{"id":"W7115706321","doi":"10.5267/j.dsl.2025.10.007","title":"From cash to contactless: Structural break evidence from Saudi Arabia’s POS transaction patterns","year":2025,"lang":"en","type":"article","venue":"Decision Science Letters","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Database transaction; Payment; Cash; Investment (military); Service (business); Sandbox (software development); Financial transaction; Financial services; Asset (computer security)","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":[0.00115158,0.0002162185,0.0002620034,0.001781956,0.0007367624,0.001210357,0.0006389724,0.0006041509,0.004903898],"category_scores_gemma":[0.00584868,0.0001952714,0.0002504913,0.003230016,0.0008292505,0.001024007,0.001027385,0.00080931,0.00112595],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0009349501,"about_ca_system_score_gemma":0.0007555215,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.06379533,"about_ca_topic_score_gemma":0.07389943,"domain_scores_codex":[0.999246,0.0001423276,0.0001055568,0.0001565135,0.0001853111,0.0001643119],"domain_scores_gemma":[0.9915767,0.002023153,0.003623821,0.0006422769,0.001614655,0.0005194184],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001801992,0.00007887562,0.9832469,0.00003504985,0.00008325049,0.0003068876,0.00255335,0.0007394798,0.0004658469,0.001148294,0.001558184,0.009603737],"study_design_scores_gemma":[0.000008470105,0.00004864814,0.9862264,0.00002951776,0.00003637269,0.0001058728,0.006177753,0.003359492,0.0003843058,0.0004287893,0.003176144,0.00001821649],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.997786,0.00009228459,0.0001649463,0.0002503993,0.00000458568,0.000006367728,0.0007834695,0.000003497762,0.0009083016],"genre_scores_gemma":[0.998324,0.00007462389,0.00008342899,0.00003867049,0.00000753028,0.000004105504,0.001070636,0.000002560993,0.0003944871],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.06379533,"threshold_uncertainty_score":0.126848,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02300020838285912,"score_gpt":0.2830971561678874,"score_spread":0.2600969477850283,"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."}}