{"id":"W4402370621","doi":"10.3390/jrfm17090404","title":"Digital Financial Capability Scale","year":2024,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":8,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Conselho Nacional de Desenvolvimento Científico e Tecnológico","keywords":"Scale (ratio); Digitization; Confirmatory factor analysis; Finance; Financial services; Financial modeling; Construct (python library); Exploratory factor analysis; Computer science; Structural equation modeling; Knowledge management; Business; Machine learning; 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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001435585,0.0003133077,0.0002244117,0.003407475,0.0005291543,0.001216214,0.0006299663,0.0006569677,0.01319503],"category_scores_gemma":[0.01189703,0.0001124066,0.0005121654,0.001854344,0.0005849523,0.001924857,0.002129495,0.0009266219,0.001679328],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001093807,"about_ca_system_score_gemma":0.0009446245,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.001639767,"about_ca_topic_score_gemma":0.002522517,"domain_scores_codex":[0.9985994,0.0002843947,0.000246938,0.00009234017,0.0005954728,0.000181624],"domain_scores_gemma":[0.9934456,0.001581525,0.002002226,0.000364283,0.001389457,0.001216796],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0002427898,0.0009942447,0.5251817,0.0009315726,0.0002795294,0.0006171708,0.00520612,0.002837344,0.001777863,0.03553173,0.06551623,0.3608838],"study_design_scores_gemma":[0.00006826796,0.0004961948,0.7730974,0.0004843175,0.00008835516,0.001468053,0.005502149,0.001794029,0.0008912904,0.01519608,0.200791,0.000122804],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"methods","genre_scores_codex":[0.7754799,0.001642824,0.007196708,0.002802806,0.0002353439,0.002207187,0.01222896,0.0001935259,0.1980128],"genre_scores_gemma":[0.9708551,0.001261844,0.01056546,0.0005200508,0.00007924611,0.001398782,0.006343542,0.00002152914,0.008954492],"genre_candidate":"methods","genre_consensus":null,"teacher_disagreement_score":0.01319503,"threshold_uncertainty_score":0.04414177,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.005041205826616328,"score_gpt":0.1977295987030317,"score_spread":0.1926883928764153,"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."}}