{"id":"W94059066","doi":"","title":"Determinants of Internet and Cell Phone Banking Adoption inSouth Africa","year":2005,"lang":"en","type":"article","venue":"The Journal of Internet Banking and Commerce","topic":"ICT Impact and Policies","field":"Engineering","cited_by":37,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"The Internet; Phone; Business; Mobile phone; Internet access; Internet privacy; Telecommunications; Perception; Telephone banking; SMS banking; Service (business); Marketing; Advertising; Computer science; World Wide Web","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0003657576,0.0001253069,0.0002226495,0.0001063834,0.00002567927,0.00003739276,0.000183459,0.00004825023,0.00004262657],"category_scores_gemma":[0.00001069648,0.00008647613,0.00004364353,0.00005950989,0.00005684631,0.0001411667,0.00005888327,0.0002491011,0.000003264719],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00002314653,"about_ca_system_score_gemma":0.000005684861,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00005950766,"about_ca_topic_score_gemma":0.00002025338,"domain_scores_codex":[0.9992996,0.00005055846,0.0003456739,0.00002877295,0.0001162818,0.0001590832],"domain_scores_gemma":[0.9995463,0.0001107297,0.0001682866,0.00009117496,0.00003760599,0.0000458649],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"qualitative","study_design_gemma":"bench_or_experimental","study_design_scores_codex":[0.0007893611,0.0002479341,0.05830996,0.0009224689,0.0004233321,0.00001660332,0.5725599,0.005718131,0.04376137,0.0004113907,0.02318718,0.2936524],"study_design_scores_gemma":[0.008847313,0.003391949,0.1781574,0.008742684,0.001177254,0.004962479,0.03213259,0.1659158,0.5001967,0.00140774,0.09263024,0.002437874],"study_design_candidate":"qualitative","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9940829,0.002363227,0.0007985524,0.00007150265,0.000131995,0.00003080329,0.000002166051,0.00001432817,0.002504518],"genre_scores_gemma":[0.9987052,0.0006335241,0.000122368,0.00008436478,0.0001363413,3.003156e-7,2.806698e-7,0.00001671289,0.0003008925],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5404273,"threshold_uncertainty_score":0.3526394,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01549140167064388,"score_gpt":0.231419639320195,"score_spread":0.2159282376495511,"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."}}