{"id":"W4414145565","doi":"10.1111/joca.70025","title":"Factors and Determinants of Financial Behaviors That Undermine Financial Well‐Being: A Qualitative Study","year":2025,"lang":"en","type":"article","venue":"Journal of Consumer Affairs","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"Université de Moncton","funders":"","keywords":"Sociocultural evolution; Qualitative research; Government (linguistics); Strategic financial management; Cognition; Theory of planned behavior; Originality; Financial modeling; Social cognitive theory","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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.00947336,0.0003349808,0.000532157,0.001275047,0.005878605,0.002216424,0.0008437524,0.001067634,0.002796211],"category_scores_gemma":[0.0143145,0.0005310104,0.0002879924,0.0009894972,0.004911734,0.002531557,0.003205086,0.001581521,0.0002097231],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.003671657,"about_ca_system_score_gemma":0.005362014,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01183532,"about_ca_topic_score_gemma":0.01545504,"domain_scores_codex":[0.9952917,0.003216674,0.0001402978,0.0002012727,0.0003224136,0.000827738],"domain_scores_gemma":[0.9864964,0.0103228,0.0008848965,0.0002564155,0.0008610804,0.001178434],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"qualitative","study_design_gemma":"qualitative","study_design_scores_codex":[0.00003717899,0.0001182996,0.01423841,0.0001397654,0.000005240047,0.0005440739,0.9775541,0.00004983395,0.0008026234,0.001258176,0.0003304286,0.004921973],"study_design_scores_gemma":[0.000003541643,0.00006327118,0.00362341,0.0001138544,0.000003617539,0.000133654,0.993371,0.00009503902,0.0002159659,0.0002270438,0.002139588,0.000009990287],"study_design_candidate":"qualitative","study_design_consensus":"qualitative","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9960104,0.0001459866,0.0007998974,0.001048648,0.00001916972,0.0001242736,0.00008700597,0.000006815432,0.001757745],"genre_scores_gemma":[0.9980471,0.0002241936,0.000344059,0.0002981602,0.000005356554,0.0001580853,0.00002077811,0.00000453884,0.0008977511],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01183532,"threshold_uncertainty_score":0.05010051,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02826617503823048,"score_gpt":0.3087914263921769,"score_spread":0.2805252513539465,"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."}}