{"id":"W2337060719","doi":"","title":"Bank Branch Supply and the Unbanked Phenomenon","year":2017,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":35,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Toronto","funders":"","keywords":"Unbanked; Deregulation; Economics; Bank account; Prosperity; Shock (circulatory); Demographic economics; Supply shock; Sample (material); Poverty; Labour economics; Monetary economics; Business; Financial services; Economic growth; Market economy; Payment; Finance; Monetary policy","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":[0.004451366,0.0001429899,0.0003065956,0.00009518857,0.001248523,0.000414834,0.0006142316,0.00007038117,0.0001167367],"category_scores_gemma":[0.0003094449,0.00011747,0.0001091732,0.00007442215,0.0003804052,0.0003544594,0.00008135471,0.0008466353,0.00006231272],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004150171,"about_ca_system_score_gemma":0.0002368737,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0002715832,"about_ca_topic_score_gemma":0.0004949879,"domain_scores_codex":[0.9978993,0.0000401835,0.0004678549,0.0002897749,0.00006300055,0.001239879],"domain_scores_gemma":[0.998666,0.0000642539,0.0006020246,0.0005764604,0.00004201037,0.00004922619],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.00003955043,0.00002885953,0.05386283,0.000004059504,0.0000538337,2.220207e-7,0.0003736617,0.00001680298,0.000005936095,0.9344968,0.00003146795,0.01108604],"study_design_scores_gemma":[0.00171141,0.00006518776,0.1251148,0.000005603099,0.000009253623,0.00006601487,0.00007654772,0.0004127587,0.000005371132,0.8676915,0.004699742,0.0001418087],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9453526,0.01948558,0.009700304,0.009845863,0.0005256088,0.0002823692,0.00001233682,0.00002393075,0.01477136],"genre_scores_gemma":[0.994464,0.003347089,0.0000522656,0.00007506244,0.0002744582,0.000006364447,0.000001395891,0.00002082218,0.001758539],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.07125196,"threshold_uncertainty_score":0.9602756,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01147871844640704,"score_gpt":0.2184459093528689,"score_spread":0.2069671909064619,"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."}}