{"id":"W4408031659","doi":"10.22375/dbs.v2i1.138","title":"GenZs and the Future of Digital Banking","year":2025,"lang":"en","type":"article","venue":"DBS Applied Research and Theory Journal","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Business; Financial 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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.00133859,0.0001693888,0.0001932174,0.00153073,0.004328912,0.01078944,0.0005300875,0.00169419,0.01231206],"category_scores_gemma":[0.002944601,0.0001045109,0.0001315672,0.0019561,0.01180705,0.006403551,0.003629242,0.001291849,0.0008310145],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.01084178,"about_ca_system_score_gemma":0.008968617,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0998473,"about_ca_topic_score_gemma":0.1083753,"domain_scores_codex":[0.9989906,0.0003282074,0.00002354215,0.00008497862,0.0002243424,0.0003482343],"domain_scores_gemma":[0.9986499,0.0003808283,0.0001769601,0.00009772395,0.0003002844,0.0003944268],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"observational","study_design_scores_codex":[0.00002767534,0.0000240462,0.007716753,0.00005723787,0.000003598006,0.0001701125,0.01492999,0.0002376429,0.0001375165,0.9049033,0.005990721,0.06580139],"study_design_scores_gemma":[0.00001392741,0.00003885789,0.01844583,0.000530197,0.0000102091,0.000355415,0.07801977,0.001046112,0.0002872705,0.4078054,0.4934137,0.00003333856],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"other","genre_gemma":"empirical","genre_scores_codex":[0.2755799,0.01719286,0.003340401,0.1082931,0.0002398634,0.00003828098,0.00014266,0.000072439,0.5951004],"genre_scores_gemma":[0.9794506,0.005641949,0.0006176436,0.001941905,0.00005658556,0.00001028644,0.00002537166,0.00000871499,0.01224687],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.0998473,"threshold_uncertainty_score":0.1985323,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01516393999110268,"score_gpt":0.2670441414651911,"score_spread":0.2518802014740885,"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."}}