{"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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.007907557,0.000269063,0.0005022948,0.002943963,0.001944565,0.01124939,0.001016191,0.001612139,0.006173253],"category_scores_gemma":[0.01703893,0.0002489608,0.0005204768,0.004683191,0.003376017,0.005905513,0.004925767,0.001820197,0.001048574],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002957425,"about_ca_system_score_gemma":0.005583414,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.02183856,"about_ca_topic_score_gemma":0.01558769,"domain_scores_codex":[0.9934308,0.001270638,0.0003841281,0.0008859921,0.00200723,0.002021262],"domain_scores_gemma":[0.9846315,0.003068194,0.003020877,0.001529462,0.004063507,0.003686608],"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":[0.000674654,0.0004050848,0.4194672,0.0005148496,0.0002148031,0.0015487,0.006393829,0.003912038,0.001398564,0.2133496,0.05019065,0.3019302],"study_design_scores_gemma":[0.0001179602,0.0004635674,0.6696684,0.001433385,0.0001444793,0.001721746,0.0210114,0.00339028,0.001668474,0.03576165,0.2644612,0.0001573652],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8525116,0.01121738,0.004581156,0.02893872,0.000916739,0.00006451236,0.0008057811,0.0002750802,0.100689],"genre_scores_gemma":[0.9891979,0.002388261,0.001096035,0.002735503,0.0001459549,0.00002495306,0.0004295551,0.00006212833,0.003919676],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.02183856,"threshold_uncertainty_score":0.04342288,"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."}}