{"id":"W3150537593","doi":"10.34989/swp-2021-23","title":"An Empirical Analysis of Bill Payment Choices","year":2021,"lang":"en","type":"article","venue":"RePEc: Research Papers in Economics","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"Humanities; Political science; Art","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"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":[0.00277448,0.0002460165,0.0003371033,0.002522074,0.001901765,0.00210015,0.001072026,0.0006091717,0.0146217],"category_scores_gemma":[0.02346748,0.0002910913,0.0007257821,0.005543207,0.001024849,0.001570355,0.001165366,0.001489296,0.001806537],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.005351387,"about_ca_system_score_gemma":0.005492287,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.4212953,"about_ca_topic_score_gemma":0.3691567,"domain_scores_codex":[0.9964871,0.0009057922,0.0002473598,0.0003003794,0.0014102,0.0006491721],"domain_scores_gemma":[0.9815273,0.007066911,0.005445536,0.0008415225,0.003732743,0.00138599],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001230354,0.0002012107,0.9697846,0.00007267743,0.00006813025,0.00009766358,0.004274821,0.0002171581,0.00005554735,0.002601015,0.007106414,0.01539772],"study_design_scores_gemma":[0.00001661846,0.0000513412,0.9727383,0.00009612201,0.00002597324,0.00006055798,0.01261298,0.001428882,0.00006017567,0.0004147973,0.01246837,0.00002577925],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9729162,0.000219297,0.0005080228,0.001152641,0.00001827581,0.0001735385,0.007891894,0.00001823629,0.01710181],"genre_scores_gemma":[0.9857901,0.0002732253,0.0008343809,0.0002489756,0.00001413799,0.0001502422,0.006764201,0.00001688229,0.005907966],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.4212953,"threshold_uncertainty_score":0.8376862,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.04939332860334517,"score_gpt":0.3362479181893714,"score_spread":0.2868545895860262,"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."}}