{"id":"W4226056096","doi":"10.3390/jrfm15040163","title":"Digital Twin: Financial Technology’s Next Frontier of Robo-Advisor","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":78,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Universiti Brunei Darussalam","keywords":"Financial services; Personalization; Finance; Exploratory research; Service (business); Financial management; Financial modeling; Business; Computer science; Knowledge management; Marketing; 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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001956826,0.0005013319,0.0002574182,0.001960429,0.002491849,0.01084136,0.0009361352,0.001750683,0.01192371],"category_scores_gemma":[0.005479443,0.0002393381,0.0003669448,0.001614199,0.008457371,0.01498159,0.006097195,0.001915936,0.001127476],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.003222435,"about_ca_system_score_gemma":0.002611182,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.004181366,"about_ca_topic_score_gemma":0.005726284,"domain_scores_codex":[0.9979862,0.000828677,0.00008856638,0.0002399454,0.0005299841,0.0003266845],"domain_scores_gemma":[0.9976132,0.0007868689,0.000350824,0.0002465988,0.00034759,0.0006549057],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.00009827206,0.00006162942,0.0103743,0.0003664055,0.00002068021,0.0006193459,0.01984818,0.001386801,0.001778326,0.8087712,0.007695366,0.1489795],"study_design_scores_gemma":[0.00002380843,0.0002695078,0.01558047,0.001158663,0.00005346465,0.002546763,0.06065514,0.008881883,0.002994387,0.1934979,0.7141833,0.0001547471],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"other","genre_gemma":"empirical","genre_scores_codex":[0.2150106,0.004266074,0.1273614,0.0177358,0.000531861,0.0002129432,0.0001644938,0.0004466081,0.6342702],"genre_scores_gemma":[0.9400586,0.001372754,0.03410216,0.0009970086,0.0000844299,0.00007841578,0.00006673644,0.00006664779,0.02317327],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.01192371,"threshold_uncertainty_score":0.03988874,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.00650484624104637,"score_gpt":0.182303669836142,"score_spread":0.1757988235950957,"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."}}