{"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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.002005887,0.0001060753,0.000265487,0.000275607,0.000206517,0.00005797786,0.000258205,0.000109682,0.00003413378],"category_scores_gemma":[0.0001046891,0.00008395189,0.00006788658,0.0002513042,0.0001271983,0.0005558337,0.0001324359,0.0005891836,0.0001258916],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0003242422,"about_ca_system_score_gemma":0.0003969426,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0001367451,"about_ca_topic_score_gemma":0.0002625401,"domain_scores_codex":[0.9977745,0.00001134145,0.0004578556,0.0002264219,0.00006965393,0.00146022],"domain_scores_gemma":[0.9993567,0.0000488283,0.0002683789,0.0001590253,0.00009644541,0.00007058097],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.00006927872,0.00006128182,0.05576289,0.00001416433,0.00001733894,0.000002079496,0.0001559998,7.980977e-8,0.001135149,0.9257046,0.00009466926,0.01698245],"study_design_scores_gemma":[0.0006510651,0.0005334344,0.01486831,0.00007745044,0.00000153365,0.00007139894,0.0001670583,0.000002701092,0.0005135767,0.9744726,0.008509989,0.0001308289],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9831095,0.01028486,0.002966386,0.0008456254,0.0001317838,0.00007863699,0.00005132443,0.000007794256,0.002524067],"genre_scores_gemma":[0.9807434,0.01768384,0.00002278595,0.00002303784,0.0002124869,0.000001823883,0.000001197812,0.00001499719,0.001296433],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.04876803,"threshold_uncertainty_score":0.3423459,"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."}}