{"id":"W4407328480","doi":"10.2139/ssrn.5129284","title":"Data Portability in financial services: A research note on the progress &amp;amp; debates around Canadian open banking regulation","year":2025,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Data Quality and Management","field":"Decision Sciences","cited_by":0,"is_retracted":false,"has_abstract":false,"ca_institutions":"","funders":"","keywords":"Software portability; Business; Financial services; Financial system; Economics; Finance; Computer science; Operating system","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":["metaresearch","scholarly_communication","open_science"],"consensus_categories":[],"category_scores_codex":[0.0770772,0.0001356994,0.0002280184,0.0006356054,0.001018355,0.001923695,0.006422497,0.00008814727,0.0002309571],"category_scores_gemma":[0.002932132,0.00008950049,0.00004315361,0.001946693,0.000153628,0.0011452,0.001350387,0.00191147,0.0001596234],"about_ca_system_candidate":true,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00158528,"about_ca_system_score_gemma":0.008206584,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.08210646,"about_ca_topic_score_gemma":0.9807238,"domain_scores_codex":[0.9938278,0.001465704,0.0007378425,0.0006590266,0.001398145,0.001911509],"domain_scores_gemma":[0.9961338,0.001189963,0.0002183878,0.002023224,0.0003293028,0.000105324],"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":[0.0002740952,0.0001606166,0.02038996,0.00001445045,0.00004702516,0.000005755844,0.0009235253,0.0001051052,0.000005723654,0.7294937,0.01009362,0.2384864],"study_design_scores_gemma":[0.0002261648,0.00003265763,0.02318224,0.00007838087,0.000006544804,0.000005393636,0.002028652,0.0004797319,0.000002691417,0.7459482,0.2279257,0.00008370397],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8414767,0.001752531,0.01307344,0.114862,0.001041177,0.003296091,0.0002983351,0.00003446613,0.02416523],"genre_scores_gemma":[0.9953854,0.0001615711,0.0001922865,0.0008133117,0.0001177145,0.0000253984,0.0001155198,0.000007822465,0.003180982],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.8986173,"threshold_uncertainty_score":0.9991124,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.2461056427412769,"score_gpt":0.4883171585682954,"score_spread":0.2422115158270185,"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."}}