# kaal:claim:4755632-014

**Claim.** Approximately thirty eight percent of the labor pool is unbanked but skilled and therefore excluded from centralized micro task marketplaces, because without a bank account these workers cannot contribute to or profit from the existing marketplace.

**Type.** failure  **Support.** asserted

**Holds when.**

- applies to centralized micro task marketplaces requiring banking relationships

**Source quote.**

> the circa 38% of the labor pool that is unbanked but skilled does not currently have access to the centralized micro task marketplaces.

**From.** Wulf A. Kaal, *AI Learning - Decentralized Governance to Optimize Human Output Datasets for AI Learning* (2024), Lack of Scaling Solutions in Centralized Micro Task Market: No Access for Workers, page 23

**Cite as.** Wulf A. Kaal, AI Learning - Decentralized Governance to Optimize Human Output Datasets for AI Learning (2024). SSRN: https://ssrn.com/abstract=4755632

**Verify.** sha256 of source PDF `972ccebf0c06ac1767a9e443bb95942b7670e806a63c25ee817c368a64c8eca8` at https://raw.githubusercontent.com/wulfkaal/Academic-Papers/main/papers/pdf/Kaal%20-%202024%20-%20AI%20Learning%20-%20Decentralized%20Governance%20to%20Optimize%20Human%20Output%20Datasets%20for%20AI%20Learning.pdf

**Failure mode.** Unbanked Worker Exclusion  (family: inequality-and-access-divide)

**Topics.** systemic-risk, economics

**Keywords.** financial-exclusion, unbanked-workers, market-access, micro-task-work

**Related claims.**

- restates: https://wulfkaal.github.io/claims/4734750-035
- extends: https://wulfkaal.github.io/claims/3128900-012
- extends: https://wulfkaal.github.io/claims/3128900-011
- restates: https://wulfkaal.github.io/claims/3128900-020

**Canonical form.** This markdown file is the canonical hashed representation of the claim. Its sha256 is the content hash used for attestation.