{"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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001326523,0.0001260479,0.0006444153,0.001522816,0.0000726369,0.0000382469,0.0004184534,0.0001514558,0.0003609102],"category_scores_gemma":[0.000187718,0.0001083482,0.0002387898,0.0005390077,0.0002124158,0.0003137767,0.0001601243,0.0003526694,0.00003233212],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00007938179,"about_ca_system_score_gemma":0.00005802187,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.002064939,"about_ca_topic_score_gemma":0.0005219476,"domain_scores_codex":[0.9985988,0.00002486024,0.001013248,0.000147734,0.00002330514,0.0001921219],"domain_scores_gemma":[0.9978226,0.0001021344,0.001626748,0.0003431744,0.00005385364,0.00005147175],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.00007475101,0.00006566587,0.2590261,0.00001476389,0.0009714898,0.000002868123,0.001493388,0.0007234323,0.001993642,0.7306617,0.0009759174,0.003996323],"study_design_scores_gemma":[0.002459537,0.0006966724,0.2343072,0.0001137373,0.001560715,0.0003297041,0.0008175554,0.01660796,0.01212273,0.5458173,0.1839815,0.001185406],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9939449,0.0006504673,0.001969115,0.001834294,0.0002153275,0.00004846055,0.00002440607,0.000004775998,0.00130826],"genre_scores_gemma":[0.9978072,0.0008829758,0.0004597472,0.000124909,0.0003154499,6.949273e-7,0.000001984,0.00001208238,0.0003949776],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1848444,"threshold_uncertainty_score":0.4418311,"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."}}