{"id":"W3036519516","doi":"10.20472/es.2020.9.1.005","title":"Analysis of Factors that Influence Financial Literacy of Millennials in Canada","year":2020,"lang":"en","type":"article","venue":"International Journal of Economic Sciences","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":3,"is_retracted":false,"has_abstract":true,"ca_institutions":"Royal Bank of Canada; Seneca Polytechnic","funders":"","keywords":"Financial literacy; Business; Demographic economics; Economics; Finance","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0004487815,0.00009672824,0.0004268827,0.0009214569,0.00002785503,0.00008009952,0.0008206964,0.00002030036,0.0004221352],"category_scores_gemma":[0.0004663698,0.00008245683,0.0001918385,0.00074709,0.00009266543,0.001491098,0.0001014715,0.0000661118,0.000002876231],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0001465066,"about_ca_system_score_gemma":0.0006027754,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.3894628,"about_ca_topic_score_gemma":0.2894095,"domain_scores_codex":[0.9983793,0.0000119332,0.0008806327,0.0001546318,0.0004571641,0.0001162859],"domain_scores_gemma":[0.9979188,0.0001324129,0.001511077,0.00006196132,0.0003584175,0.0000173362],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00003489571,0.00001269281,0.9801079,0.000007419549,0.00006748398,0.000006738735,0.0001601563,0.01829754,0.0001923829,0.0007157329,0.0001110017,0.000286054],"study_design_scores_gemma":[0.0002109817,0.00001348454,0.982694,0.00005079529,0.0001169281,3.904328e-7,0.0002159353,0.01511828,0.0004521444,0.0002345527,0.000805665,0.00008685553],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9987501,0.00008280094,0.000008877747,0.0004547721,0.0004074821,0.00003205914,0.00001697509,0.000001351158,0.0002456126],"genre_scores_gemma":[0.9991589,0.00002728721,0.00008776227,0.0005617728,0.0001529008,3.283532e-7,0.00000460066,0.000002815857,0.000003649001],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1000533,"threshold_uncertainty_score":0.7235569,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02655309675619462,"score_gpt":0.2621707267540345,"score_spread":0.2356176299978399,"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."}}