PR295: 3KAT (KLIK KOS KALKULATOR ALIRAN TUNAI)

DR RADZIAH BINTI MOHD DANI POLITEKNIK MUADZAM SHAH

3KAT (Klik Kos Kalkulator Aliran Tunai) is a powerful digital tool that uses smart automation to help micro-entrepreneurs and individuals make better financial decisions and manage their cash flow effectively. The mobile app offers a complete financial management solution, including structured cost classification, real-time cash flow statistics, and IR4.0-compliant decision-support tools. Its distinguishing characteristic is that it integrates essential accounting and financial management ideas into an approachable solution for non-accounting professionals. The concept has enormous marketing potential in the SME, community, and education sectors. Academically, it improves practical financial literacy instruction. 3KAT helps people, enhances equitable economic participation, and promotes long-term national economic growth in line with SDGs 1 (No Poverty), 4 (Quality Education), and 8 (Decent Work and Economic Opportunities).