We have maintained the customer grade system that is being implemented to customers with excellent performance through customer segmentation for years. Currently, financial institutions that operate the customer grade system provide similar services based on the score calculation criteria, but the score calculation criteria vary from the financial…

The emergence of online learning has sparked increased interest in predicting learners' academic performance to enhance teaching effectiveness and personalized learning. In this context, we propose a complex model APPMLT-CBT which aims to predict learners' performance in online learning settings. This systemic model integrates cognitive, social,…

Systematic classroom observation is often used in evaluating and enhancing the quality of classroom instruction. However, classroom observation can potentially suffer from human bias. In addition, the traditional classroom observation is too expensive for resource-constrained environments (e.g., Sub-Saharan Africa, South and Central Asia). A…

The quality of writing in a second language (L2) is one of the indicators of the level of proficiency for many college students to be eligible for departmental studies. Although certain software programs, such as Intelligent Essay Assessor or IntelliMetric, have been introduced to evaluate second-language writing quality, an overall assessment of…

The digital transformation in educational assessment has led to the proliferation of large-scale data, offering unprecedented opportunities to enhance language learning, and testing through machine learning (ML) techniques. Drawing on the extensive data generated by online English language assessments, this dissertation investigates the efficacy…