{"id":"W4321795707","doi":"10.1007/978-3-031-23069-1_7","title":"Open Banking: Opportunities and Risks","year":2023,"lang":"en","type":"book-chapter","venue":"Palgrave studies in financial services technology","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":10,"is_retracted":false,"has_abstract":false,"ca_institutions":"University of Alberta","funders":"","keywords":"Business; Implementation; Retail banking; Commerce; Open data; Open innovation; Finance; Marketing; Engineering; Computer science; World Wide Web","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":[0.001638633,0.0004195019,0.0004044985,0.0009478647,0.002657723,0.01491731,0.0006508515,0.005855249,0.01913459],"category_scores_gemma":[0.005208837,0.000304606,0.0001710635,0.001292393,0.01175237,0.01506395,0.003652969,0.005104945,0.00263517],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002346643,"about_ca_system_score_gemma":0.00223326,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0009871672,"about_ca_topic_score_gemma":0.002401077,"domain_scores_codex":[0.9986123,0.000459401,0.00003448531,0.0001446017,0.0005247995,0.0002244316],"domain_scores_gemma":[0.9980084,0.001126512,0.0001945871,0.000185331,0.0001885417,0.00029659],"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":[0.000011582,0.00001944184,0.0002023841,0.00001704514,0.000001525119,0.00005794693,0.00123212,0.000066813,0.00004547612,0.9655231,0.01587273,0.01694995],"study_design_scores_gemma":[0.000004269116,0.00001035972,0.0004892969,0.0001718179,0.00000200361,0.0001378423,0.00150925,0.0001377996,0.00003939435,0.8069472,0.1905436,0.000007174415],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"other","genre_gemma":"other","genre_scores_codex":[0.01511863,0.06935901,0.003692966,0.06551804,0.001192639,0.0000153149,0.00006587185,0.00005477622,0.8449827],"genre_scores_gemma":[0.6609327,0.03677125,0.001476699,0.009806742,0.004888344,0.00009782679,0.00007153142,0.0001077493,0.2858472],"genre_candidate":"other","genre_consensus":"other","teacher_disagreement_score":0.01913459,"threshold_uncertainty_score":0.06401157,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.166927381385668,"score_gpt":0.3249919540793872,"score_spread":0.1580645726937192,"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."}}