Are you really Financially Excluded if you Choose not to be Included? Insights from Social Exclusion, Resilience and Ecological Systems
Bibliographic record
Abstract
Abstract Around one in five people in developed countries are ‘financially excluded’. But how meaningful is this when the current definition does not differentiate between those who choose to be excluded and those who are forced to be? This conceptual paper draws on frameworks from social exclusion, resilience and ecological systems theory to critique the current definition of financial exclusion and to introduce an alternative concept. The paper argues that the emphasis of extant literature on an access-point approach has isolated the context surrounding financial exclusion and contributed to simplifying the phenomenon. It puts forward the need for a change in the way financial exclusion is conceptualised in developed countries to take broader contextual settings and a more holistic approach into account and it suggests that a shift to financial resilience may be a way forward.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.005 | 0.005 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.003 | 0.002 |
| Science and technology studies | 0.007 | 0.029 |
| Scholarly communication | 0.005 | 0.007 |
| Open science | 0.001 | 0.010 |
| Research integrity | 0.001 | 0.002 |
| Insufficient payload (model declined to judge) | 0.004 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".