{"id":"W2949243971","doi":"10.1080/1351847x.2019.1639526","title":"The effectiveness of smartphone apps in improving financial capability","year":2019,"lang":"en","type":"article","venue":"European Journal of Finance","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":84,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Economic and Social Research Council; Queen's University; Queen's University Belfast","keywords":"Context (archaeology); Smartphone application; Debt; Finance; Business; Smartphone app; European union; Loan; Cash; Shock (circulatory); Internet privacy; Computer science; Multimedia; Medicine","routes":{"ca_aff":false,"ca_fund":true,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.00652555,0.0001605734,0.0003949667,0.0001986752,0.00009927775,0.00007775347,0.0005063357,0.00002426381,0.00002852563],"category_scores_gemma":[0.001145384,0.0001171081,0.0001988637,0.0007062492,0.00008835595,0.0006782425,0.0001533158,0.0002792434,0.0001082405],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00004975747,"about_ca_system_score_gemma":0.00005887455,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00009361264,"about_ca_topic_score_gemma":0.00004526005,"domain_scores_codex":[0.9981476,0.000259414,0.0008108462,0.0001989043,0.0003324813,0.0002507475],"domain_scores_gemma":[0.9979729,0.0002562107,0.001021664,0.0003256291,0.0004151393,0.000008453273],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0009263883,0.0001353014,0.9697083,0.0003847971,0.000008293656,0.00007877813,0.00006219713,0.0005871698,0.007157807,0.004487845,0.000300887,0.01616223],"study_design_scores_gemma":[0.0009642758,0.00005935309,0.9860936,0.0004197319,0.00002359838,0.000002973931,0.00001868823,0.0003831952,0.0004596555,0.0004310004,0.0110088,0.0001351049],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9955369,0.0004703449,0.00009267954,0.00004390719,0.0006356237,0.0001863554,9.66351e-7,0.000006796139,0.003026427],"genre_scores_gemma":[0.9992624,0.00004160043,0.0001379668,0.00007015229,0.0003735846,0.000001083453,0.000001380004,0.00002115499,0.00009066828],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01638531,"threshold_uncertainty_score":0.4775531,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.004938031433912333,"score_gpt":0.1845993323899606,"score_spread":0.1796613009560482,"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."}}