{"id":"W4414805992","doi":"10.1016/j.ssaho.2025.102057","title":"Financial innovation and money demand in Nigeria: Exploring the impact of banking innovations, fintech developments and digital payment channels on the money demand","year":2025,"lang":"en","type":"article","venue":"Social Sciences & Humanities Open","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":2,"is_retracted":false,"has_abstract":true,"ca_institutions":"Regent College","funders":"","keywords":"Payment; Inflation (cosmology); Monetary policy; Financial innovation; Demand deposit; Store of value; Value (mathematics); Speculative demand; Broad money; Demand management","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":[0.0007448483,0.0003713261,0.0004828656,0.0009656887,0.0005385348,0.00168146,0.0004312694,0.0007572962,0.004147086],"category_scores_gemma":[0.002716365,0.0002633437,0.0005216417,0.001209772,0.0004886274,0.001294369,0.001095888,0.001013135,0.0004392166],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001936191,"about_ca_system_score_gemma":0.001105032,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01723756,"about_ca_topic_score_gemma":0.02069844,"domain_scores_codex":[0.999631,0.0001032159,0.00003356561,0.000057658,0.00005474595,0.000119744],"domain_scores_gemma":[0.9966834,0.002161362,0.0006193914,0.00006073817,0.0002286748,0.0002464223],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0004244056,0.0003382924,0.9714081,0.0001813832,0.00009369266,0.00111145,0.001591542,0.007113861,0.0009094586,0.005492185,0.000585465,0.0107501],"study_design_scores_gemma":[0.0000325523,0.0003929248,0.9112688,0.0001762728,0.0001527362,0.0004214678,0.0140341,0.0646105,0.001073911,0.004103692,0.003677486,0.00005555269],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9969771,0.0003053858,0.0002405879,0.0002849488,0.000007382859,0.000008834902,0.0002895741,0.000002482373,0.001883741],"genre_scores_gemma":[0.9988643,0.0001818389,0.00006457792,0.00001563223,0.00000588957,0.000007358818,0.0002150435,0.00000121251,0.0006442507],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01723756,"threshold_uncertainty_score":0.0342744,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.08588918681280597,"score_gpt":0.2967621511837563,"score_spread":0.2108729643709503,"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."}}