{"id":"W3124489318","doi":"10.2139/ssrn.2844388","title":"Research and Impacts of Digital Financial Services","year":2016,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Microfinance and Financial Inclusion","field":"Economics, Econometrics and Finance","cited_by":25,"is_retracted":false,"has_abstract":false,"ca_institutions":"Kellogg's (Canada)","funders":"","keywords":"Financial inclusion; Financial services; Work (physics); Key (lock); Business; Finance; Computer science; Engineering; Computer security","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":[0.002405696,0.0002707516,0.0003054538,0.004498858,0.001378951,0.005911974,0.0008150534,0.001458036,0.05156448],"category_scores_gemma":[0.01881841,0.000134261,0.0005601107,0.006881265,0.002620481,0.00556673,0.002971514,0.00153739,0.001962676],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00404688,"about_ca_system_score_gemma":0.003552697,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.02211822,"about_ca_topic_score_gemma":0.03026246,"domain_scores_codex":[0.9968772,0.001186311,0.000142299,0.000210654,0.0007173963,0.0008661559],"domain_scores_gemma":[0.9818523,0.008771468,0.003954233,0.0004631587,0.002164039,0.002794737],"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":[0.001461693,0.002819238,0.3639355,0.0008626729,0.0001594126,0.001547261,0.006690901,0.001027636,0.0008090055,0.2708805,0.01920334,0.3306028],"study_design_scores_gemma":[0.0001330265,0.0005665643,0.6884194,0.002381272,0.0003476843,0.001013865,0.05552315,0.002163703,0.002292702,0.05864093,0.1884587,0.00005900099],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"review","genre_scores_codex":[0.7306227,0.0187882,0.0002774013,0.05086955,0.0003391273,0.0000490382,0.001637299,0.00002292923,0.1973937],"genre_scores_gemma":[0.9825615,0.005926508,0.00008778943,0.0009416945,0.000282933,0.000009471804,0.0001804209,0.000009875095,0.009999766],"genre_candidate":"review","genre_consensus":null,"teacher_disagreement_score":0.05156448,"threshold_uncertainty_score":0.1725004,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02098913440627493,"score_gpt":0.2581830622237501,"score_spread":0.2371939278174752,"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."}}