{"id":"W4319072470","doi":"10.1007/s10603-023-09535-w","title":"Consumer Experience of Mistreatment and Fraud in Financial Services: Implications from an Integrative Consumer Vulnerability Framework","year":2023,"lang":"en","type":"article","venue":"Journal of Consumer Policy","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":11,"is_retracted":false,"has_abstract":false,"ca_institutions":"York University","funders":"","keywords":"Disadvantaged; Financial services; Vulnerability (computing); Consumer protection; Business; Consumer education; Finance; Marketing; Economics; Economic growth; Commerce","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0004234834,0.0002736376,0.0006417035,0.000796447,0.000151473,0.0001319698,0.0003546427,0.0001474782,0.0002078341],"category_scores_gemma":[0.0008193125,0.0002261589,0.0001582854,0.001511546,0.0002989057,0.001030766,0.0001424373,0.0003137846,0.00003987055],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00008406657,"about_ca_system_score_gemma":0.0002093236,"about_ca_topic_candidate":true,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01018869,"about_ca_topic_score_gemma":0.001597077,"domain_scores_codex":[0.9979285,0.0000695133,0.001023993,0.0003244188,0.0003399268,0.0003136691],"domain_scores_gemma":[0.9976877,0.0003253356,0.0009363072,0.0004107125,0.0005824246,0.00005754257],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001173591,0.0002078594,0.9864184,0.00006721702,0.00004498263,0.00001492077,0.002523517,0.00001173979,0.0008485698,0.00502484,0.0003451051,0.004375551],"study_design_scores_gemma":[0.0008532557,0.00003256624,0.9665973,0.0003814677,0.000177213,0.000003633981,0.001153612,0.0003890359,0.0003177569,0.02123242,0.008606845,0.0002548845],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.998008,0.0006825204,0.00005281248,0.0006615,0.0001456824,0.0002105883,0.0000573349,0.00002496456,0.0001565619],"genre_scores_gemma":[0.9974648,0.0003777252,0.0008074627,0.0008794561,0.0003614392,0.00002066587,0.00004412443,0.00001989873,0.00002443714],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01982103,"threshold_uncertainty_score":0.9964026,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01843333992104562,"score_gpt":0.3168364519684414,"score_spread":0.2984031120473958,"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."}}