PHP Version
5+
$str = 'Hello World!';

// Split the string into segments of 1 character each
$arr1 = str_split($str, 1); 

// Split the string into segments of 3 characters each
$arr2 = str_split($str, 3); 

print_r($arr1);
/*
Output:
Array
(
    [0] => H
    [1] => e
    [2] => l
    [3] => l
    [4] => o
    [5] =>  
    [6] => W
    [7] => o
    [8] => r
    [9] => l
    [10] => d
    [11] => !
)
*/

print_r($arr2);
/*
Output:
Array
(
    [0] => Hel
    [1] => lo 
    [2] => Wor
    [3] => ld!
)
*/
str_split(string $string, int $length = 1): array
$str = 'Hello';
$array = str_split($str);
$reversed_array = array_reverse($array);
$reversed_string = implode('', $reversed_array);

echo $reversed_string; // Output: 'olleH'
$data = '123-45-6789'; // Example: Social Security Number (SSN)
$array = str_split($data);
$array_length = count($array);

// Mask characters starting from the 4th index with '*'
for ($i = 4; $i < $array_length; $i++) {
    // Skip hyphen for a more natural masked look
    if ($array[$i] !== '-') {
        $array[$i] = '*';
    }
}

$masked_data = implode('', $array);
echo $masked_data; // Output: '123-**-****'