{"id":"W4415250587","doi":"10.1145/3757539","title":"17 Years of Fintech for Financial Inclusion: A Systematic Review and Critical Value Analysis","year":2025,"lang":"en","type":"article","venue":"Proceedings of the ACM on Human-Computer Interaction","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":2,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Toronto","funders":"","keywords":"Underpinning; Financial inclusion; Work (physics); Reflexivity; Financial analysis; Thematic analysis; Value (mathematics); Financial services","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":[0.06205726,0.001667097,0.006715825,0.04056768,0.002236309,0.006326466,0.002766433,0.002404795,0.004559056],"category_scores_gemma":[0.2161489,0.001616678,0.006164576,0.02963251,0.003445212,0.009306552,0.00457134,0.00218218,0.0003056227],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.01537615,"about_ca_system_score_gemma":0.05136233,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.007924064,"about_ca_topic_score_gemma":0.02815166,"domain_scores_codex":[0.9388072,0.02222527,0.02582835,0.002365473,0.009664525,0.00110916],"domain_scores_gemma":[0.7363806,0.1946979,0.03879925,0.003963189,0.02396627,0.002192914],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"systematic_review","study_design_gemma":"systematic_review","study_design_scores_codex":[0.0003027347,0.0000496518,0.002343856,0.894199,0.004094839,0.0003160541,0.004080449,0.0001152824,0.000198621,0.001308723,0.002886557,0.09010431],"study_design_scores_gemma":[0.0000701543,0.0001313231,0.002787452,0.9602384,0.008074923,0.0002073031,0.002661261,0.00004845162,0.0001864869,0.0007319574,0.02482489,0.00003748703],"study_design_candidate":"systematic_review","study_design_consensus":"systematic_review","genre_codex":"review","genre_gemma":"review","genre_scores_codex":[0.005327666,0.9869121,0.0007180643,0.001629541,0.0003287987,0.00293937,0.0009619007,0.00001842297,0.001164189],"genre_scores_gemma":[0.05922262,0.9222648,0.005319149,0.002512002,0.0002230473,0.009124345,0.0009118002,0.00003249065,0.0003897522],"genre_candidate":"review","genre_consensus":"review","teacher_disagreement_score":0.06205726,"threshold_uncertainty_score":0.3281941,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02415043220265562,"score_gpt":0.313979435513662,"score_spread":0.2898290033110064,"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."}}