{"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":"codex-gemma-dda1882f352a","candidate_categories":["scholarly_communication"],"consensus_categories":[],"category_scores_codex":[0.002487886,0.0001086393,0.0001787726,0.0003379472,0.000572741,0.001282528,0.00028277,0.00005305676,0.00004666637],"category_scores_gemma":[0.0001502033,0.00006666379,0.00004272383,0.0005076318,0.0007568824,0.0005412796,0.0004187558,0.0005748573,0.00001199722],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00001428082,"about_ca_system_score_gemma":0.00003239475,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.000003525714,"about_ca_topic_score_gemma":0.000002618753,"domain_scores_codex":[0.998957,0.00001910874,0.0002225757,0.0001645989,0.0003129122,0.0003238204],"domain_scores_gemma":[0.9992673,0.0002967997,0.00011026,0.00013231,0.0001767415,0.00001662065],"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":[0.0005252797,0.00002182063,0.001081454,0.00008196833,0.00003319475,0.000006426265,0.00004773108,6.123782e-7,0.0001882635,0.9229954,0.00154,0.07347786],"study_design_scores_gemma":[0.001072028,0.000009036152,0.001756393,0.00007886109,0.000009565071,0.00001812416,0.00143787,0.00006188269,0.000112941,0.9488322,0.04653537,0.00007571998],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.5649585,0.004731306,0.001887768,0.002732642,0.0002461372,0.0003918524,0.000004571184,0.00002961084,0.4250176],"genre_scores_gemma":[0.9981402,0.0002403603,0.00002184515,0.0001720828,0.0006592152,0.000008128462,0.00000180857,0.00001104465,0.0007453511],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.4331816,"threshold_uncertainty_score":0.9997543,"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."}}