{"id":"W4416379797","doi":"10.5539/ibr.v18n6p58","title":"Fintech, Innovation Ecosystems, and Financial Inclusion","year":2025,"lang":"","type":"article","venue":"International Business Research","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Financial inclusion; Financial services; Context (archaeology); FinTech; Disadvantaged; Financial innovation; Financial market; Transformative learning; Financial regulation","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":[0.002895653,0.0004118695,0.0003063178,0.00319894,0.005851325,0.01327553,0.0007953854,0.002683023,0.006628956],"category_scores_gemma":[0.003715834,0.0001378605,0.0003663024,0.003328179,0.01469797,0.01364061,0.01437415,0.001829174,0.0003652359],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.005226404,"about_ca_system_score_gemma":0.005820208,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.001518609,"about_ca_topic_score_gemma":0.00257508,"domain_scores_codex":[0.9970528,0.001370101,0.000114133,0.0002448174,0.0005296766,0.0006885603],"domain_scores_gemma":[0.9959423,0.002181796,0.0007923523,0.0002609957,0.0002535388,0.0005689384],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.00002168411,0.00006302465,0.00625528,0.0001176289,0.00001074423,0.0004177082,0.006352617,0.0004685288,0.0001898952,0.9529364,0.001201189,0.0319654],"study_design_scores_gemma":[0.00001613424,0.000112286,0.01876736,0.001217081,0.00003411158,0.001212649,0.03712663,0.001700991,0.001044718,0.7448667,0.1938399,0.00006132285],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"other","genre_gemma":"empirical","genre_scores_codex":[0.300353,0.009099122,0.0112821,0.02731319,0.0002797295,0.00006043486,0.00008842701,0.00008437225,0.6514395],"genre_scores_gemma":[0.9912164,0.001984882,0.001515526,0.001047609,0.0000763789,0.00003508033,0.00002120965,0.000006652258,0.004096319],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.01327553,"threshold_uncertainty_score":0.03792042,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.04188184766522505,"score_gpt":0.3429722067087449,"score_spread":0.3010903590435198,"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."}}