{"id":"W3142894279","doi":"10.2139/ssrn.3538527","title":"Sending Out an SMS: The Impact of Automatically Enrolling Consumers Into Overdraft Alerts","year":2018,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":8,"is_retracted":false,"has_abstract":false,"ca_institutions":"University of Toronto","funders":"","keywords":"Overdraft; Business; Computer security; Computer science; Internet privacy; Advertising","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":[0.002722984,0.0006404839,0.0003832138,0.0008558301,0.0007575798,0.002067437,0.0007925096,0.002094394,0.0295795],"category_scores_gemma":[0.04256187,0.0002724376,0.0003839762,0.0005431859,0.0002520499,0.001669081,0.0009989575,0.001480969,0.008956973],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0006031233,"about_ca_system_score_gemma":0.001072659,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.008490809,"about_ca_topic_score_gemma":0.007818921,"domain_scores_codex":[0.9970604,0.001548894,0.0001417384,0.0002362884,0.0007856589,0.0002271315],"domain_scores_gemma":[0.9471924,0.04246191,0.002048965,0.001443065,0.004261851,0.002591836],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"observational","study_design_scores_codex":[0.01154221,0.008054656,0.2314282,0.000710015,0.0001846787,0.0009463843,0.002150416,0.003859022,0.01220059,0.0008934699,0.264638,0.4633924],"study_design_scores_gemma":[0.002468675,0.01240113,0.6969495,0.0006641682,0.001741138,0.001277122,0.01438312,0.1756172,0.02561905,0.005153337,0.06325474,0.0004708459],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9210761,0.0004486917,0.00363173,0.02161206,0.001751193,0.0008520196,0.0053366,0.01109757,0.03419402],"genre_scores_gemma":[0.9786726,0.0001979085,0.004375934,0.003219907,0.0004600419,0.0001551024,0.001741227,0.0002401142,0.01093712],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.0295795,"threshold_uncertainty_score":0.09895325,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0112566925959352,"score_gpt":0.2799377262061947,"score_spread":0.2686810336102595,"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."}}