# Financial exclusion

`kaal:entity:financial-exclusion`

**Status.** derived

This node is assembled mechanically from the 5 claims that carry the concept tag `financial-exclusion`. It is a roster of what the corpus says under this term. It is **not** an adjudicated definition: no single statement here has been ruled canonical, and no first-appearance call has been made. Read the claims and judge for yourself.

## Every claim under this term

5 claims across 4 works, 2018 to 2024.

**2018**

- [3128900-011](https://wulfkaal.github.io/claims/3128900-011) [empirical/evidenced] -- Roughly 38 percent of the labor pool is unbanked but skilled, and this group has no access to centralized micro task marketplaces.
  > 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.
  Wulf A. Kaal, Decentralized Mechanical Turk Through Verified Reputation (2018). SSRN: https://ssrn.com/abstract=3128900
- [3128900-012](https://wulfkaal.github.io/claims/3128900-012) [condition/argued] *(failure mode)* -- 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.
  > Without a bank account, workers cannot contribute and profit from the existing centralized micro task marketplace.
  Wulf A. Kaal, Decentralized Mechanical Turk Through Verified Reputation (2018). SSRN: https://ssrn.com/abstract=3128900

**2019**

- [3406323-015](https://wulfkaal.github.io/claims/3406323-015) [failure/argued] *(failure mode)* -- 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.
  > The fees make it only economically viable for higher volumes of transactions, creating barriers to entry in the process.
  Wulf A. Kaal, Decentralization - A Primer on the New Economy (2019). SSRN: https://ssrn.com/abstract=3406323

**2024**

- [4734750-035](https://wulfkaal.github.io/claims/4734750-035) [failure/evidenced] *(failure mode)* -- 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.
  > the circa 38% of the labor pool that is unbanked but skilled does not currently have access to the centralized micro task marketplaces
  Wulf A. Kaal, Code Review DAO (2024). SSRN: https://ssrn.com/abstract=4734750
- [4755632-014](https://wulfkaal.github.io/claims/4755632-014) [failure/asserted] *(failure mode)* -- 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.
  > the circa 38% of the labor pool that is unbanked but skilled does not currently have access to the centralized micro task marketplaces.
  Wulf A. Kaal, AI Learning - Decentralized Governance to Optimize Human Output Datasets for AI Learning (2024). SSRN: https://ssrn.com/abstract=4755632

## Verify

Every claim above resolves to a record carrying a verbatim source quote, the sha256 of the source PDF, and a preformatted citation. Nothing here asks to be taken on trust.

    curl -s https://wulfkaal.github.io/entities/financial-exclusion.md | sha256sum

**Canonical form.** This markdown file is the canonical hashed representation of this entity node. Its sha256 is the content hash.