{"id":"W7120058137","doi":"10.2478/irfc-2025-0010","title":"An Empirical Study on the Determinants of Insurance Literacy among Korean College Students","year":2025,"lang":"en","type":"article","venue":"International Review of Financial Consumers","topic":"Insurance and Financial Risk Management","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"Nexen (Canada)","funders":"","keywords":"Financial literacy; Empirical research; Empirical evidence; Literacy; Risk management; Higher education","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":[0.0006827752,0.0001274376,0.0001691822,0.0005912103,0.0004185381,0.000730257,0.0001742884,0.000298788,0.003045867],"category_scores_gemma":[0.002384726,0.0001484173,0.0002324449,0.0007302514,0.0002220348,0.0003927785,0.0003672487,0.0005844304,0.0002785468],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000317052,"about_ca_system_score_gemma":0.0008275748,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.006100955,"about_ca_topic_score_gemma":0.009202159,"domain_scores_codex":[0.9997148,0.0000619241,0.00003381418,0.00003588126,0.00006837562,0.00008513103],"domain_scores_gemma":[0.9978011,0.0005669464,0.0006734691,0.00006870949,0.0003307786,0.0005589872],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00001566029,0.0002238475,0.9952872,0.0000139397,0.000008038091,0.00005134284,0.0009152223,0.000009095026,0.000152521,0.00005408728,0.0001015036,0.003167454],"study_design_scores_gemma":[0.000002621393,0.00005266167,0.9961622,0.00001399566,0.00001072706,0.0000398384,0.003235956,0.000103762,0.00006262842,0.00002482092,0.0002885527,0.000002241279],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9994583,0.0000383045,0.00001657755,0.00004721979,0.00000140985,0.00000620588,0.00003738718,3.68935e-7,0.000394301],"genre_scores_gemma":[0.9995918,0.00006633818,0.00002936533,0.00003168231,0.000002001723,0.000005465994,0.00004795324,3.512686e-7,0.0002251081],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.006100955,"threshold_uncertainty_score":0.01213086,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02782154774250876,"score_gpt":0.3462927321911369,"score_spread":0.3184711844486281,"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."}}