{"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":"codex-gemma-dda1882f352a","candidate_categories":["scholarly_communication"],"consensus_categories":[],"category_scores_codex":[0.00636129,0.0001676728,0.000229594,0.001775914,0.0004071113,0.001521759,0.0007276674,0.0001837676,0.00002697492],"category_scores_gemma":[0.006336561,0.00008745932,0.0000502754,0.009887005,0.0003916002,0.001884796,0.0007746695,0.001650464,0.00001880774],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0001004445,"about_ca_system_score_gemma":0.0001389049,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0001171012,"about_ca_topic_score_gemma":0.00007847276,"domain_scores_codex":[0.997785,0.00006931012,0.0004155121,0.00020967,0.0009946157,0.0005258944],"domain_scores_gemma":[0.9971921,0.000536481,0.0004018967,0.0003012777,0.001556904,0.00001126766],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0006896439,0.0002959862,0.4316988,0.00110343,0.00005752869,0.001738521,0.0002435241,0.00005742968,0.004736048,0.05523071,0.108711,0.3954374],"study_design_scores_gemma":[0.0005012168,0.00001601204,0.8907972,0.0006910323,0.00001481104,0.00007299479,0.000502006,0.0002770284,0.000231722,0.01024269,0.09648735,0.0001659554],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9679091,0.00009424104,0.00003667993,0.0298223,0.0006558662,0.0003802615,0.000002946914,0.00002840508,0.001070172],"genre_scores_gemma":[0.9976531,0.0001019693,0.00002603212,0.0001901032,0.001271015,0.00003544186,0.00000411861,0.00002780275,0.0006903946],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.4590984,"threshold_uncertainty_score":0.9995148,"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."}}