{"id":"W2975092374","doi":"10.2478/fiqf-2019-0013","title":"AN ESSENTIAL REVIEW OF INTERNET BANKING SERVICES IN DEVELOPING COUNTRIES","year":2019,"lang":"en","type":"article","venue":"Financial Internet Quarterly","topic":"Technology Adoption and User Behaviour","field":"Decision Sciences","cited_by":18,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Theory of reasoned action; Technology acceptance model; The Internet; Developing country; Theory of planned behavior; Knowledge management; Work (physics); Business; Business model; Action (physics); Usability; Marketing; Public relations; Political science; Psychology; Computer science; Engineering; Management; Economics; Control (management); World Wide Web; Economic growth","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["insufficient_payload"],"consensus_categories":["insufficient_payload"],"category_scores_codex":[0.001341307,0.0001873296,0.0005380999,0.0004120716,0.00001732101,0.0001064706,0.001286523,0.0001883435,0.001986268],"category_scores_gemma":[0.00007546392,0.0001606473,0.0001058315,0.0005540868,0.00008392301,0.0006271303,0.00007529195,0.0002280792,0.0008001547],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00005266878,"about_ca_system_score_gemma":0.0001272006,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0003937501,"about_ca_topic_score_gemma":0.0013722,"domain_scores_codex":[0.9973468,0.0001565652,0.0011024,0.0005141377,0.0006073131,0.0002727487],"domain_scores_gemma":[0.9985445,0.0001067878,0.0004424145,0.0005674789,0.0002957501,0.00004308825],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0002061306,0.0002537125,0.8197032,0.001709442,0.00001961205,0.00006515717,0.01185675,0.000003450084,0.0004519319,0.09537675,0.006617366,0.06373653],"study_design_scores_gemma":[0.001267944,0.00132939,0.773789,0.01399604,0.00002638514,0.00004156927,0.00144941,0.001073864,0.002405442,0.00972421,0.1941144,0.0007822762],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9939104,0.000918892,0.003006018,0.0005712401,0.000853688,0.0002661124,0.00001621163,0.00006433825,0.000393112],"genre_scores_gemma":[0.9969423,0.0001531832,0.000674687,0.001515049,0.00004191204,0.00001395225,0.00001723173,0.00001194467,0.000629753],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1874971,"threshold_uncertainty_score":0.9999778,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03033509562065222,"score_gpt":0.347060214851894,"score_spread":0.3167251192312417,"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."}}