{"id":"W7123819041","doi":"10.1093/ijlit/eaaf018","title":"Regulator coherence, capacity, and collaboration: applying lessons from Canada and the UK for fintech regulatory sandboxes","year":2025,"lang":"en","type":"article","venue":"International Journal of Law and Information Technology","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Sandbox (software development); Regulator; FinTech; Financial regulation; Regulatory authority","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0002230751,0.00009061325,0.0001654974,0.0002823767,0.0001537386,0.0003744572,0.0002154446,0.00008168003,0.000007791899],"category_scores_gemma":[0.0002638741,0.0000695492,0.00002081396,0.0001731598,0.0003118369,0.001792964,0.0001392673,0.0001237126,5.025505e-7],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00005278034,"about_ca_system_score_gemma":0.00009195881,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.0114831,"about_ca_topic_score_gemma":0.03158491,"domain_scores_codex":[0.9992666,0.000003171925,0.0004026955,0.00007270855,0.0001695263,0.00008529052],"domain_scores_gemma":[0.9987265,0.00009983093,0.0004599996,0.00007074598,0.0006357856,0.000007128337],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"not_applicable","study_design_scores_codex":[0.00009893014,0.000003672704,0.003346922,0.00002700938,0.00005654314,6.26747e-7,0.00003038391,0.00000558803,0.00007773119,0.9831287,0.00285126,0.01037267],"study_design_scores_gemma":[0.003321503,0.00002254022,0.008112201,0.000353981,0.00005613118,0.00004802147,0.0008649383,0.001250854,0.002377457,0.365182,0.618219,0.0001913854],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9361687,0.0007537793,0.00938463,0.03676563,0.001225138,0.0005295286,0.00008486422,0.00004928385,0.01503847],"genre_scores_gemma":[0.9966242,0.00004923116,0.0005210476,0.002620588,0.00009680518,0.00002219119,0.00001092354,0.000003060587,0.00005197623],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.6179467,"threshold_uncertainty_score":0.9950995,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.007685378194073301,"score_gpt":0.2254167065460505,"score_spread":0.2177313283519772,"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."}}