{"id":"W2793286537","doi":"10.1002/jcpy.1031","title":"If You Are Going to Pay Within the Next 24 Hours, Press 1: Automatic Planning Prompt Reduces Credit Card Delinquency","year":2018,"lang":"en","type":"article","venue":"Journal of Consumer Psychology","topic":"Decision-Making and Behavioral Economics","field":"Decision Sciences","cited_by":28,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Rotman School of Management, University of Toronto; University of Toronto","keywords":"Concreteness; Juvenile delinquency; Psychology; Action (physics); Credit card; Test (biology); Plan (archaeology); Debt; Business; Cognitive psychology; Finance; Payment; Criminology","routes":{"ca_aff":false,"ca_fund":true,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0008876625,0.0004932659,0.0004574132,0.0003203548,0.0002986154,0.0005517761,0.0004890299,0.000721679,0.04173166],"category_scores_gemma":[0.010835,0.0002436035,0.0001733649,0.0001633064,0.000303865,0.0006425082,0.0004585102,0.0007075247,0.002583121],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0002178117,"about_ca_system_score_gemma":0.0004181745,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0007026721,"about_ca_topic_score_gemma":0.001286505,"domain_scores_codex":[0.9995179,0.0002422516,0.00004312315,0.00008292206,0.00006713126,0.00004675459],"domain_scores_gemma":[0.9943764,0.003714058,0.0008724026,0.0002905687,0.0001683775,0.0005781933],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"randomized_trial","study_design_scores_codex":[0.06129096,0.06659269,0.03231566,0.003541952,0.0002582793,0.0003824533,0.003339797,0.002791603,0.04744282,0.002362904,0.03748726,0.7421936],"study_design_scores_gemma":[0.02435577,0.1545849,0.6446373,0.001640249,0.002188539,0.0009919883,0.005338429,0.03209545,0.05779757,0.01150411,0.0644315,0.0004341832],"study_design_candidate":"randomized_trial","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9866962,0.0001216837,0.003516092,0.0008355103,0.0002101984,0.0005693787,0.0004155205,0.001390119,0.006245273],"genre_scores_gemma":[0.9814881,0.0001804697,0.01013643,0.0004518579,0.0001100149,0.000994278,0.0002987544,0.00006639952,0.006273658],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.04173166,"threshold_uncertainty_score":0.1396063,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.2445947451759521,"score_gpt":0.4629826074575636,"score_spread":0.2183878622816116,"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."}}