{"id":"W4213241446","doi":"10.3390/jrfm15020077","title":"Opportunities and Barriers for FinTech in SAARC and ASEAN Countries","year":2022,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":59,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Financial inclusion; Index (typography); Financial services; Business; Population; Payment; Purchasing; FinTech; Asset (computer security); Economics; Economic growth; Marketing; Finance; Computer science; Sociology","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":[0.0008726452,0.0001464633,0.0002636567,0.0005332814,0.0003568693,0.0002377038,0.0001302794,0.00002920076,0.00002471245],"category_scores_gemma":[0.0001793201,0.0001446946,0.00004753358,0.0001999854,0.0001166004,0.0006992146,0.0003614859,0.0001918808,5.174292e-7],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00004482649,"about_ca_system_score_gemma":0.00002428022,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00007386673,"about_ca_topic_score_gemma":0.00006723608,"domain_scores_codex":[0.9990031,0.000009885445,0.000373095,0.0001756421,0.0002149291,0.0002233144],"domain_scores_gemma":[0.9994143,0.00005885486,0.000363512,0.00007129218,0.00006764881,0.00002441541],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"not_applicable","study_design_scores_codex":[0.001148598,0.0001096748,0.1254519,0.001039381,0.00004893453,0.0004617326,0.0007273171,0.00007823179,0.00001122458,0.4791336,0.01960098,0.3721885],"study_design_scores_gemma":[0.001444157,0.0001368563,0.04856769,0.0001050939,0.00007598096,0.00002512089,0.003071176,0.0002717605,0.000004990377,0.03119249,0.9148773,0.0002273948],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9887182,0.00229855,0.004159121,0.001291599,0.0005064064,0.0004521325,0.00005332591,0.00002065806,0.002500085],"genre_scores_gemma":[0.996179,0.002184909,0.0003371208,0.0008051784,0.0001883942,0.00002670314,0.000003338063,0.00001621142,0.0002591212],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.8952763,"threshold_uncertainty_score":0.5900475,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01430268570870034,"score_gpt":0.2081022753917323,"score_spread":0.1937995896830319,"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."}}