{"id":"W4415438669","doi":"10.36227/techrxiv.176114300.08690733/v1","title":"Loan Approval Prediction by Machine Learning Algorithm","year":2025,"lang":"","type":"preprint","venue":"","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"Infineon Technologies (Canada)","funders":"","keywords":"Loan; Statistical classification; Stability (learning theory); Training set","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":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow","scholarly_communication","research_integrity","insufficient_payload"],"consensus_categories":["metaepi_narrow","insufficient_payload"],"category_scores_codex":[0.001130402,0.001527015,0.001272921,0.001119412,0.0008964173,0.003388659,0.001459255,0.001063023,0.002115139],"category_scores_gemma":[0.0005964772,0.001681541,0.0006463689,0.001689039,0.0002888809,0.002981122,0.005058876,0.003236122,0.001535258],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004284307,"about_ca_system_score_gemma":0.0001752902,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.003182433,"about_ca_topic_score_gemma":0.00007692123,"domain_scores_codex":[0.9932342,0.00004816,0.001743769,0.002579703,0.001039096,0.00135506],"domain_scores_gemma":[0.9967386,0.000116709,0.001458064,0.00096923,0.0006583205,0.00005903552],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0001871905,0.001023528,0.01994699,0.005925667,0.0007057223,0.00004927706,0.00009685868,0.001439451,0.0002362619,0.01178061,0.1656881,0.7929203],"study_design_scores_gemma":[0.0008212355,0.00004417644,0.0004670454,0.001102535,0.0002527435,0.000005468982,0.000114582,0.3613349,0.0003330384,0.001993714,0.6323903,0.001140288],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"other","genre_gemma":"other","genre_scores_codex":[0.002145989,0.002628062,0.4053402,0.001338051,0.006991861,0.002310634,0.0007522079,0.002012059,0.5764809],"genre_scores_gemma":[0.2511707,0.001653437,0.008806772,0.002010331,0.004764571,0.0004732491,0.00935993,0.0003712467,0.7213898],"genre_candidate":"other","genre_consensus":"other","teacher_disagreement_score":0.79178,"threshold_uncertainty_score":0.9997479,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01017605587225862,"score_gpt":0.210321131301098,"score_spread":0.2001450754288394,"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."}}