{"id":"W2122304397","doi":"10.1111/apce.12057","title":"WEB ADOPTION BY IRISH CREDIT UNIONS: PERFORMANCE IMPLICATIONS","year":2015,"lang":"en","type":"article","venue":"Annals of Public and Cooperative Economics","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":4,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Queen's University; Queen's University Belfast","keywords":"The Internet; Irish; Web application; Loan; Business; World Wide Web; Computer science; Finance","routes":{"ca_aff":false,"ca_fund":true,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.009203198,0.0002178961,0.0003091452,0.002767725,0.001796105,0.00642419,0.001490753,0.001522432,0.04586675],"category_scores_gemma":[0.04835423,0.0002386147,0.0004934232,0.004833677,0.001418387,0.003426835,0.003074103,0.002579991,0.01005592],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.005739719,"about_ca_system_score_gemma":0.004132467,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.1335519,"about_ca_topic_score_gemma":0.1403945,"domain_scores_codex":[0.9922787,0.002011024,0.000325463,0.0007491229,0.001937594,0.002698125],"domain_scores_gemma":[0.9253613,0.02187623,0.01652848,0.003812746,0.01629652,0.01612467],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0008565076,0.00183635,0.8702807,0.0000906168,0.00004660867,0.0001425971,0.005154499,0.0003979098,0.000142951,0.002447129,0.02546117,0.09314303],"study_design_scores_gemma":[0.00007822215,0.0003007222,0.9372957,0.0002112206,0.00004461634,0.00009936826,0.03770476,0.001104788,0.0003624992,0.0008435185,0.02189735,0.00005721829],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8386573,0.000764265,0.0002382547,0.01386232,0.0001313176,0.00009978656,0.003192255,0.00008399811,0.1429705],"genre_scores_gemma":[0.9581765,0.0003935062,0.0001278955,0.0009926984,0.0001345104,0.00003963231,0.001403328,0.00005129888,0.03868053],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1335519,"threshold_uncertainty_score":0.2655491,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.1420523338524368,"score_gpt":0.2832321930688997,"score_spread":0.1411798592164629,"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."}}