{"id":"W2470911944","doi":"10.1590/s0034-759020160302","title":"IMPROVING FINANCIAL INCLUSION: TOWARDS A CRITICAL FINANCIAL EDUCATION FRAMEWORK","year":2016,"lang":"en","type":"article","venue":"Revista de Administração de Empresas","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":47,"is_retracted":false,"has_abstract":true,"ca_institutions":"HEC Montréal","funders":"Conselho Nacional de Desenvolvimento Científico e Tecnológico; Social Sciences and Humanities Research Council of Canada; International Development Research Centre","keywords":"Financial inclusion; Socioeconomic status; Financial services; Information and Communications Technology; Business; Empirical research; Inclusion (mineral); Financial literacy; ICTS; Finance; Economic growth; Economics; Political science; Sociology; Social science","routes":{"ca_aff":true,"ca_fund":true,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow","insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.001169446,0.0003833789,0.0006612015,0.0002314387,0.0007484557,0.0001769157,0.0007034478,0.0006338556,0.0009424228],"category_scores_gemma":[0.007282442,0.0003793869,0.0003159996,0.0004185826,0.0002106139,0.0004218022,0.000797789,0.0004497367,0.0005315611],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0006725737,"about_ca_system_score_gemma":0.00192299,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0002351982,"about_ca_topic_score_gemma":0.00001655822,"domain_scores_codex":[0.9969534,0.00006170647,0.001057345,0.0008532155,0.0001257111,0.000948647],"domain_scores_gemma":[0.9981417,0.0002135381,0.0004141527,0.0007538149,0.0001205875,0.0003562228],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"not_applicable","study_design_scores_codex":[0.000120766,0.0003621817,0.006729585,0.0001950755,0.00000844696,0.00007145134,0.0007924351,3.553023e-7,0.002525778,0.8451623,0.008363462,0.1356681],"study_design_scores_gemma":[0.000654643,0.0003852471,0.02773878,0.0008107083,0.00003033476,0.0001312331,0.0000360314,0.00006996682,0.002836108,0.3405684,0.6257114,0.00102709],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.559871,0.01467476,0.398999,0.009780775,0.002358306,0.0008194704,0.000671825,0.0002784915,0.01254648],"genre_scores_gemma":[0.9814891,0.0006711218,0.01249539,0.002219605,0.001580932,0.0001068963,0.0000142434,0.0000634117,0.001359313],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.617348,"threshold_uncertainty_score":0.9999709,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02296241243770581,"score_gpt":0.2874113867753949,"score_spread":0.264448974337689,"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."}}