{"id":"W4400989925","doi":"10.69554/xdju5943","title":"Why are open banking models in Europe underperforming?","year":2022,"lang":"en","type":"article","venue":"Journal of payments strategy & systems","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":4,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Business; Underpinning; Open data; Open innovation; Service (business); Retail banking; Marketing; Computer science; Engineering","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":[0.001404978,0.0002345934,0.0004944446,0.0005545464,0.0002809103,0.001465646,0.001181391,0.0000431875,0.0001388342],"category_scores_gemma":[0.00005054992,0.000215621,0.00008577318,0.00121604,0.00002589634,0.004631609,0.0007416345,0.0004991445,0.00002682737],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000294309,"about_ca_system_score_gemma":0.0001059253,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0009555411,"about_ca_topic_score_gemma":0.00008076073,"domain_scores_codex":[0.9975175,0.00004810995,0.001024023,0.0002646753,0.0007343523,0.0004113164],"domain_scores_gemma":[0.9977458,0.00002820882,0.001690448,0.00021254,0.0003000477,0.00002297529],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"simulation_or_modeling","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0008105821,0.001916287,0.2557883,0.001544522,0.0004371866,0.003878591,0.000498694,0.4198531,0.002710603,0.1928575,0.1139092,0.005795503],"study_design_scores_gemma":[0.0118584,0.0009358189,0.04171243,0.005438743,0.0002666938,0.001304838,0.02406586,0.1697691,0.0001290754,0.03785324,0.7036843,0.002981574],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8874984,0.0008481214,0.0008334686,0.0005178336,0.002285256,0.0007483036,0.00001291385,0.00004196341,0.1072137],"genre_scores_gemma":[0.9979415,0.00001005877,0.0000202645,0.0006713354,0.0004271495,0.0000246838,0.000006143761,0.00004942064,0.0008494706],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5897751,"threshold_uncertainty_score":0.9995709,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.05561818494566235,"score_gpt":0.261083150180047,"score_spread":0.2054649652343846,"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."}}