{"id":"W3094006770","doi":"10.2139/ssrn.3579149","title":"How Voluntary Information Sharing Systems Form: Evidence from a U.S. Commercial Credit Bureau","year":2020,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":14,"is_retracted":false,"has_abstract":false,"ca_institutions":"Kellogg's (Canada)","funders":"","keywords":"Business; Turnover; Accounting; Actuarial science; Finance; Economics; Management","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.01214829,0.0001439692,0.0002949363,0.001710302,0.002127426,0.005685737,0.001017144,0.001743102,0.01232677],"category_scores_gemma":[0.09647794,0.0003869769,0.0001920765,0.003443015,0.001959649,0.003107857,0.002275323,0.001598725,0.001577138],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001853411,"about_ca_system_score_gemma":0.002955933,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.04103462,"about_ca_topic_score_gemma":0.04070554,"domain_scores_codex":[0.9930241,0.003189306,0.0004485445,0.0007069879,0.001845683,0.0007854331],"domain_scores_gemma":[0.8071253,0.1140942,0.04944625,0.01114262,0.01261951,0.005572123],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.001254758,0.001186979,0.8112804,0.0001653086,0.0001450692,0.0001555511,0.01201968,0.001778696,0.0008768686,0.03250202,0.02243801,0.1161966],"study_design_scores_gemma":[0.000229733,0.0002981146,0.9454004,0.0001922468,0.0001220463,0.0001290832,0.009291695,0.00481999,0.001110183,0.01528977,0.02305177,0.00006498713],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9603508,0.0006276544,0.001149637,0.004976601,0.00002715202,0.00008213343,0.0008253415,0.00004577652,0.03191506],"genre_scores_gemma":[0.9966398,0.000214809,0.0002229498,0.0002618833,0.00001990806,0.00002247559,0.0002777151,0.00001151632,0.002328912],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.04103462,"threshold_uncertainty_score":0.08159155,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03326586826968755,"score_gpt":0.2294280063062728,"score_spread":0.1961621380365852,"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."}}