{"id":"W4376128508","doi":"10.2308/jeta-2022-003","title":"Internet of Things and Blockchain-Based Smart Contracts: Enabling Continuous Risk Monitoring and Assessment in Peer-to-Peer Lending","year":2023,"lang":"en","type":"article","venue":"Journal of Emerging Technologies in Accounting","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":12,"is_retracted":false,"has_abstract":true,"ca_institutions":"PricewaterhouseCoopers (Canada)","funders":"","keywords":"Smart contract; Blockchain; Loan; Risk management; Juvenile delinquency; Control (management); Business; Settlement (finance); Risk assessment; The Internet; Finance; Peer-to-peer; Risk analysis (engineering); Computer security; 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":[0.002383185,0.0003041278,0.0002412192,0.0006734279,0.0007591654,0.001681468,0.0008598079,0.0008699977,0.003373294],"category_scores_gemma":[0.004669643,0.000233713,0.0002200734,0.0009543379,0.001001758,0.003558253,0.002263242,0.0007476609,0.0005283955],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0006215546,"about_ca_system_score_gemma":0.001215106,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.002770482,"about_ca_topic_score_gemma":0.001814863,"domain_scores_codex":[0.9985856,0.00060654,0.00008422945,0.0001407195,0.0004504507,0.0001324482],"domain_scores_gemma":[0.9965025,0.001674987,0.0004811398,0.0005287135,0.0005771085,0.0002355631],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.001321683,0.0008270963,0.04331046,0.000767326,0.0001257329,0.003060381,0.002811584,0.218783,0.03373111,0.1746899,0.0184872,0.5020846],"study_design_scores_gemma":[0.0001118679,0.0003763326,0.007874701,0.0001481085,0.00005073616,0.0006323215,0.001276552,0.8490635,0.01613558,0.09322908,0.03101731,0.00008400442],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"methods","genre_gemma":"empirical","genre_scores_codex":[0.4464779,0.0008187698,0.4926709,0.004454315,0.0002920349,0.0007463143,0.0004371726,0.002228753,0.05187374],"genre_scores_gemma":[0.9722793,0.0001878587,0.0251358,0.0000905697,0.00002666543,0.00008617892,0.00008313252,0.00002421436,0.002086328],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.003373294,"threshold_uncertainty_score":0.01260364,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02154228241318942,"score_gpt":0.2777279157727414,"score_spread":0.256185633359552,"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."}}