{"id":"W2087251433","doi":"10.1177/0891242408318738","title":"Banking on the Margin in Canada","year":2008,"lang":"en","type":"article","venue":"Economic Development Quarterly","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":30,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Winnipeg","funders":"","keywords":"Unbanked; Disadvantaged; Socioeconomic status; Financial inclusion; Bank account; Low income; Margin (machine learning); Agency (philosophy); Business; Financial services; Economics; Finance; Demographic economics; Economic growth; Payment; Population; Sociology","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0004763285,0.0001470296,0.0002645461,0.001639329,0.00419908,0.002637317,0.0004797955,0.0003574554,0.005135945],"category_scores_gemma":[0.00198332,0.0001337877,0.0003151916,0.004720842,0.0006005469,0.0005695194,0.0009872811,0.0007976887,0.0003679588],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.04966119,"about_ca_system_score_gemma":0.07337262,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9972447,"about_ca_topic_score_gemma":0.9988218,"domain_scores_codex":[0.9990146,0.00003440393,0.00003495458,0.00007630677,0.0004042749,0.0004353415],"domain_scores_gemma":[0.9972973,0.0001025309,0.0003282146,0.00003790338,0.001461601,0.0007723595],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0002290653,0.00007386992,0.842621,0.0001804905,0.00005239441,0.0008865643,0.005023828,0.0006831493,0.0005076965,0.01837541,0.04709201,0.08427452],"study_design_scores_gemma":[0.00001223164,0.00001825449,0.9441038,0.000154399,0.00002540482,0.000149544,0.004239023,0.0005236281,0.0001536365,0.0005797531,0.05001356,0.00002654812],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8979183,0.006423978,0.0002632582,0.008407353,0.0001155047,0.00005249351,0.01190712,0.00004086195,0.07487113],"genre_scores_gemma":[0.9811023,0.003168047,0.0002661089,0.001020678,0.00002359275,0.00001384741,0.002824363,0.00001198586,0.01156915],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.04966119,"threshold_uncertainty_score":0.3603188,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01445386746155092,"score_gpt":0.1686589049768547,"score_spread":0.1542050375153038,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}