{"id":"W2525216820","doi":"10.34989/sdp-2016-16","title":"Credit Risk and Collateral Demand in a Retail Payment System","year":2021,"lang":"en","type":"preprint","venue":"Econstor (Econstor)","topic":"Insurance and Financial Risk Management","field":"Economics, Econometrics and Finance","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"Exposition (narrative); Collateral; Humanities; Political science; Payment; Economics; Finance; Art; Law","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow"],"consensus_categories":[],"category_scores_codex":[0.001406866,0.0006786454,0.001831318,0.00074074,0.0002482808,0.000421674,0.000485775,0.00068773,0.0004985445],"category_scores_gemma":[0.0001118391,0.000861313,0.0003789046,0.0002831964,0.000229683,0.0003032472,0.0008375436,0.001076492,0.000371769],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001102577,"about_ca_system_score_gemma":0.0002159622,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.002107615,"about_ca_topic_score_gemma":0.001554669,"domain_scores_codex":[0.9953625,0.0001123372,0.001952129,0.001681937,0.0001087411,0.0007823093],"domain_scores_gemma":[0.9971783,0.00009997406,0.001378614,0.00106006,0.00007119148,0.0002118354],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00003939216,0.0001098841,0.9824494,0.0005067301,0.0001981907,0.0001903881,0.0009173926,0.0002837266,0.000001197077,0.01298921,0.001136507,0.00117796],"study_design_scores_gemma":[0.002205532,0.000105887,0.9525939,0.0009089145,0.00008249191,0.00004599629,0.0008470759,0.003571709,0.00002219107,0.00243231,0.03562527,0.001558699],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9377029,0.01889861,0.0006066962,0.0001634077,0.005203775,0.001044458,0.0008656083,0.0001051617,0.03540938],"genre_scores_gemma":[0.9919543,0.005040806,0.0007698179,0.0001509351,0.0005094687,0.0003306278,0.00009048454,0.00007758442,0.001075933],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.05425144,"threshold_uncertainty_score":0.9993837,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01669362619135501,"score_gpt":0.2015978554732778,"score_spread":0.1849042292819228,"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."}}