{"id":"W7018175362","doi":"","title":"Delays that Cost: Usability Gaps and Consumer Behavior","year":2025,"lang":"en","type":"article","venue":"Journal of the Association for Information Systems","topic":"Technology Adoption and User Behaviour","field":"Decision Sciences","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Usability; Credit card; Stylized fact; Consumer behaviour; Behavioral economics; Perception; Cognition; Natural experiment; Financial literacy; Behavioral pattern","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":[0.006859138,0.0002297765,0.0002689332,0.0007335456,0.0008260196,0.002755955,0.0004085111,0.0007996389,0.003213225],"category_scores_gemma":[0.04621244,0.00026748,0.000594193,0.0005487992,0.0008857428,0.002609713,0.001395538,0.001045328,0.0002605588],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001267276,"about_ca_system_score_gemma":0.001000075,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.005907965,"about_ca_topic_score_gemma":0.004193332,"domain_scores_codex":[0.9965878,0.001400072,0.0002882765,0.0003127421,0.001126263,0.0002848778],"domain_scores_gemma":[0.9532633,0.03197649,0.006729014,0.002243694,0.004281711,0.001505611],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.001289289,0.001822094,0.809555,0.0004781756,0.0001886394,0.000456587,0.08498657,0.0003742267,0.002842095,0.001703199,0.001985457,0.09431873],"study_design_scores_gemma":[0.0000532318,0.001372582,0.9128789,0.0002014799,0.000147346,0.0005069747,0.07486922,0.002379854,0.001161764,0.001542402,0.004795655,0.00009061521],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.997401,0.0001425723,0.0002665708,0.0002279699,0.000005166733,0.00002769999,0.0000249222,0.00001250884,0.00189154],"genre_scores_gemma":[0.9990205,0.00007027973,0.000376267,0.00009284394,0.000004332372,0.0000244178,0.00003095529,0.00000896375,0.0003715161],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.006859138,"threshold_uncertainty_score":0.03627503,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.06740321075441925,"score_gpt":0.3662058898631367,"score_spread":0.2988026791087175,"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."}}