Network readiness, financial inclusion, and sustainable development goals: Insights from a clustering approach
Why this work is in the frame
A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.
Bibliographic record
Abstract
This research examines the role of the financial sector in advancing the Sustainable Development Goals (SDGs) by promoting access to financial services and leveraging Information and Communication Technologies (ICTs). Utilizing the k-means++ algorithm, we clustered 41 European countries based on the values of the Network Readiness Index (NRI) pillars—serving as a measure of ICT—and by the achieved values for SDG indicator 8.10, which reflects access to financial services. The results confirmed that cluster differences based on NRI components are significant, particularly with respect to: ownership of accounts with banks, other financial institutions, and mobile-money-service providers; sociodemographic characteristics of financial service users; and contributions to 13 out of the 17 SDGs. Notably, in terms of the impact of financial service access on SDG performance, significant differences between clusters were found in eight out of the 17 SDGs.
Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.001 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.001 | 0.004 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 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 it