{"id":"W3083208741","doi":"10.5430/rwe.v11n5p326","title":"Behavioural and Psychological Factors That Influence the Usage of Formal Financial Services Among the Low Income Households","year":2020,"lang":"en","type":"article","venue":"Research in World Economy","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":5,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Habit; Financial inclusion; Context (archaeology); Theory of planned behavior; Financial services; Inclusion (mineral); Control variable; Business; Public economics; Variables; Control (management); Finance; Economics; Psychology; Social psychology; Geography","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001274636,0.0001571831,0.000250365,0.0002401459,0.0003477639,0.0003617635,0.0007485093,0.00005676361,0.0001665358],"category_scores_gemma":[0.00009260247,0.00009450505,0.00008381577,0.001201834,0.0004115871,0.001749846,0.0006956994,0.0004847959,0.00003091747],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00002748861,"about_ca_system_score_gemma":0.00001680155,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.003341514,"about_ca_topic_score_gemma":0.004724863,"domain_scores_codex":[0.9984561,0.00006655606,0.0003666487,0.0003201596,0.0003131604,0.0004773366],"domain_scores_gemma":[0.9991903,0.0002121289,0.0001760136,0.0002908042,0.0001019421,0.00002886546],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00003623875,0.00003137063,0.9972824,0.00009418489,0.00000298296,0.000006631257,0.0002261431,0.00003363135,0.0000108164,0.001934614,0.0000975562,0.0002434249],"study_design_scores_gemma":[0.0002409016,0.00001847381,0.9947645,0.00006419354,0.00001047035,1.800523e-7,0.0002059689,0.00148998,0.00004034088,0.0009203592,0.002132913,0.0001117148],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9967178,0.00006251341,0.000001167169,0.001136604,0.00003662196,0.000395923,0.00000351123,0.00002064225,0.001625268],"genre_scores_gemma":[0.9989424,0.00001484475,0.00001119396,0.0007722826,0.000160749,0.00003455421,0.000009157845,0.00001247884,0.00004233467],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.002517902,"threshold_uncertainty_score":0.5051391,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.08794147885070731,"score_gpt":0.3090746504325362,"score_spread":0.2211331715818289,"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."}}