{"id":"W4400995262","doi":"10.69554/yfnj4048","title":"Unmet payment needs and a central bank digital currency","year":2023,"lang":"en","type":"article","venue":"Journal of digital banking.","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":6,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"Digital currency; Payment; Currency; Central bank; Business; Payment service provider; Financial system; Monetary economics; Economics; Finance; Monetary policy","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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.000757621,0.0001658195,0.0002060644,0.001650008,0.003703296,0.003011171,0.0006586401,0.0004771561,0.006739765],"category_scores_gemma":[0.004719751,0.0001425064,0.0003498991,0.003230939,0.001318122,0.001111988,0.001449332,0.0007050843,0.000307264],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.01867139,"about_ca_system_score_gemma":0.02379376,"about_ca_topic_candidate":true,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.9278535,"about_ca_topic_score_gemma":0.9578168,"domain_scores_codex":[0.998764,0.0001188043,0.00005262564,0.00007276244,0.0004168475,0.0005750063],"domain_scores_gemma":[0.9961814,0.0003357254,0.001105895,0.0000814959,0.001327612,0.0009679294],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.0001378287,0.0001300597,0.9450881,0.0001073778,0.00003353618,0.0003418929,0.01808297,0.000241602,0.0001820222,0.004743035,0.002981348,0.02793014],"study_design_scores_gemma":[0.000006089618,0.00005337908,0.924589,0.0001354046,0.00002522575,0.000205754,0.06316911,0.00045058,0.00007109162,0.0004126706,0.01085057,0.00003115419],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9834208,0.0002090706,0.00009058519,0.001267897,0.000009865312,0.00002535126,0.000439272,0.000004422024,0.0145326],"genre_scores_gemma":[0.9974638,0.000250649,0.0001631421,0.0001129004,0.000004380264,0.000006424354,0.0002521977,0.000002154788,0.001744225],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.9278535,"threshold_uncertainty_score":0.1451428,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02123739673606503,"score_gpt":0.2278853166539916,"score_spread":0.2066479199179266,"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."}}