{"id":"W3209871104","doi":"10.32920/ryerson.14656209.v1","title":"From queue to café: Tangerine’s interventions in Canada’s digital banking","year":2021,"lang":"en","type":"preprint","venue":"","topic":"Cooperative Studies and Economics","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Business; Loyalty; Banking industry; Financial services; FinTech; Marketing; Agile software development; Retail banking; Face (sociological concept); Digital strategy; Accounting; Economics; Digital marketing; Finance; Sociology; Management","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.00005758505,0.0002326249,0.0003890202,0.0001329215,0.00007469793,0.001028279,0.0002619333,0.00005055834,0.002886519],"category_scores_gemma":[0.00008210477,0.0002442326,0.0001470043,0.0001387215,0.000008738105,0.0003851974,0.002791733,0.0002396773,0.00007668908],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0005556374,"about_ca_system_score_gemma":0.0003320572,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9887405,"about_ca_topic_score_gemma":0.9992831,"domain_scores_codex":[0.998759,0.000003245208,0.0004251735,0.0004729529,0.00009027104,0.0002493328],"domain_scores_gemma":[0.9994613,0.00002348595,0.0001136019,0.0002768941,0.0001104512,0.00001429894],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"not_applicable","study_design_scores_codex":[0.00007603981,0.000448616,0.5375912,0.002031945,0.00128569,0.0005971619,0.001905274,0.03928633,0.00002806853,0.01074628,0.3168722,0.0891312],"study_design_scores_gemma":[0.001165299,0.00001140676,0.3122767,0.003698817,0.0001697209,0.000001457109,0.03613614,0.01851469,0.00002094689,0.003404136,0.6215122,0.003088453],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9203134,0.0002413102,0.0006640138,0.004347458,0.002038644,0.0003123769,0.00009631157,0.00003978,0.07194676],"genre_scores_gemma":[0.9955629,0.00001686715,0.0001399559,0.001642287,0.001209211,0.0000506301,0.0004077349,0.00002526747,0.0009451363],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.30464,"threshold_uncertainty_score":0.998025,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03272405406927605,"score_gpt":0.231599943154871,"score_spread":0.198875889085595,"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."}}