{"id":"W2053959732","doi":"10.2202/1935-1682.2321","title":"Credit Union Membership and Use of Internet Banking Technology","year":2010,"lang":"en","type":"article","venue":"The B E Journal of Economic Analysis & Policy","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":11,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"The Internet; Business; Credit history; Retail banking; Marketing; Financial system","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":[0.0009601992,0.0001146601,0.0002578766,0.001249747,0.00069125,0.001229315,0.0003563338,0.0004844661,0.007224544],"category_scores_gemma":[0.007611094,0.0001145648,0.0001466417,0.001955962,0.0005802825,0.0006317322,0.0006259674,0.0006113222,0.0005211987],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0003788145,"about_ca_system_score_gemma":0.0002666192,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01384846,"about_ca_topic_score_gemma":0.01182516,"domain_scores_codex":[0.9991575,0.0003228332,0.0000686735,0.00009631224,0.0002050681,0.000149516],"domain_scores_gemma":[0.9819039,0.004408748,0.00941412,0.0004417715,0.001282497,0.002548875],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00002061497,0.00006844918,0.9962977,0.000005854046,0.00001344564,0.00002158513,0.0003073015,0.00007592142,0.00004039226,0.0001032008,0.0002454429,0.002800162],"study_design_scores_gemma":[0.000001649687,0.00002635462,0.9972194,0.0000166279,0.000007990961,0.00003884892,0.001779025,0.0002640148,0.00005249456,0.00007739002,0.0005129944,0.000003218906],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9980602,0.0001257303,0.00005761721,0.0001980899,0.000003790288,0.000003876477,0.0001540683,0.000002992742,0.001393682],"genre_scores_gemma":[0.9994373,0.00007039795,0.00002405932,0.00001434992,0.00001030609,0.000002622187,0.0001221594,8.935132e-7,0.0003178477],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01384846,"threshold_uncertainty_score":0.02753568,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02842728883498542,"score_gpt":0.253092729137857,"score_spread":0.2246654403028716,"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."}}