{"id":"W4293218729","doi":"10.3390/jrfm15090376","title":"Financial Inclusion in Rural South Africa: A Qualitative Approach","year":2022,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":32,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Financial inclusion; Financial services; Business; Mobile payment; Functional illiteracy; Pace; Financial literacy; Finance; Rural area; Inclusion (mineral); Government (linguistics); FinTech; Focus group; Economic growth; Marketing; Economics; Payment","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":[0.003225396,0.0002197767,0.0006722492,0.0008516989,0.0008275813,0.00003876569,0.0004399682,0.00009001473,0.00005822629],"category_scores_gemma":[0.0001940583,0.0002388504,0.0002021029,0.0008359082,0.00007360372,0.00025421,0.002275061,0.0006627356,0.00001208873],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0002795376,"about_ca_system_score_gemma":0.00004908395,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0001503857,"about_ca_topic_score_gemma":0.00001468544,"domain_scores_codex":[0.9977794,0.0001205852,0.001200331,0.0003174019,0.0001915676,0.0003907318],"domain_scores_gemma":[0.9985327,0.00004636311,0.001120738,0.0001907071,0.00004338051,0.00006607705],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.001277087,0.001246288,0.01891435,0.0001307342,0.00003387227,0.0002822693,0.281953,0.000804336,0.00002943577,0.5790808,0.004344546,0.1119033],"study_design_scores_gemma":[0.005148083,0.000959309,0.07278749,0.00009211792,0.00004553677,0.00003865273,0.01801741,0.0003956247,0.00001315615,0.5005909,0.4011157,0.0007960816],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9193128,0.01443894,0.05634176,0.0001970915,0.001111669,0.0005228365,0.0002724399,0.00001601129,0.00778642],"genre_scores_gemma":[0.9947729,0.00168463,0.002780175,0.0001912004,0.000195134,0.00003603944,0.000006828355,0.00002010717,0.0003130174],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.3967711,"threshold_uncertainty_score":0.9740038,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02176633538041123,"score_gpt":0.2309301855010581,"score_spread":0.2091638501206469,"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."}}