{"id":"W4402822882","doi":"10.2139/ssrn.4947680","title":"Contesting the Inevitability of Scoring: The Value(s) of Narrative in Consumer Credit Allocation","year":2024,"lang":"en","type":"preprint","venue":"SSRN Electronic Journal","topic":"Housing, Finance, and Neoliberalism","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":false,"ca_institutions":"Université de Sherbrooke","funders":"","keywords":"Narrative; Value (mathematics); Economics; Political science; Positive economics; Actuarial science; Literature; Art; Statistics; Mathematics","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":[0.01564899,0.0004492688,0.001126728,0.001325397,0.004216767,0.01480133,0.002410593,0.006295558,0.01382774],"category_scores_gemma":[0.06867011,0.000687548,0.0005464926,0.001896152,0.03726565,0.02478558,0.006251882,0.007171672,0.0007658311],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.004306221,"about_ca_system_score_gemma":0.0028359,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.003686108,"about_ca_topic_score_gemma":0.004074988,"domain_scores_codex":[0.99185,0.005312715,0.000311218,0.001058831,0.001059332,0.0004079748],"domain_scores_gemma":[0.9466289,0.03783095,0.004127753,0.006136185,0.003784596,0.001491666],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.00003322483,0.00001096783,0.0005151044,0.00002245328,0.000007402307,0.00002597655,0.001000051,0.0004048082,0.00004195112,0.9919407,0.001096274,0.004901063],"study_design_scores_gemma":[0.00001312704,0.000004242392,0.0002879391,0.00002556519,0.000004871381,0.00002170045,0.0005151813,0.001327995,0.00005095783,0.9950597,0.002680006,0.000008699427],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"other","genre_gemma":"empirical","genre_scores_codex":[0.2958611,0.004913977,0.09408509,0.147962,0.0007052533,0.00007445639,0.0003939397,0.0001314741,0.4558727],"genre_scores_gemma":[0.9913425,0.0004036686,0.003253623,0.0009739409,0.0002969072,0.00003234408,0.00002040918,0.00005839545,0.003618174],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.01564899,"threshold_uncertainty_score":0.08276075,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02900609114952607,"score_gpt":0.25267543486907,"score_spread":0.2236693437195439,"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."}}