{"id":"W3128156064","doi":"10.5430/ijfr.v12n3p261","title":"Financial Inclusion in Zimbabwe: Determinants, Challenges, and Opportunities","year":2021,"lang":"en","type":"article","venue":"International Journal of Financial Research","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":18,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Financial inclusion; Financial literacy; Financial services; Unbanked; Finance; Business; Economics; Economic growth; Financial system","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":[0.003795184,0.0001586226,0.000514255,0.001006234,0.0002345014,0.000089261,0.0006938711,0.0002348441,0.0001208396],"category_scores_gemma":[0.002707327,0.0001800721,0.0001333605,0.0002692254,0.0001713655,0.0005324902,0.002005587,0.0007466918,0.0000370311],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0003056927,"about_ca_system_score_gemma":0.0006636764,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0001226743,"about_ca_topic_score_gemma":0.0003818115,"domain_scores_codex":[0.9975415,0.0001033001,0.001155192,0.0003515177,0.0004183968,0.0004300323],"domain_scores_gemma":[0.9981505,0.0001730657,0.0004374169,0.000195065,0.000938358,0.0001055946],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0002679984,0.0003245516,0.004499074,0.00004143374,0.00001168476,0.003048141,0.00257582,0.000003499333,0.0008194855,0.3706627,0.00164325,0.6161024],"study_design_scores_gemma":[0.002182288,0.0003341806,0.2026949,0.0005446782,0.000003066154,0.0004086067,0.0001357658,0.00008156629,0.002619393,0.3328835,0.4577654,0.0003466886],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8985248,0.08215297,0.0002823612,0.00789268,0.001807304,0.0001292685,0.0000713758,0.000006996971,0.00913224],"genre_scores_gemma":[0.9022247,0.09547728,0.0003776413,0.0004168714,0.000763364,0.000007062459,0.000005475551,0.00001947355,0.0007081156],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.6157557,"threshold_uncertainty_score":0.7343128,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.2185640597147402,"score_gpt":0.3668506735461144,"score_spread":0.1482866138313742,"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."}}