{"id":"W3094968322","doi":"10.3846/btp.2020.12606","title":"PEER-TO-PEER LENDING PLATFORM: FROM SUBSTITUTION TO COMPLEMENTARY FOR RURAL BANKS","year":2020,"lang":"en","type":"article","venue":"Verslas teorija ir praktika","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":35,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Loan; General partnership; Panel data; Business; Financial services; Quarter (Canadian coin); Peer-to-peer; Peer group; Rural area; Association (psychology); Financial system; Economics; Finance; Geography; Political science; Econometrics","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":["metaepi_narrow","insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.0003298318,0.0003901072,0.0003775564,0.0002874845,0.0003580186,0.000660622,0.0006031108,0.0001078224,0.0004224402],"category_scores_gemma":[0.0009661201,0.0004197784,0.0001697434,0.0008709813,0.00005135105,0.002494658,0.000490188,0.000223384,0.002607559],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0001930932,"about_ca_system_score_gemma":0.00003610791,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0008347324,"about_ca_topic_score_gemma":0.0001702041,"domain_scores_codex":[0.9974574,0.000004915474,0.0004735804,0.0006350424,0.0007312843,0.0006977119],"domain_scores_gemma":[0.9989082,0.0001212864,0.0002017784,0.0002941763,0.0003846005,0.00008995945],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"not_applicable","study_design_gemma":"not_applicable","study_design_scores_codex":[0.001652229,0.0001834972,0.01896291,0.0003876742,0.0002108595,0.0000580421,0.001225346,0.003247818,0.01584208,0.1369658,0.7864767,0.03478708],"study_design_scores_gemma":[0.001222822,0.0001160616,0.005407557,0.0001041523,0.00006508945,7.807599e-7,0.0006468039,0.003862194,0.001642616,0.00158561,0.9847265,0.0006197373],"study_design_candidate":"not_applicable","study_design_consensus":"not_applicable","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8961887,0.00003927901,0.04587936,0.02728954,0.002391041,0.002075146,0.0005689673,0.0007696861,0.02479832],"genre_scores_gemma":[0.9826763,8.65201e-7,0.003991844,0.009243718,0.001952771,0.0001080987,0.0007881568,0.00007254908,0.001165732],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1982499,"threshold_uncertainty_score":0.9998254,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.04936103980259322,"score_gpt":0.2632827641626442,"score_spread":0.213921724360051,"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."}}