{"id":"W427175730","doi":"","title":"Game Changer: Why Host Card Emulation Could Help Banks Reclaim Lost Ground in Digital Payments","year":2014,"lang":"en","type":"article","venue":"ABA banking journal","topic":"Digital Platforms and Economics","field":"Business, Management and Accounting","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Debit card; Credit card; Card security code; Chargeback; Payment; Business; Advertising; ATM card; Phone; Cash; Internet privacy; Commerce; Computer science; Finance","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":["scholarly_communication"],"consensus_categories":[],"category_scores_codex":[0.0005013184,0.0002177525,0.0002660785,0.0003492314,0.0001711688,0.004653363,0.0002437541,0.0001030539,0.0002008305],"category_scores_gemma":[0.00007628653,0.0002035261,0.0001162618,0.0002249591,0.00003217248,0.01182295,0.0001285027,0.0003262455,0.000482938],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00012689,"about_ca_system_score_gemma":0.00001413851,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.000103794,"about_ca_topic_score_gemma":0.000121622,"domain_scores_codex":[0.9985878,0.000002008553,0.0004682706,0.0002378936,0.000255405,0.0004486082],"domain_scores_gemma":[0.999301,0.00003858127,0.0003704597,0.0001622613,0.00009678308,0.00003095999],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0002864952,0.0004691605,0.3976459,0.000305981,0.0002142904,0.0001471984,0.0005276767,0.001933011,0.0003200807,0.03504485,0.008902177,0.5542032],"study_design_scores_gemma":[0.005379029,0.000159289,0.3103337,0.001142089,0.0001029174,0.0002327599,0.001094595,0.03275738,0.00005399132,0.1810409,0.4656882,0.00201514],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.955179,0.00004907298,0.0005392886,0.0002569901,0.0008364635,0.0001166468,0.000003252519,0.00003546336,0.04298376],"genre_scores_gemma":[0.9954908,0.00002050155,0.00002597483,0.001871521,0.002282767,0.000002431919,0.00005884626,0.00003970386,0.0002074522],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.552188,"threshold_uncertainty_score":0.9963799,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01964553663000184,"score_gpt":0.2098206486232541,"score_spread":0.1901751119932523,"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."}}