{"id":"W4416893829","doi":"10.1007/s43621-025-02372-6","title":"Digital financial inclusion and socioeconomic sustainability in Saudi Arabia examining drivers disparities and policy pathways","year":2025,"lang":"en","type":"article","venue":"Discover Sustainability","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":8,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Alberta","funders":"","keywords":"Financial inclusion; Probit model; Robustness (evolution); Probit; Socioeconomic status; Digital divide; Digital inclusion; Mobile phone; Universal design","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":[0.0009423422,0.0002308679,0.0001737647,0.001591315,0.0007924606,0.001638053,0.0002862473,0.000312186,0.003429043],"category_scores_gemma":[0.002760753,0.00009106844,0.0002697308,0.001956874,0.0006556907,0.001430704,0.002121614,0.0006055373,0.0002104426],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002309668,"about_ca_system_score_gemma":0.003328419,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.06993054,"about_ca_topic_score_gemma":0.0594684,"domain_scores_codex":[0.9995402,0.0001086287,0.0000481378,0.00005150272,0.00009324124,0.0001582752],"domain_scores_gemma":[0.9986023,0.0002463027,0.0005732758,0.00005713326,0.0003157105,0.0002052523],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00006725339,0.00009734732,0.92713,0.0002132835,0.00007237923,0.0003651141,0.007793692,0.0004220521,0.0002775051,0.009846434,0.001481803,0.05223311],"study_design_scores_gemma":[0.000009119848,0.0000665884,0.9247284,0.0006436221,0.00007253971,0.0002648993,0.04625992,0.001537149,0.0005041947,0.002632224,0.02325025,0.00003100661],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9884242,0.001564864,0.0002032203,0.003268712,0.00002379827,0.00001826072,0.0007222698,0.00000481518,0.005769885],"genre_scores_gemma":[0.9981669,0.0008308031,0.0001632602,0.0001523034,0.00001038681,0.000007304565,0.0002103705,0.00000148136,0.0004571523],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.06993054,"threshold_uncertainty_score":0.139047,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.00979959557848808,"score_gpt":0.2329541393281718,"score_spread":0.2231545437496837,"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."}}