{"id":"W2783540920","doi":"10.5430/ijfr.v9n1p203","title":"Financial Inclusion, Bank Competitiveness and Credit Risk of Commercial Banks in Kenya","year":2017,"lang":"en","type":"article","venue":"International Journal of Financial Research","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":67,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Financial inclusion; Financial system; Business; Financial intermediary; Credit history; Finance; Intermediation; Credit risk; Economics; Financial services","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":[0.005105542,0.0001689845,0.0006630444,0.0009884546,0.0007665195,0.0001325767,0.001639138,0.0002498279,0.0001812262],"category_scores_gemma":[0.007200864,0.0001830766,0.0001828221,0.0002115591,0.0005428112,0.0006452682,0.00191822,0.0009959585,0.00002783303],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0002442303,"about_ca_system_score_gemma":0.0003471718,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.001816756,"about_ca_topic_score_gemma":0.0009785125,"domain_scores_codex":[0.9974402,0.0001027232,0.001314802,0.0003139313,0.0004370793,0.0003912295],"domain_scores_gemma":[0.996666,0.0002692861,0.00154043,0.0003483491,0.001085293,0.00009060533],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.001054066,0.0004313372,0.6246815,0.00003621332,0.00003216934,0.0002591448,0.001921563,0.00002695063,0.0006253525,0.1650011,0.0008643094,0.2050663],"study_design_scores_gemma":[0.001707164,0.0002581934,0.9064093,0.0002501689,0.00000355179,0.00001817972,0.00001101749,0.0001095934,0.000822329,0.05011938,0.0401315,0.0001596669],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9887087,0.002266843,0.001397516,0.001432633,0.001792805,0.0001679844,0.0002377488,0.000002951474,0.003992778],"genre_scores_gemma":[0.9938475,0.004418852,0.0004229413,0.00007882123,0.001055999,0.000005481566,0.0000051106,0.00001749369,0.0001477628],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.2817277,"threshold_uncertainty_score":0.8620627,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0671776659230716,"score_gpt":0.357152403855691,"score_spread":0.2899747379326194,"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."}}