{"id":"W4255754329","doi":"10.33423/jabe.v22i5.3054","title":"Determinants of Financial Inclusion in Africa: Evidence on Holding a Current Account","year":2020,"lang":"en","type":"article","venue":"Journal of Applied Business and Economics","topic":"Economic Growth and Development","field":"Computer Science","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Financial inclusion; Disadvantaged; Business; Population; Payment; Financial services; Government (linguistics); Inclusion (mineral); Current account; Financial system; Finance; Economics; Economic growth","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":[0.0003834001,0.00009573191,0.0003067942,0.0001244297,0.00005325552,0.00005188584,0.0003968122,0.00003712906,0.00000158144],"category_scores_gemma":[0.00005094634,0.00008542201,0.00002944398,0.0001481018,0.00001870291,0.0003891094,0.0007149007,0.0001144036,0.000002223484],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00006573128,"about_ca_system_score_gemma":0.0002217079,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.000002511728,"about_ca_topic_score_gemma":0.000004504717,"domain_scores_codex":[0.9990859,0.00000502669,0.0005480758,0.0001605254,0.00006364837,0.0001368341],"domain_scores_gemma":[0.9992661,0.00006064155,0.0004544931,0.00008790714,0.00004997817,0.0000808486],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"observational","study_design_scores_codex":[0.001019475,0.0002791682,0.03805073,0.0004865227,0.00001498292,0.00004399869,0.01159902,0.008383622,0.001526255,0.02716013,0.0004517599,0.9109843],"study_design_scores_gemma":[0.00601282,0.0006800053,0.828218,0.002003044,0.00003289404,0.00007865038,0.0002433264,0.08389162,0.01586778,0.05153126,0.01018855,0.001252048],"study_design_candidate":"design_other","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9965523,0.0003869901,0.002144042,0.0004674126,0.0002582688,0.00006332914,7.604812e-7,0.000002786097,0.0001241377],"genre_scores_gemma":[0.9960511,0.001133188,0.002461648,0.0002554474,0.00009280206,0.000001670302,7.886548e-8,0.000003744374,3.089877e-7],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.9097323,"threshold_uncertainty_score":0.3483409,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.04071997952883269,"score_gpt":0.2330113269154713,"score_spread":0.1922913473866386,"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."}}