{"id":"W4392145541","doi":"10.3386/w32089","title":"Customer Data Access and Fintech Entry: Early Evidence from Open Banking","year":2024,"lang":"en","type":"report","venue":"National Bureau of Economic Research","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":18,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Economic and Social Research Council; Social Sciences and Humanities Research Council of Canada; Center for Depression Research and Clinical Care, University of Texas Southwestern Medical Center","keywords":"Business; Commerce; Telecommunications; Computer science","routes":{"ca_aff":false,"ca_fund":true,"ca_venue":false,"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":[0.004141625,0.0003020491,0.0004783453,0.002081378,0.001844308,0.004125908,0.001086242,0.001655332,0.02776872],"category_scores_gemma":[0.03024703,0.0003443881,0.0004656092,0.005409481,0.001940543,0.003848992,0.003397071,0.002793544,0.002129639],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002218254,"about_ca_system_score_gemma":0.002023567,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.06595302,"about_ca_topic_score_gemma":0.08507297,"domain_scores_codex":[0.9968358,0.0009057324,0.0002053728,0.0003586748,0.00105599,0.0006385716],"domain_scores_gemma":[0.9049174,0.05836944,0.02023253,0.003111609,0.009170313,0.004198729],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.001511535,0.001024544,0.8799542,0.0005019309,0.0001669745,0.0008925672,0.006604444,0.0003783603,0.0001562614,0.01319611,0.02246007,0.0731531],"study_design_scores_gemma":[0.00008984189,0.0002502748,0.9474375,0.0006776233,0.0001745868,0.0002905776,0.007222311,0.0008520709,0.0005300168,0.003956628,0.03844996,0.00006861475],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8798378,0.007365694,0.0007990979,0.0102742,0.00007760934,0.0001593052,0.006073051,0.00005469364,0.09535854],"genre_scores_gemma":[0.9837071,0.003042697,0.0002065832,0.001346377,0.00009783619,0.00004567578,0.002539343,0.00002566564,0.008988779],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.06595302,"threshold_uncertainty_score":0.1311383,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.621533354317979,"score_gpt":0.5476962637127472,"score_spread":0.0738370906052318,"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."}}