{"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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001002406,0.0002095975,0.0002962098,0.0007174535,0.0009416397,0.003037201,0.0005602532,0.0005725212,0.01225373],"category_scores_gemma":[0.005997254,0.0001153834,0.0002718885,0.001350855,0.001141726,0.002749134,0.002737995,0.00115725,0.001254927],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001400422,"about_ca_system_score_gemma":0.002883976,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.005468471,"about_ca_topic_score_gemma":0.009298747,"domain_scores_codex":[0.9985703,0.0004691112,0.00004496845,0.0001790923,0.0003509634,0.0003855668],"domain_scores_gemma":[0.994538,0.001406348,0.001729318,0.0002487148,0.0006737339,0.001403857],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"not_applicable","study_design_scores_codex":[0.000971696,0.001510955,0.6502073,0.0006894324,0.0002171091,0.003672296,0.008332308,0.004119958,0.003192211,0.06203278,0.01738783,0.2476662],"study_design_scores_gemma":[0.000161853,0.0009820613,0.8216766,0.0006385503,0.0003325645,0.002219901,0.0435594,0.01317824,0.003368891,0.02288544,0.09089669,0.00009980484],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9549249,0.0005364594,0.001165334,0.002774803,0.00005415941,0.00007386239,0.0003114228,0.00005299347,0.04010601],"genre_scores_gemma":[0.9964387,0.0002698381,0.0002611642,0.0001220897,0.00003364406,0.00001551474,0.00007216679,0.000007775884,0.002779113],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01225373,"threshold_uncertainty_score":0.0409928,"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."}}