{"id":"W4389313743","doi":"10.54452/jrb.1350890","title":"HOW DOES THE FINTECH INNOVATION WAVE AFFECT FINANCIAL MARKETS, THE BANKING INDUSTRY, AND CUSTOMER BEHAVIOR?","year":2023,"lang":"en","type":"article","venue":"Journal of Research in Business","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Financial services; Business; Investment (military); Profitability index; Panel data; Financial market; Emerging markets; Unemployment; Financial innovation; FinTech; Financial system; Finance; Economics; Macroeconomics","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"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":[0.001261011,0.0001459652,0.0002658138,0.0009381777,0.0006946642,0.002268764,0.0003212393,0.001078486,0.007417411],"category_scores_gemma":[0.004851721,0.0000989589,0.0004206003,0.0010647,0.0007452455,0.001711842,0.0008689157,0.0009624628,0.0006083493],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001601484,"about_ca_system_score_gemma":0.001100068,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01113974,"about_ca_topic_score_gemma":0.01881731,"domain_scores_codex":[0.9993398,0.0001780848,0.00002484542,0.00009017215,0.000154112,0.0002128929],"domain_scores_gemma":[0.9943357,0.00210325,0.00188297,0.0001756732,0.0004675129,0.001034881],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0001075374,0.0003872719,0.9705465,0.00002884641,0.00004592202,0.0001403174,0.00217559,0.0001764381,0.0001922596,0.001772681,0.0008175618,0.0236092],"study_design_scores_gemma":[0.000004118961,0.0000740995,0.9922071,0.00003281807,0.00001959808,0.00003436383,0.004730461,0.000349478,0.00008625599,0.0005280953,0.001924345,0.000009205826],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9899325,0.0002576672,0.0001134781,0.0009500904,0.00001714231,0.00001290916,0.0001159705,0.00000404279,0.008596216],"genre_scores_gemma":[0.9981714,0.0001908745,0.00007183718,0.0002045676,0.0000285206,0.000009078512,0.00009396529,0.000002241567,0.001227537],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01113974,"threshold_uncertainty_score":0.02481371,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.09345605102706453,"score_gpt":0.3374759586259484,"score_spread":0.2440199075988838,"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."}}