{"id":"W2807926272","doi":"10.5539/ibr.v11n7p120","title":"Identification of Barriers to Financial Inclusion Among Youth","year":2018,"lang":"en","type":"article","venue":"International Business Research","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":5,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Federalno Ministarstvo Obrazovanja i Nauke","keywords":"Financial inclusion; Unbanked; Debit card; Credit card; Financial services; Financial institution; Identification (biology); Bank account; Business; Inclusion (mineral); Institution; Financial literacy; Independence (probability theory); Financial independence; Financial system; Finance; Payment; Economics; Accounting; Political science; Psychology","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001290001,0.0002061913,0.0003676052,0.001202246,0.001403493,0.001689844,0.0004927863,0.000470574,0.002964435],"category_scores_gemma":[0.005015155,0.0001958167,0.0004635712,0.0009009135,0.0005988063,0.0008948304,0.001649143,0.0007840171,0.0001872733],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0009697663,"about_ca_system_score_gemma":0.001572807,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.02331201,"about_ca_topic_score_gemma":0.02464291,"domain_scores_codex":[0.9987049,0.0002876946,0.0001048569,0.00009658237,0.0002248897,0.0005809795],"domain_scores_gemma":[0.9977884,0.0004402435,0.000816097,0.00006365949,0.0002931089,0.0005984558],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"qualitative","study_design_scores_codex":[0.00002829994,0.00008723831,0.9803513,0.00004465788,0.00001354773,0.0002139708,0.01065088,0.00001599036,0.0001017705,0.0002952664,0.0002848348,0.007912311],"study_design_scores_gemma":[0.000002633788,0.00007063599,0.953472,0.000159546,0.00001940009,0.0002682323,0.04412479,0.0001345582,0.0001194784,0.0001897605,0.00143012,0.00000895483],"study_design_candidate":"qualitative","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9986792,0.0001794664,0.00003485521,0.0001812075,0.000006260917,0.00001073925,0.00006797227,0.000001506971,0.0008386766],"genre_scores_gemma":[0.9995148,0.0001296229,0.00003847696,0.00003423131,0.000002812358,0.0000097876,0.00004799278,0.000001039948,0.0002211098],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.02331201,"threshold_uncertainty_score":0.04635262,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03354939224940567,"score_gpt":0.3278501125930219,"score_spread":0.2943007203436162,"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."}}