{"id":"W4408648434","doi":"10.3390/jrfm18030165","title":"Financial Literacy and Behavioral Intention to Use Central Banks’ Digital Currency: Moderating Role of Trust","year":2025,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Technology Adoption and User Behaviour","field":"Decision Sciences","cited_by":16,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Financial literacy; Currency; Business; Financial system; Psychology; Accounting; Finance; Economics; Monetary economics","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":[0.0005173563,0.0001216485,0.0002978281,0.000654098,0.0001435046,0.0003208162,0.0002314567,0.00008551926,0.00001042874],"category_scores_gemma":[0.0006399137,0.00009822288,0.0001082762,0.0004584779,0.00006983129,0.0007454064,0.0002260414,0.0002394835,0.000001792377],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00002636686,"about_ca_system_score_gemma":0.00003868888,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0000239423,"about_ca_topic_score_gemma":0.00002059044,"domain_scores_codex":[0.9984218,0.00003990977,0.0007752927,0.0002145432,0.0003648305,0.0001836597],"domain_scores_gemma":[0.9990854,0.00006957549,0.0003853875,0.0001586841,0.000229445,0.00007150503],"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":[0.00009596827,0.0001083995,0.4059889,0.000004058787,0.000003146613,0.00001132245,0.0005773597,0.00001106109,0.0000184382,0.007561268,0.0002813198,0.5853388],"study_design_scores_gemma":[0.0006301079,0.0001939592,0.9556056,0.0001048867,0.00006273144,0.000008151492,0.0005047321,0.0002171174,0.00004960223,0.02475102,0.01777776,0.00009431226],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9551129,0.0002562597,0.04381155,0.0001329731,0.0004336952,0.00013388,0.00003690327,0.000009007936,0.00007280067],"genre_scores_gemma":[0.9964817,0.0002105684,0.002984795,0.00005387509,0.00002812706,0.000002489942,0.000001043259,0.000003554838,0.000233914],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5852444,"threshold_uncertainty_score":0.4005413,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0286089115123314,"score_gpt":0.3310232061662886,"score_spread":0.3024142946539571,"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."}}