{
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 "@type": "DefinedTerm",
 "@id": "https://wulfkaal.github.io/entities/financial-exclusion",
 "identifier": "kaal:entity:financial-exclusion",
 "name": "Financial exclusion",
 "termCode": "financial-exclusion",
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 },
 "author": {
  "@type": "Person",
  "name": "Wulf A. Kaal",
  "identifier": "https://orcid.org/0000-0003-0757-275X"
 },
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   "@type": "Claim",
   "@id": "https://wulfkaal.github.io/claims/3128900-011",
   "identifier": "kaal:claim:3128900-011",
   "text": "Roughly 38 percent of the labor pool is unbanked but skilled, and this group has no access to centralized micro task marketplaces.",
   "abstract": "Most importantly, the circa 38% of the labor pool that is unbanked but skilled does not currently have access to the centralized micro task marketplaces.",
   "citation": "Wulf A. Kaal, Decentralized Mechanical Turk Through Verified Reputation (2018). SSRN: https://ssrn.com/abstract=3128900",
   "datePublished": "2018",
   "claim_type": "empirical",
   "confidence": "evidenced",
   "is_failure_mode": false,
   "scope_conditions": [
    "global labor pool",
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   "@type": "Claim",
   "@id": "https://wulfkaal.github.io/claims/3128900-012",
   "identifier": "kaal:claim:3128900-012",
   "text": "A bank account is a necessary condition for participation in the existing centralized micro task marketplace: without one, a worker can neither contribute nor profit.",
   "abstract": "Without a bank account, workers cannot contribute and profit from the existing centralized micro task marketplace.",
   "citation": "Wulf A. Kaal, Decentralized Mechanical Turk Through Verified Reputation (2018). SSRN: https://ssrn.com/abstract=3128900",
   "datePublished": "2018",
   "claim_type": "condition",
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   "@type": "Claim",
   "@id": "https://wulfkaal.github.io/claims/3406323-015",
   "identifier": "kaal:claim:3406323-015",
   "text": "The high intermediary fees of centralized fiat payment systems make those systems economically viable only at higher transaction volumes, which creates barriers to entry that decentralized payment systems do not face.",
   "abstract": "The fees make it only economically viable for higher volumes of transactions, creating barriers to entry in the process.",
   "citation": "Wulf A. Kaal, Decentralization - A Primer on the New Economy (2019). SSRN: https://ssrn.com/abstract=3406323",
   "datePublished": "2019",
   "claim_type": "failure",
   "confidence": "argued",
   "is_failure_mode": true,
   "scope_conditions": [
    "centralized fiat payment rails intermediated by banks and services such as PayPal"
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   "@type": "Claim",
   "@id": "https://wulfkaal.github.io/claims/4734750-035",
   "identifier": "kaal:claim:4734750-035",
   "text": "Roughly 38 percent of the labor pool is unbanked but skilled and is therefore excluded from centralized micro task marketplaces, because without a bank account workers cannot contribute to or profit from those platforms.",
   "abstract": "the circa 38% of the labor pool that is unbanked but skilled does not currently have access to the centralized micro task marketplaces",
   "citation": "Wulf A. Kaal, Code Review DAO (2024). SSRN: https://ssrn.com/abstract=4734750",
   "datePublished": "2024",
   "claim_type": "failure",
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   "@type": "Claim",
   "@id": "https://wulfkaal.github.io/claims/4755632-014",
   "identifier": "kaal:claim:4755632-014",
   "text": "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.",
   "abstract": "the circa 38% of the labor pool that is unbanked but skilled does not currently have access to the centralized micro task marketplaces.",
   "citation": "Wulf A. Kaal, AI Learning - Decentralized Governance to Optimize Human Output Datasets for AI Learning (2024). SSRN: https://ssrn.com/abstract=4755632",
   "datePublished": "2024",
   "claim_type": "failure",
   "confidence": "asserted",
   "is_failure_mode": true,
   "scope_conditions": [
    "applies to centralized micro task marketplaces requiring banking relationships"
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 ],
 "description": "5 claims in the published works of Wulf A. Kaal carry the concept tag 'financial-exclusion'. Derived node: a roster, not an adjudicated definition."
}