{"id":"W4378225958","doi":"10.3390/jrfm16060286","title":"Does Previous Experience with the Unified Payments Interface (UPI) Affect the Usage of Central Bank Digital Currency (CBDC)?","year":2023,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Technology Adoption and User Behaviour","field":"Decision Sciences","cited_by":67,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Moderation; Digital currency; Expectancy theory; Structural equation modeling; Affect (linguistics); Social influence; Psychology; Payment; Conceptual framework; Business; Social psychology; Computer science","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001112585,0.0001244751,0.0002263061,0.0001930594,0.000216143,0.0001652908,0.0007988389,0.00004336204,0.00002522013],"category_scores_gemma":[0.000278692,0.00004378421,0.00009878037,0.0007403921,0.0002734108,0.000279857,0.0002642545,0.0002599741,0.00001030512],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00001611619,"about_ca_system_score_gemma":0.00002122322,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.000006241172,"about_ca_topic_score_gemma":0.00001997844,"domain_scores_codex":[0.9983172,0.0001019138,0.0004718561,0.0001847712,0.0007044318,0.0002197836],"domain_scores_gemma":[0.998728,0.0002332543,0.0005587584,0.0003250088,0.0001041464,0.00005078044],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"observational","study_design_scores_codex":[0.0002456007,0.0001410117,0.4592073,0.00001139341,0.00003354731,0.00008424142,0.006292566,0.0001407248,0.00002109959,0.00193522,0.005762079,0.5261253],"study_design_scores_gemma":[0.0005831074,0.0002630517,0.9401286,0.00006438726,0.00005625586,0.00001306942,0.006943935,0.00004153386,0.0001060865,0.002540017,0.04916507,0.00009494847],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9873178,0.0002102232,0.01076202,0.0007884537,0.0005258381,0.0002255338,0.00001633674,0.00001679031,0.0001370315],"genre_scores_gemma":[0.9981411,0.000945303,0.00007430586,0.000034249,0.00003970954,0.000006082131,3.162605e-7,0.000004907828,0.000754075],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5260303,"threshold_uncertainty_score":0.1785468,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03002939492524163,"score_gpt":0.3177680022788345,"score_spread":0.2877386073535929,"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."}}