{"id":"W2398373886","doi":"","title":"Electronic Payment Systems and Tele-banking Services in Nigeria","year":2006,"lang":"en","type":"article","venue":"The Journal of Internet Banking and Commerce","topic":"ICT Impact and Policies","field":"Engineering","cited_by":68,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Electronic funds transfer; Payment; Telephone banking; Cash; Business; Point of sale; Electronic banking; Debit card; Payment service provider; Credit card; Payment system; Point (geometry); Telecommunications; Loyalty; Retail banking; Marketing; Finance; Computer science; The Internet; 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":[0.0004109444,0.0001056469,0.000172701,0.00008677623,0.00003128402,0.00008716431,0.0001383189,0.00003429756,0.000007884928],"category_scores_gemma":[0.000001538874,0.00006992504,0.00002154346,0.00006021877,0.00002100103,0.00009444927,0.00002641302,0.0002459572,9.56197e-7],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00004901754,"about_ca_system_score_gemma":0.000006244743,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0007414287,"about_ca_topic_score_gemma":0.000312286,"domain_scores_codex":[0.9993514,0.00005537831,0.0002654295,0.00002359516,0.00009291337,0.0002113307],"domain_scores_gemma":[0.9997293,0.00008509038,0.00007955123,0.00006739828,0.00001683754,0.00002177203],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0009201584,0.0003171701,0.4561962,0.002998381,0.001327418,0.0000787357,0.2583692,0.1272767,0.05484378,0.02483973,0.01549687,0.05733556],"study_design_scores_gemma":[0.01000107,0.002970479,0.5538595,0.01429305,0.0006395223,0.01156984,0.05831152,0.1545662,0.02727896,0.0157768,0.1474893,0.003243759],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9889444,0.009274232,0.0002177633,0.0001406373,0.0001469301,0.00004003052,6.501322e-7,0.00001551919,0.001219859],"genre_scores_gemma":[0.9989577,0.0006859854,0.00000422411,0.00008096991,0.0001464912,6.907442e-7,4.99716e-7,0.00001287293,0.0001105885],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.2000577,"threshold_uncertainty_score":0.285146,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.005775548959136886,"score_gpt":0.2128744204061486,"score_spread":0.2070988714470117,"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."}}