burdens has made a significant impact, especially for first-time entrepreneurs without traditional assets. Additionally, many MFIs are now aligning with state-driven initiatives, such as those led by the SME Bank, to provide guaranteed loans and subsidized interest rates.

Expert Insight: The Voice of the CMA

Speaking to Khmer Times, Kaing Tongngy, spokesman for the CMA, underscored the importance of microfinance in supporting local businesses. “Cambodia has a high concentration of micro-enterprises, which are essential drivers of employment and local economic activity,” he said.

Tongngy also noted the evolution of MFIs from basic lending institutions to more sophisticated entities offering diversified services, from mobile banking to financial education. However, he stressed that credit quality and customer protection must now take center stage to safeguard the sector’s sustainability.

Integration with the Broader Banking Sector

Cambodia’s banking sector, which includes both commercial banks and MFIs, has shown impressive resilience.

NBC Deputy Governor Rath Sovannorak reported that by February 2025, total bank assets reached $94.6 billion, up 7.7% year-on-year.

MFIs, in particular, showcased strong fundamentals:

  • Capital Adequacy Ratio: 25.8%
  • Liquidity Coverage Ratio: Over 188%

This stability underscores the microfinance sector’s growing synergy with mainstream banking. MFIs are no longer peripheral players—they are integral components of the country’s financial architecture.

Challenges Ahead: Over-Indebtedness and the Risk of Financial Exclusion

Despite the gains, challenges persist. The rise in PAR+30, the drop in depositors, and continued informal lending all signal vulnerabilities that require urgent attention.

Read more: What’re the Key Cambodia’s Foreign Policies? Here’re What You Need to Know

One major concern is over-indebtedness. Multiple loans from different institutions, often taken to repay older debts, have placed borrowers—particularly in rural and low-income areas—under severe financial stress. Without robust credit-sharing databases and stronger enforcement mechanisms, the risk of systemic instability could grow.

The Road Ahead: Collaboration and Collective Responsibility

The sector’s transformation hinges on collective responsibility. The CMA has urged investors, regulators, NGOs, and the private sector to coordinate efforts.

As Mrs. Dith Nita put it: “Together with our partners, we are working to build a financial sector that is inclusive and offers meaningful opportunities for Cambodia’s most vulnerable populations.”

These reforms are not merely regulatory checkboxes—they represent a paradigm shift in how financial services are designed, delivered, and consumed in Cambodia.

A Sector Poised for Inclusive Growth

In 2025, Cambodia’s microfinance sector finds itself at the intersection of progress and prudence. While the sector continues to expand in terms of reach and volume, the emphasis is now clearly on sustainable growth, consumer protection, and financial education.

Through the combined efforts of the NBC, UN, CMA, and financial institutions, microfinance is being reshaped into a tool not only for economic empowerment but also for social equity and long-term stability.

Read more: What Makes Koh Kong a Prime Location for Foreign Investors?

The reforms underway will likely serve as a model for other developing nations, where rapid financial inclusion must be tempered with safeguards to protect the most vulnerable.

As Cambodia advances in building a stronger and more responsible microfinance ecosystem, your voice matters. Whether you’re a borrower, lender, policymaker, or simply an observer, your insights can help shape the future of inclusive finance in Cambodia.

What do you think about the reforms in the microfinance sector? Are they enough to protect borrowers and promote real growth? Share your thoughts in the comments or reach out to us. Let’s make finance work for everyone.

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Angkor Times
Angkor TimesExperienced
Asked: May 27, 2025In:

The Love That Gave Birth to a Kingdom: The Legend of Preah Thong and Neang Neak! Cambodia is a land of ancient temples, sacred traditions, and deeply rooted legends that have been passed down through generations. Among the most powerful and ...Read more

The Love That Gave Birth to a Kingdom: The Legend of Preah Thong and Neang Neak!

Cambodia is a land of ancient temples, sacred traditions, and deeply rooted legends that have been passed down through generations. Among the most powerful and symbolic tales is the legendary love story of Preah Thong and Neang Neak, a myth that intertwines romance, cultural identity, and the mystical origin of a kingdom. This epic saga is more than folklore, it is the foundation of Khmer civilization, still vividly alive in the arts, architecture, and ceremonies of modern Cambodia.

How Did the Love Between Preah Thong and Neang Neak Give Birth to the Cambodian Kingdom?
What Cultural Symbols and Traditions Originated from the Legend of Preah Thong and Neang Neak?

The Island of Kouk Thlouk: Birthplace of the Legend

Long before the great Khmer Empire, before Angkor Wat was built, there existed a mystical island known as Kouk Thlouk, or the “Land of the Thlouk Tree.” This was not an ordinary island. According to ancient legend, it was inhabited by the Naga people, mythical serpentine beings who could shape-shift into humans. The Nagas were revered as protectors of water, fertility, and the land.

Read more: Is It a Good Idea to Offer a Khmer Traditional Clothes Rental Service at Angkor Wat?

One moonlit evening, Princess Soma, the daughter of the powerful Naga King, led her entourage of Naga women to the island for a sacred ritual dance. At that very moment, a foreign prince from India named Kaundinya—later known in Khmer as Preah Thong, arrived with his fleet, having journeyed across the seas in search of new lands and purpose.

Love at First Sight: The Divine Encounter

As fate would have it, Prince Kaundinya was immediately struck by Princess Soma’s otherworldly beauty. Enchanted by her grace and elegance as she danced beneath the stars, he knew that he had found his destined partner. Determined to marry her, Kaundinya approached the princess with respect and love.

Soma agreed to the union, but insisted that her father, the Naga King, must approve. What followed was a test of courage and devotion unlike any other Kaundinya was required to descend into the underwater palace of the Naga King, guided by holding the tail of Soma’s serpent form. The journey was perilous, a descent not only into the sea but into a realm between the mortal and divine.

Impressed by Kaundinya’s bravery and sincere intentions, the Naga King gave his blessing. As a wedding gift to the newlyweds, he magically expanded the island by pushing back the sea, giving birth to new land that would one day become Cambodia.

A Union that Founded a Nation

This symbolic union between Preah Thong and Neang Neak is said to mark the origin of the Khmer people. Their marriage was not just a royal love story, it represented the merging of two civilizations: Indian influence, brought by Kaundinya through Hinduism, governance, and Sanskrit; and the indigenous spirit of the Naga, deeply tied to Cambodia’s land, water, and ancestry.

Today, this union is still honored in Khmer wedding ceremonies, where the groom symbolically holds the bride’s scarf or skirt, a gesture derived from the moment Kaundinya held Soma’s tail. It signifies respect for the bride and her family, and affirms the woman’s role as a central figure in the household a value deeply ingrained in Cambodian culture.

The Naga: A Sacred Symbol of Unity and Protection

The Naga serpent plays a central role in Cambodian spiritual and cultural life. As both a mythical creature and a protective deity, the Naga is believed to control the waters, guard sacred sites, and bring prosperity.

Read more: For the Love of Khmer Food

At the Angkor Wat temple complex, visitors will notice rows of Naga balustrades seven-headed serpents that guard the entrances and bridges, symbolizing the eternal connection between heaven and earth. Naga imagery is also found in modern national identity. For example, the logo of the 32nd SEA Games in Cambodia prominently features a coiled Naga, showcasing the serpent as a guardian of the nation’s health, unity, and diversity.

Each coil in the SEA Games logo is colored differently green, red, yellow, and blue, representing not only the Cambodian flag but also the harmony among the countries of Southeast Asia. At the center of the coils lies Angkor Wat, representing Cambodia’s spiritual heart and its golden age.

Where Legend Meets History: Funan and Indian Influence

Though steeped in mythology, the legend of Preah Thong and Neang Neak may contain historical truths. Chinese chronicles from the 3rd century CE mention a kingdom named Funan, located in what is now southern Cambodia. According to the Book of Liang, a Chinese historical text, a Brahmin prince named Hun Tian, widely accepted as a Chinese transliteration of Kaundinya, arrived by sea and married a local queen named Liuye, often interpreted as Princess Soma.

Archaeological findings in the ancient city of Oc Eo (modern-day Vietnam, formerly part of Funan) support these accounts. These discoveries reveal Indian artifacts, inscriptions in Sanskrit, and early Hindu-Buddhist iconography, suggesting a strong influence of Indian civilization in shaping Funan’s political and cultural development.

In this context, the legend of Preah Thong and Neang Neak reflects a symbolic explanation for the real Indo-Khmer fusion that birthed early Cambodian civilization.

Preserving the Tale through Dance, Art, and Statues

The tale of Preah Thong and Neang Neak is not confined to books or oral storytelling, it lives and breathes through Khmer classical dance, temple carvings, and modern monuments. Perhaps the most mesmerizing way to witness this story is through a performance by the Royal Ballet of Cambodia, a UNESCO-recognized intangible cultural heritage.

In their performances, elaborately dressed dancers enact the fateful meeting, romance, and underwater journey of the legendary couple. Every gesture and movement is infused with centuries-old symbolism, drawing the audience into a world where myth and reality intertwine.

In Sihanoukville, along the coast of southern Cambodia, a stunning statue of Preah Thong and Neang Neak rises majestically. The sculpture captures the pivotal moment where Preah Thong holds the tail of Neang Neak’s serpent form forever memorializing the founding myth of the Khmer people. This iconic monument has become a symbol of love, courage, and unity.

Tracing the Footsteps of the Legend

For travelers and locals alike, the legend of Preah Thong and Neang Neak offers a unique opportunity to explore Cambodia’s cultural soul.

  • Visit Angkor Wat, and look closely at the Naga balustrades that guard the pathways.
  • Explore the National Museum of Cambodia, where relics and carvings reflect the Hindu-Buddhist legacy brought by Preah Thong.
  • Witness a Royal Ballet performance in Phnom Penh or Siem Reap to see the story brought to life.
  • Admire the statue in Sihanoukville, a modern homage to an ancient legend.
  • Attend a Khmer wedding, and observe the ritual gestures that connect present generations to their mythic past.

These experiences reveal how the legend is woven into daily life, forming a living bridge between Cambodia’s ancient past and vibrant present.

A Love Story that Lives On

The story of Preah Thong and Neang Neak is more than a romantic legend it is the foundation of Khmer identity, a tale of cross-cultural union, respect, and the mystical origins of a kingdom that continues to thrive today.

Their story teaches timeless lessons: the strength of love to unite different worlds, the importance of cultural fusion in shaping identity, and the enduring value of courage and respect. As Cambodia continues to grow and modernize, it carries forward this legend not just in memory, but in spirit, ceremony, and symbol.

Whether you are a historian, traveler, or dreamer, the story of Preah Thong and Neang Neak invites you to see Cambodia not just as a place on the map, but as a mythical land born from love, enriched by heritage, and guarded by sacred serpents.

What Do You Think About the Legend of Preah Thong and Neang Neak?

Have you encountered this story in Cambodia or abroad? What parts of the legend speak to you the most? Share your thoughts, experiences, or questions in the comments, we’d love to hear how this powerful story resonates with you.

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Angkor Times
Angkor TimesExperienced
Asked: May 23, 2025In:

Discover the CHAKRA STEM App: Empowering a Cleaner, Greener, and More Sustainable Cambodia! Overview of the App Name of App: CHAKRA STEM App Initial Concept: To promote clean, green, and sustainable development in Cambodia through environmental education, digital data tracking, and ...Read more

Discover the CHAKRA STEM App: Empowering a Cleaner, Greener, and More Sustainable Cambodia!

Overview of the App

  • Name of App: CHAKRA STEM App
  • Initial Concept: To promote clean, green, and sustainable development in Cambodia through environmental education, digital data tracking, and innovative STEM-based solutions.
  • Date of Development: Officially launched in May 2025
  • Developed by: STEM Education Organisation for Cambodia
  • Managed by: Ministry of Environment, Cambodia
  • Features: Tree-planting tracking, carbon emission calculation, waste management tools, STEM learning modules, environmental monitoring, prototype creation tools
  • Who is the App for? Students, educators, youth groups, environmentalists, government bodies, and the general public interested in sustainability and environmental protection

MoE Launches Digital Tools to Promote Sustainable Cambodia

In a bold stride toward a greener and smarter Cambodia, the Ministry of Environment (MoE) has unveiled a new digital innovation: the CHAKRA STEM App. This launch, aligned with the Kingdom’s broader transformation agenda, signifies the Ministry’s deepening commitment to integrate technology with environmental conservation. At a well-attended launch ceremony led by Minister of Environment Eang Sophalleth, the app was introduced as a cornerstone of Cambodia’s evolving digital ecosystem, aimed at fostering eco-consciousness, education, and sustainable development among Cambodian youth and society.

What is the CHAKRA STEM App for? Cambodia’s Digital Tool for a Greener Future
What is the CHAKRA STEM App for? Cambodia’s Digital Tool for a Greener Future

This digital milestone is part of the second phase of the MoE’s e-Administration system, a strategy designed not just for operational efficiency, but also to fulfill the country’s Pentagonal Strategy-Phase 1. This five-point national roadmap emphasizes People, Roads, Water, Electricity, and Technology—visionary themes laid out by Prime Minister Hun Manet. The CHAKRA STEM App falls squarely within the Technology and People pillars, offering a unique platform that empowers users to participate in environmental conservation while acquiring 21st-century skills.

Purpose and Vision Behind the CHAKRA STEM App

At its heart, the CHAKRA STEM App was created with a dual mission: to protect Cambodia’s natural environment and to educate its people—especially the younger generations—on the importance of sustainability. Minister Sophalleth highlighted the broader implications of this initiative, noting that it aims to digitize environmental planning by enabling users to manage and monitor activities such as tree planting, carbon tracking, and waste management via a centralized, user-friendly mobile platform.

This transformation from paper-based processes to smart digital workflows is not just about speed—it’s about transparency, accountability, and precision. With built-in features like geo-tagging for tree planting, automated carbon level estimations, and digital reports on plastic waste collection, the CHAKRA STEM App allows users and government agencies alike to visualize and measure the real-time environmental impact of their actions.

Read more: What is DG SuperApp?

A New Chapter for STEM and Environment in Cambodia

The collaboration between the Ministry of Environment and the STEM Education Organisation for Cambodia—formalized during the launch through a Memorandum of Understanding (MoU)—is what truly sets the CHAKRA STEM App apart. Representing the ministry, Undersecretary of State Mao Soveng signed the agreement alongside Executive Director of STEM Cambodia, Eang Nithijounie Dene, in a show of shared commitment to innovation and sustainability.

With 18 years of experience in science, technology, engineering, and mathematics (STEM) education, the STEM Education Organisation has long prioritized environmental applications of technology. The CHAKRA STEM App is a natural evolution of this vision—a digital toolkit that blends scientific knowledge, civic responsibility, and practical innovation.

Dene emphasized the significance of this partnership, calling it a “meaningful step forward” in securing a sustainable Cambodia. She noted that the app will not only improve resource management but also serve as an interactive classroom for young Cambodians, where they can learn by doing—planting trees, developing sensors, analyzing environmental data, and even coding their own solutions to local environmental challenges.

Key Features and Functionalities of the CHAKRA STEM App

The CHAKRA STEM App is more than just an educational tool—it’s a dynamic platform for environmental action. Some of its standout features include:

  • Tree Planting Tracker: Users can record tree planting activities with GPS location tagging. The app keeps track of tree growth, species planted, and the individuals or groups involved.
  • Carbon Emission Calculator: The app uses growth data from planted trees to estimate carbon offset contributions over time, helping Cambodia on its path to carbon neutrality.
  • Plastic Waste Management Tools: Users can report and track plastic waste collection, recycling efforts, and cleanup activities in their communities.
  • STEM Learning Modules: Interactive content and challenges for students to learn about environmental science, engineering practices, and technological innovation.
  • Prototype Builder: Encourages young users to design solutions such as pollution sensors or smart irrigation systems using accessible coding and engineering tools.
  • Research and Data Analytics Hub: Enables environmental researchers and students to collect and analyze local data for scientific studies or school projects.

Read more: Why Does Angkor Wat Top Agoda’s ‘Must-Visit’ ASEAN Temples List?

Empowering Youth and Communities

One of the most powerful aspects of the CHAKRA STEM App is its focus on people, especially Cambodia’s youth, who are seen as critical drivers of change. Through hands-on training and interactive activities, the app is designed to cultivate digital literacy and environmental stewardship simultaneously.

According to Minister Sophalleth, the program encourages “training students and youth in technological knowledge and innovative skills that can be practically applied to address environmental challenges.” These challenges include deforestation, climate change, urban waste, and declining biodiversity—issues that Cambodia, like many nations, must confront head-on.

By equipping the next generation with the tools to understand and act upon these challenges, the CHAKRA STEM App becomes more than a mobile application—it becomes a movement for digital environmentalism.

Promoting Research, Innovation, and Accountability

In addition to its educational goals, the CHAKRA STEM App has significant implications for Cambodia’s environmental research and governance. The centralized data collected through the app allows policymakers and researchers to track national progress toward sustainability goals with unprecedented accuracy. This digital repository will serve as a valuable source of environmental intelligence, guiding future decisions about forest management, urban planning, and climate resilience.

Read more: “Visit Angkor” Mobile App! Who Should Use it?

Moreover, by reducing paperwork and automating data collection, the app improves transparency and reduces bureaucratic delays, reinforcing Cambodia’s larger push toward smart governance under its Pentagonal Strategy.

A Future-Proof Vision for a Greener Cambodia

The launch of the CHAKRA STEM App is not a standalone achievement—it is part of a broader digital ecosystem that the Ministry of Environment is constructing to address Cambodia’s pressing ecological needs. It reflects a growing recognition that technology and sustainability must go hand-in-hand in today’s world, and that empowering communities through education and innovation is the key to long-term success.

As Cambodia continues its journey toward sustainable development, the CHAKRA STEM App stands out as a beacon of hope and progress. It offers a scalable, replicable model that other ministries, educational institutions, and even neighboring countries may look to for inspiration.

Technology with a Purpose

In a world facing climate crises and environmental degradation, the CHAKRA STEM App provides a fresh and practical approach to solving problems at the intersection of education, technology, and ecology. It showcases what’s possible when government, civil society, and youth work together under a shared vision.

The mobile apps are downloadable through: Andriod & IOS

By digitizing Cambodia’s path to sustainability, the Ministry of Environment is not only streamlining operations—it’s mobilizing a nation. And with the CHAKRA STEM App in hand, Cambodia’s future environmental leaders are being empowered to code, plant, calculate, analyze, and innovate their way toward a cleaner, greener, and smarter Kingdom.

📢 What do you think about this initiative? Would you or your school use the CHAKRA STEM App to support environmental action? Let us know in the comments or reach out to the Ministry of Environment to get involved!

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