{"id":"W4414204035","doi":"10.3390/jrfm18090507","title":"Understanding Consumer Behavior in Digital Banking: The DABU Model as an Extension of TAM and UTAUT","year":2025,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Technology Adoption and User Behaviour","field":"Decision Sciences","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Unified theory of acceptance and use of technology; Structural equation modeling; Context (archaeology); Technology acceptance model; Consumer behaviour; Conceptual framework; Digital literacy; Conceptual model","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"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":[0.002149089,0.0006674977,0.0004374372,0.001344452,0.0005679877,0.002263365,0.0006876217,0.0007551486,0.002335318],"category_scores_gemma":[0.004596996,0.000375871,0.0007906014,0.001341923,0.001474566,0.002633028,0.001170238,0.0008131171,0.0003796375],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001962983,"about_ca_system_score_gemma":0.002313917,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.008555349,"about_ca_topic_score_gemma":0.008154795,"domain_scores_codex":[0.9981179,0.001143782,0.0000870597,0.0001858023,0.0002790066,0.0001863862],"domain_scores_gemma":[0.9958548,0.002933065,0.0004732998,0.0001299979,0.000515296,0.00009341592],"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":[0.0003451022,0.001290967,0.4133153,0.001772293,0.0002999401,0.001721373,0.09182266,0.01626513,0.004480421,0.1802216,0.003174308,0.2852909],"study_design_scores_gemma":[0.0001152314,0.00172392,0.4502554,0.002909064,0.000576539,0.003038369,0.133481,0.2771987,0.002942122,0.08504624,0.04241314,0.0003003416],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8545848,0.0008088842,0.08498161,0.001630042,0.00006068622,0.0008293814,0.0004525143,0.0001756905,0.0564764],"genre_scores_gemma":[0.985476,0.0002592061,0.0126746,0.00009433206,0.000005797124,0.0003628772,0.00008085425,0.000007553337,0.001038869],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.008555349,"threshold_uncertainty_score":0.01701111,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.1048733982483146,"score_gpt":0.3511645836941008,"score_spread":0.2462911854457863,"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."}}