{"id":"W4415873496","doi":"10.1177/07349149251384167","title":"Newcomers’ Financial Knowledge and Saving Participation in Canada: A Social Equity Gap Analysis","year":2025,"lang":"en","type":"article","venue":"Public Administration Quarterly","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"Université du Québec en Outaouais; École Nationale d'Administration Publique","funders":"","keywords":"Financial literacy; Equity (law); Settlement (finance); Agency (philosophy); Immigration; Financial analysis; Financial services; Savings account; Citizenship","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0005228485,0.000194812,0.0003612152,0.0008162445,0.0003259596,0.0004880936,0.0001735789,0.00008006506,0.000232939],"category_scores_gemma":[0.0002037368,0.0002160313,0.0001009537,0.003058041,0.00004379509,0.001195809,0.00006529736,0.000132314,0.00001723782],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0003209183,"about_ca_system_score_gemma":0.00115798,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.2170839,"about_ca_topic_score_gemma":0.9771798,"domain_scores_codex":[0.9982784,0.00004215835,0.0006164298,0.0003948481,0.0002898068,0.0003783198],"domain_scores_gemma":[0.9992219,0.0000565153,0.0002701537,0.0001711421,0.0002547121,0.00002564491],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00003450253,0.0001269779,0.900859,0.00007991229,0.00003999892,0.000006309749,0.0002703668,0.000003099477,0.00002844232,0.07486279,0.002071241,0.02161737],"study_design_scores_gemma":[0.0003879563,0.00001703262,0.9784639,0.00001444744,0.0002956951,1.157964e-7,0.0003066387,0.01059756,0.000003346159,0.001603616,0.008098672,0.0002109803],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9904039,0.00005423212,0.0005169856,0.002483901,0.0001988866,0.0002083409,0.000005845157,0.00004188498,0.006086051],"genre_scores_gemma":[0.9985271,0.000001391152,0.00003877722,0.0006766758,0.0002754656,0.00005268878,0.0001823596,0.000007954842,0.0002376117],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.7600958,"threshold_uncertainty_score":0.8809502,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03251355259670848,"score_gpt":0.3072264982340651,"score_spread":0.2747129456373566,"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."}}