{"id":"W2303141977","doi":"","title":"Adoption and use of SMS/Mobile banking services in Zimbabwe: an exploratory study","year":2011,"lang":"en","type":"article","venue":"The Journal of Internet Banking and Commerce","topic":"ICT Impact and Policies","field":"Engineering","cited_by":33,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Mobile banking; SMS banking; Exploratory research; Business; Appeal; Service (business); Marketing; Short Message Service; Computer science; Telecommunications; Political science","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0004866245,0.00009744999,0.0001772531,0.0001212016,0.00002301182,0.00003316423,0.0001469154,0.0000318415,0.00001968559],"category_scores_gemma":[0.000003890264,0.00006810243,0.0000191381,0.00006657701,0.00003189564,0.0003912073,0.00004420281,0.0002015096,4.131769e-7],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00001308582,"about_ca_system_score_gemma":0.000004295063,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0003238103,"about_ca_topic_score_gemma":0.0003789481,"domain_scores_codex":[0.9993832,0.0001145286,0.0002782885,0.00002674118,0.0000892551,0.0001080166],"domain_scores_gemma":[0.9996408,0.00007521096,0.0001071852,0.000105091,0.00003728807,0.00003438555],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"qualitative","study_design_gemma":"observational","study_design_scores_codex":[0.000273938,0.0002337167,0.1937975,0.00015981,0.0001478125,0.000008662453,0.7838852,0.001609991,0.003097323,0.0001218805,0.0001062029,0.01655793],"study_design_scores_gemma":[0.002216177,0.003343183,0.7851961,0.001695891,0.0002396922,0.0003545324,0.1888985,0.008321444,0.00768724,0.0005482006,0.0009945595,0.0005044433],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.998884,0.0006772187,0.00009917415,0.000006272378,0.00009438131,0.00006453485,9.543708e-7,0.00001203054,0.0001614497],"genre_scores_gemma":[0.9995291,0.0003119286,0.00004279599,0.00005202661,0.00003855491,0.000001167659,2.879912e-7,0.00001312635,0.00001105108],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5949867,"threshold_uncertainty_score":0.2777137,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03806860023467067,"score_gpt":0.2532061942382124,"score_spread":0.2151375940035418,"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."}}