{"id":"W1846344076","doi":"10.2139/ssrn.2475265","title":"Credit Scoring with Social Network Data","year":2014,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":19,"is_retracted":false,"has_abstract":false,"ca_institutions":"Quest University Canada","funders":"","keywords":"Social network (sociolinguistics); Business; Computer science; Data science; World Wide Web; Social media","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003284445,0.0007288373,0.0007299971,0.00655448,0.0004918588,0.001721425,0.0008849916,0.001181015,0.01740028],"category_scores_gemma":[0.03064132,0.0003372782,0.0007185596,0.006397732,0.0002563628,0.002046667,0.001160591,0.0008945999,0.009601953],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004903738,"about_ca_system_score_gemma":0.0005767752,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.009963357,"about_ca_topic_score_gemma":0.01311476,"domain_scores_codex":[0.9970714,0.001392617,0.0002711176,0.0004558782,0.000591959,0.0002170046],"domain_scores_gemma":[0.9860545,0.007205327,0.00170946,0.002821582,0.00176684,0.000442338],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"simulation_or_modeling","study_design_scores_codex":[0.00122091,0.0008017246,0.5078042,0.0003862065,0.0008108479,0.0004748215,0.0001960057,0.07041184,0.0009662163,0.005956346,0.09387898,0.3170918],"study_design_scores_gemma":[0.000152402,0.0002362683,0.2043324,0.0001464035,0.0001984398,0.0004497288,0.0003590721,0.7452359,0.00231069,0.02752839,0.01896845,0.00008192263],"study_design_candidate":"simulation_or_modeling","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.7342304,0.0009271468,0.08113848,0.002054082,0.0003775875,0.0006205839,0.1494471,0.004686422,0.02651823],"genre_scores_gemma":[0.9104925,0.0002184731,0.02296564,0.00006609358,0.0002091595,0.0002345143,0.05515965,0.0001087746,0.01054512],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01740028,"threshold_uncertainty_score":0.05820978,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02522518626224311,"score_gpt":0.2210586815890866,"score_spread":0.1958334953268435,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}