{"id":"W2288917440","doi":"","title":"Scoring Method for Clients Without Bank References","year":2013,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Waterloo","funders":"","keywords":"Balanced scorecard; Credit history; Credit reference; Actuarial science; Credit risk; Population; Business; Bank credit; Credit enhancement; Credit score; Credit card interest; Finance; Computer science; Accounting; Marketing","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":[0.002862553,0.0007473635,0.00072171,0.004270259,0.0009592194,0.002085504,0.001639263,0.0008831283,0.02278978],"category_scores_gemma":[0.01525756,0.0002564034,0.0004528834,0.003841779,0.0003419792,0.001648222,0.001417498,0.0007760415,0.01171135],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0006614947,"about_ca_system_score_gemma":0.00163669,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.003765702,"about_ca_topic_score_gemma":0.003421158,"domain_scores_codex":[0.9964754,0.0005860627,0.0004465828,0.0005786885,0.001654205,0.0002590558],"domain_scores_gemma":[0.9926581,0.001070935,0.0004701089,0.0009651322,0.004585228,0.0002505261],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.0002439011,0.0002298759,0.01576439,0.0001731551,0.00004214347,0.0001930274,0.0007277594,0.003229618,0.009858037,0.0103814,0.01668129,0.9424754],"study_design_scores_gemma":[0.0002011485,0.0007935695,0.08107214,0.0003361756,0.0002986985,0.002194484,0.00370026,0.6071243,0.08252195,0.03963832,0.1817255,0.0003934131],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"methods","genre_gemma":"methods","genre_scores_codex":[0.1046352,0.0003300714,0.8411617,0.0005159692,0.0005337929,0.00172256,0.003037754,0.007329433,0.04073349],"genre_scores_gemma":[0.3656344,0.0002779256,0.5752493,0.0001401607,0.0001693997,0.001269921,0.00396061,0.0004221537,0.05287616],"genre_candidate":"methods","genre_consensus":"methods","teacher_disagreement_score":0.02278978,"threshold_uncertainty_score":0.07623941,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01607162703355374,"score_gpt":0.2674973335449551,"score_spread":0.2514257065114013,"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."}}