{"id":"W2396843519","doi":"","title":"The Adoption of Internet Banking in Nigeria: An Empirical Investigation","year":2006,"lang":"en","type":"article","venue":"The Journal of Internet Banking and Commerce","topic":"ICT Impact and Policies","field":"Engineering","cited_by":95,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"The Internet; Interactivity; Computer science; Computer security; Confidentiality; Business; Information security; Encryption; Internet privacy; World Wide Web","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":[0.0007689281,0.0001005636,0.0001569512,0.0000900943,0.00003576111,0.00005932737,0.0002315881,0.00005031791,0.00001007357],"category_scores_gemma":[0.00002122505,0.00005965343,0.00003903326,0.0001017856,0.00008634134,0.0001589344,0.00003083076,0.0003040946,0.000001166401],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00004134143,"about_ca_system_score_gemma":0.00001031811,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0003000431,"about_ca_topic_score_gemma":0.0004159829,"domain_scores_codex":[0.9991395,0.0001449043,0.0004122678,0.00002556824,0.0001335838,0.0001441538],"domain_scores_gemma":[0.9994612,0.0002142305,0.000150034,0.0001035632,0.00004340462,0.00002750781],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0007774888,0.0001958829,0.5956327,0.0002815182,0.0003460156,0.00001393817,0.2213417,0.04612402,0.03636544,0.006277859,0.0432663,0.04937715],"study_design_scores_gemma":[0.002060618,0.001217266,0.8428769,0.002187563,0.0001432374,0.0008528731,0.0122627,0.07155269,0.03761767,0.01585587,0.01269226,0.0006803284],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9966959,0.0007313082,0.001124374,0.0003992092,0.0002420686,0.00003646802,7.313172e-7,0.00001346719,0.0007564882],"genre_scores_gemma":[0.9994216,0.0001417767,0.00003812829,0.0001170568,0.0001612052,5.747406e-7,0.000001772352,0.00001257697,0.0001053367],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.2472442,"threshold_uncertainty_score":0.2432596,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01857352386145626,"score_gpt":0.261098469559096,"score_spread":0.2425249456976398,"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."}}