{"id":"W4381436459","doi":"10.2139/ssrn.3281366","title":"How Regulatory Costs Impede Financial Technology Gains","year":2018,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"ICT Impact and Policies","field":"Engineering","cited_by":0,"is_retracted":false,"has_abstract":false,"ca_institutions":"Western University","funders":"","keywords":"Market segmentation; Business; Primary market; Primary (astronomy); Industrial organization; Marketing; Geography; Stock market","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":[0.009538122,0.0003814715,0.0006125643,0.003340817,0.002798451,0.01569046,0.001233377,0.006921793,0.03026698],"category_scores_gemma":[0.05713106,0.0006224295,0.0006650254,0.001655326,0.005824677,0.007959408,0.004127905,0.006185106,0.002923526],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.005228443,"about_ca_system_score_gemma":0.008951642,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.008925482,"about_ca_topic_score_gemma":0.01009491,"domain_scores_codex":[0.9917588,0.00172728,0.0003517916,0.0007042289,0.002817246,0.00264069],"domain_scores_gemma":[0.9488631,0.03433562,0.005918202,0.002560709,0.005893614,0.002428605],"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":[0.0001898472,0.000229757,0.008348276,0.0001279549,0.00005650846,0.0004052305,0.0007846456,0.006357224,0.0007597518,0.9442312,0.0138472,0.02466247],"study_design_scores_gemma":[0.0001776975,0.0002421803,0.02055802,0.0004117059,0.0001750173,0.0003679422,0.004762287,0.006927983,0.003208522,0.8061081,0.1569189,0.0001416409],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"other","genre_gemma":"empirical","genre_scores_codex":[0.2775856,0.001986565,0.007907191,0.04306542,0.0004615427,0.0001025005,0.0003017116,0.0001966525,0.6683928],"genre_scores_gemma":[0.9739543,0.0005261482,0.0005078355,0.003551705,0.0001597933,0.00003913711,0.00004602609,0.00004663395,0.02116849],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.03026698,"threshold_uncertainty_score":0.1012531,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.004956758704243074,"score_gpt":0.2212622062443956,"score_spread":0.2163054475401525,"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."}}