{"id":"W2098118559","doi":"10.1016/j.jbankfin.2015.02.005","title":"Consumer payment choice: Merchant card acceptance versus pricing incentives","year":2015,"lang":"en","type":"article","venue":"Journal of Banking & Finance","topic":"Digital Platforms and Economics","field":"Business, Management and Accounting","cited_by":150,"is_retracted":false,"has_abstract":false,"ca_institutions":"Bank of Canada","funders":"","keywords":"Payment; Payment card; Incentive; Cash; Credit card; Business; ATM card; Database transaction; Point of sale; Debit card; Chargeback; Economics; Marketing; Microeconomics; Credit card interest; Finance; Computer science; Database","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":[0.0004922275,0.0001489032,0.0002950155,0.0001381392,0.00008791167,0.0004617305,0.0002854779,0.00004388445,0.0000292173],"category_scores_gemma":[0.000164838,0.0001263738,0.0001120774,0.0001887261,0.00004531326,0.004798442,0.0001274958,0.0001858984,0.00007583964],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0001335716,"about_ca_system_score_gemma":0.00006458517,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00006630852,"about_ca_topic_score_gemma":0.00004022226,"domain_scores_codex":[0.9988798,0.000001556714,0.0004578998,0.0001431287,0.0002425753,0.0002749824],"domain_scores_gemma":[0.9987522,0.00004688673,0.0008033279,0.0001355723,0.000242473,0.00001948811],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"not_applicable","study_design_scores_codex":[0.003853286,0.0009225572,0.1729204,0.0005814275,0.000903751,0.0004750938,0.00188951,0.02664608,0.0005967282,0.1583145,0.05892972,0.573967],"study_design_scores_gemma":[0.006410565,0.0001727539,0.03668933,0.0007134891,0.0001562738,0.0000296839,0.001524211,0.003686735,0.0002407217,0.01632407,0.9332661,0.0007860861],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9811962,0.0009659916,0.0004081241,0.0001821113,0.002265036,0.00007871305,9.081613e-7,0.00001618095,0.01488669],"genre_scores_gemma":[0.9976285,0.0001152369,0.0006842689,0.000358492,0.001085818,0.000001666573,0.000001877442,0.0000176977,0.0001064439],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.8743364,"threshold_uncertainty_score":0.5153375,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.04471185499604029,"score_gpt":0.250771051288937,"score_spread":0.2060591962928967,"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."}}