{"id":"W4385318432","doi":"10.3390/jrfm16080346","title":"Electronic Payment Behaviors of Consumers under Digital Transformation in Finance—A Case Study of Third-Party Payments","year":2023,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Technology Adoption and User Behaviour","field":"Decision Sciences","cited_by":9,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Payment; Business; Payment service provider; Context (archaeology); Payment system; E-commerce; Financial transaction; Empirical research; Financial services; Service (business); Marketing; Quality (philosophy); Third party; Finance; Internet privacy; Computer science; World Wide Web; Database","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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001112251,0.0001865946,0.0002598545,0.000650274,0.001371753,0.001033135,0.000266934,0.001084274,0.001506035],"category_scores_gemma":[0.003206948,0.0001758371,0.0003436437,0.0007857071,0.0006418765,0.0009663246,0.000544866,0.0007771575,0.0002166465],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0007536203,"about_ca_system_score_gemma":0.000512774,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.006807422,"about_ca_topic_score_gemma":0.00728478,"domain_scores_codex":[0.9994078,0.0002829907,0.00002920349,0.00005301212,0.0001032263,0.0001239274],"domain_scores_gemma":[0.9981674,0.0009441269,0.0003181958,0.00008733012,0.0003196146,0.0001633126],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.000332369,0.003389032,0.8453257,0.00007828032,0.00004047647,0.004043086,0.1144034,0.0002503482,0.002814255,0.0009158232,0.0005209666,0.02788625],"study_design_scores_gemma":[0.00003362617,0.001444352,0.7826092,0.00004233192,0.00007203258,0.00245205,0.2039056,0.004186093,0.001731838,0.0004279448,0.003023884,0.00007103881],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9997608,0.000005690765,0.00003375195,0.00003135612,4.640056e-7,0.000006479125,0.000005686951,4.506948e-7,0.0001552444],"genre_scores_gemma":[0.9994475,0.0000298516,0.0001414243,0.00003474544,0.00000188247,0.000009423056,0.00001735938,7.496666e-7,0.0003169774],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.006807422,"threshold_uncertainty_score":0.01353556,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03620857666286153,"score_gpt":0.3309557310578709,"score_spread":0.2947471543950094,"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."}}