{"id":"W2266695100","doi":"10.2139/ssrn.2468269","title":"The Firm-Level Real Effects of Bank-Scope Deregulation: Evidence from the Rise of Universal Banking","year":2014,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":8,"is_retracted":false,"has_abstract":false,"ca_institutions":"Quest University Canada","funders":"","keywords":"Deregulation; Business; Loan; Financial system; Scope (computer science); Economies of scope; Consolidation (business); Monetary economics; Underwriting; Finance; Economics; Market economy","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":[0.004371882,0.0001426338,0.0003029346,0.00007974773,0.0004095485,0.00005570895,0.0006969687,0.00008414819,0.00004040418],"category_scores_gemma":[0.001134172,0.0001065035,0.0001640425,0.0003260225,0.0002387008,0.0002634412,0.00006991378,0.0005915766,0.00001049504],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004828873,"about_ca_system_score_gemma":0.0004165375,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.001037871,"about_ca_topic_score_gemma":0.001207271,"domain_scores_codex":[0.997909,0.000186497,0.0007103358,0.0002522806,0.0001411751,0.0008007202],"domain_scores_gemma":[0.9962188,0.002175432,0.0009421099,0.0005066081,0.000123834,0.00003322696],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"observational","study_design_scores_codex":[0.00006170879,0.00005437169,0.2132713,0.00002228792,0.0001331757,2.058528e-7,0.0009187316,0.001027314,0.0001695291,0.7644948,0.00006214193,0.01978442],"study_design_scores_gemma":[0.0005078976,0.0001983389,0.5427576,0.0001055015,0.00002968989,0.00000791069,0.0001402952,0.004807718,0.0002468972,0.4503421,0.0007214688,0.0001344953],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9344582,0.0241944,0.0392736,0.0009130975,0.0003801115,0.0002065843,0.000009224471,0.00001194328,0.0005528436],"genre_scores_gemma":[0.9945722,0.004856639,0.0002056223,0.00001077568,0.0001981494,0.000002494523,0.000001385376,0.00001741862,0.0001353109],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.3294863,"threshold_uncertainty_score":0.4343088,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0156401590519608,"score_gpt":0.2197994056877882,"score_spread":0.2041592466358274,"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."}}