{"id":"W4390990310","doi":"10.2139/ssrn.4683154","title":"The Need for Speed: The Benefits of Faster Payments and How to Achieve Them","year":2024,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Transport and Economic Policies","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":false,"ca_institutions":"Queen's University","funders":"","keywords":"Payment; Cash; Business; Competition (biology); Payment system; Industrial organization; Economics; Finance","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0008484139,0.00009742737,0.00009966705,0.00005519479,0.0002649858,0.0004286789,0.0002224724,0.00002323402,0.000006965266],"category_scores_gemma":[0.0000116454,0.00005050696,0.00007903811,0.00009849458,0.00003430944,0.000328439,0.00003603671,0.0002802902,0.00001721782],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00004760072,"about_ca_system_score_gemma":0.00007818345,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00005276485,"about_ca_topic_score_gemma":0.0006676888,"domain_scores_codex":[0.9989117,0.00000322886,0.0001326585,0.00009533572,0.0000797234,0.0007773689],"domain_scores_gemma":[0.9997494,0.0000537973,0.00006928626,0.00008847443,0.00003005491,0.000009019829],"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":[0.0001591138,0.00001446353,0.004746021,0.00005239652,0.0003163182,3.36937e-7,0.0004424342,0.00007461121,0.000214907,0.8756047,0.003382601,0.1149921],"study_design_scores_gemma":[0.001059941,0.000159593,0.01270754,0.0001338029,0.0002958859,0.00006764369,0.01145308,0.001683826,0.0001366333,0.4328527,0.5390673,0.0003820141],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9563659,0.002188727,0.0004794255,0.03879587,0.0004074407,0.0002268954,0.000004391056,0.00001911764,0.001512191],"genre_scores_gemma":[0.9952172,0.0006477354,0.000005531828,0.0005255009,0.00103254,0.000005407302,0.000001694757,0.00001727218,0.002547138],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5356847,"threshold_uncertainty_score":0.4133761,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0156381185775541,"score_gpt":0.2103940777609141,"score_spread":0.19475595918336,"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."}}