{"id":"W4313503793","doi":"10.2139/ssrn.4316760","title":"Open Banking: Opportunities and Risks","year":2023,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":2,"is_retracted":false,"has_abstract":false,"ca_institutions":"University of Alberta","funders":"","keywords":"Business; Financial system","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":[0.002493888,0.000253905,0.0004369656,0.001464633,0.001152245,0.008169885,0.0004426485,0.003191761,0.009729275],"category_scores_gemma":[0.01400914,0.0002563782,0.0002158708,0.001365139,0.004506022,0.009005859,0.002150362,0.002992011,0.0008469034],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001202922,"about_ca_system_score_gemma":0.0007706202,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0004795049,"about_ca_topic_score_gemma":0.0009824614,"domain_scores_codex":[0.9981343,0.0007852381,0.00007430239,0.0002294252,0.0005252963,0.0002514905],"domain_scores_gemma":[0.9862788,0.009202939,0.002420525,0.0005427294,0.0006856261,0.0008694177],"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":[0.00009042572,0.00006161167,0.009743442,0.00007119241,0.00001873898,0.0002438002,0.0007250004,0.001583266,0.0001830294,0.9501204,0.004946481,0.03221254],"study_design_scores_gemma":[0.000007345634,0.00001953985,0.004106904,0.00009436854,0.00001050395,0.0002443575,0.0007229834,0.001822875,0.00008861815,0.9832834,0.009584188,0.00001482296],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.4107374,0.07368291,0.04685263,0.1872967,0.0009160917,0.00003609336,0.0004937523,0.0001639665,0.2798205],"genre_scores_gemma":[0.9832302,0.006790861,0.0006294316,0.0006208296,0.001072941,0.00001321685,0.00003131821,0.00001656873,0.00759472],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.009729275,"threshold_uncertainty_score":0.03254765,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.08863719145548045,"score_gpt":0.2857003632094534,"score_spread":0.197063171753973,"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."}}