{"id":"W3163023764","doi":"10.5430/ijfr.v12n4p212","title":"Students Perception About Digital Financial Services","year":2021,"lang":"en","type":"article","venue":"International Journal of Financial Research","topic":"Business, Innovation, and Economy","field":"Economics, Econometrics and Finance","cited_by":5,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Mobile banking; Business; Financial services; Debit card; The Internet; Telephone banking; Usability; Perception; Likert scale; Credit card; Adaptability; Marketing; Financial transaction; Finance; Service (business); Database transaction; Computer science; Payment; Psychology; Economics; Management","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001459837,0.0001170794,0.0003016354,0.0006530426,0.000148451,0.0006185149,0.0008976234,0.0001318412,0.0008690354],"category_scores_gemma":[0.001002492,0.0001351335,0.0001633537,0.0005095971,0.00008721319,0.001270007,0.0002187339,0.0004701295,0.0005937704],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0003177565,"about_ca_system_score_gemma":0.0003828381,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00008102303,"about_ca_topic_score_gemma":0.0000496966,"domain_scores_codex":[0.997981,0.00002363574,0.0009889818,0.0002612255,0.0004391944,0.0003060053],"domain_scores_gemma":[0.9968821,0.00007231019,0.0004623685,0.000165397,0.002331854,0.00008591767],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0002340709,0.0006518427,0.8814684,0.00004845866,0.0001018463,0.0003110673,0.001040232,0.00005132597,0.0002324261,0.03740137,0.005963339,0.07249558],"study_design_scores_gemma":[0.0007980331,0.0000607455,0.863264,0.00008507839,0.000001755353,0.00007004102,0.00006378169,0.00004653658,0.00008812432,0.01780688,0.1175848,0.0001301522],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9877462,0.000630123,0.001229463,0.0008638303,0.002387084,0.00006637353,0.0001100757,0.000007136137,0.006959745],"genre_scores_gemma":[0.9948937,0.0004975171,0.0003319221,0.000399826,0.002189365,0.00000538249,0.00004060685,0.00001609094,0.001625607],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1116215,"threshold_uncertainty_score":0.9515329,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.06078115083826137,"score_gpt":0.3465574098959449,"score_spread":0.2857762590576836,"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."}}