{"id":"W7127376155","doi":"10.5281/zenodo.17514788","title":"A Comparative Analysis of Regulatory Sandbox Success in Adopting Alternative Data Credit Models (UK vs EU vs US)","year":2025,"lang":"en","type":"article","venue":"Zenodo (CERN European Organization for Nuclear Research)","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Sandbox (software development); European union; Jurisdiction; Compliance (psychology); Credit reference; Credit history; Credit rating","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":["insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.0008631626,0.0001797337,0.0004081838,0.001426456,0.0005682717,0.0008889001,0.001874291,0.00005586628,0.001311385],"category_scores_gemma":[0.0005761383,0.000198633,0.00006652986,0.00385148,0.0002055334,0.001928854,0.003412909,0.000234356,0.0003524109],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0001312343,"about_ca_system_score_gemma":0.000006108818,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0003920609,"about_ca_topic_score_gemma":0.00002055214,"domain_scores_codex":[0.9981506,0.00006673676,0.0004653229,0.0005930592,0.0003954576,0.0003287867],"domain_scores_gemma":[0.9981835,0.0000456093,0.0003436248,0.0007250795,0.0006809481,0.00002116412],"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":[0.001602188,0.001138929,0.006275625,0.001297897,0.002380908,0.00008315055,0.002623696,0.0680268,0.002328815,0.5787184,0.303596,0.03192768],"study_design_scores_gemma":[0.001097841,0.00005304643,0.0420117,0.000409142,0.0002913306,0.000002401692,0.0005788538,0.4489595,0.0003055666,0.001797862,0.5040481,0.0004446155],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.6007647,0.0001499822,0.01882114,0.0006583571,0.0001899314,0.0007363904,0.0004863185,0.0004995076,0.3776937],"genre_scores_gemma":[0.9972301,0.00002104991,0.0001460938,0.0002191427,0.00009531946,8.562952e-8,0.001714006,0.0002213319,0.0003528986],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5769205,"threshold_uncertainty_score":0.9996015,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.07199683152277414,"score_gpt":0.2847117090836557,"score_spread":0.2127148775608815,"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."}}