{"id":"W3171999495","doi":"10.2139/ssrn.3538529","title":"Time to act: A field experiment on overdraft alerts","year":2020,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Consumer Market Behavior and Pricing","field":"Business, Management and Accounting","cited_by":3,"is_retracted":false,"has_abstract":false,"ca_institutions":"University of Toronto","funders":"","keywords":"Overdraft; Field (mathematics); Computer science; Business; Computer security; Mathematics","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":[0.008275526,0.00127216,0.001303251,0.0008327675,0.001833137,0.003099776,0.001845632,0.003215824,0.01775385],"category_scores_gemma":[0.06567099,0.001015248,0.000502673,0.0004894648,0.001543959,0.002748129,0.001651322,0.003694899,0.003016776],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0008235478,"about_ca_system_score_gemma":0.001856963,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.002582535,"about_ca_topic_score_gemma":0.002078251,"domain_scores_codex":[0.9949399,0.002453753,0.0004348433,0.0008999583,0.0007858088,0.0004857736],"domain_scores_gemma":[0.8811654,0.09327039,0.005285621,0.00921923,0.003338764,0.007720423],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"nonrandomized_trial","study_design_gemma":"randomized_trial","study_design_scores_codex":[0.2205306,0.4664741,0.03403864,0.001170223,0.000411173,0.0008065923,0.02669309,0.004385948,0.08821248,0.007081353,0.01263859,0.1375572],"study_design_scores_gemma":[0.08288844,0.5687374,0.1796447,0.0006797531,0.001763148,0.0005792928,0.01948291,0.04660198,0.04628491,0.02041435,0.03188862,0.001034484],"study_design_candidate":"randomized_trial","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9946699,0.000029698,0.0008715576,0.0002213879,0.0001884803,0.0007801517,0.0001267373,0.0001332095,0.002978892],"genre_scores_gemma":[0.9850314,0.00005701934,0.003220383,0.0008109383,0.0001049148,0.002207211,0.0002840004,0.0001025382,0.008181529],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01775385,"threshold_uncertainty_score":0.05939251,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01242559280341105,"score_gpt":0.2333173493983693,"score_spread":0.2208917565949583,"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."}}