Why this work is in the frame
A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.
Bibliographic record
Abstract
Internet banking has become the latest delivery channel for banking services due to the backlash from globalization and liberalization of financial services. Malaysian banks are desperately embracing this new distribution channel to prepare themselves for the competition which is looming in the near future. Using a structured questionnaire data was collected through a convenience sampling from 180 banking customers in the state of Penang, this study revealed that the banks have achieved considerable success as far as awareness is concerned as a vast majority of the respondents reported that they were aware of Internet banking. Although awareness was high, this has not translated into actual use as only 24.4% have had some Internet banking experience. Using the discriminant analysis it was found that Internet banking users had more prior Internet experience, had positive views on ease of use, were more aware of the Internet banking services and benefits and also had less security concerns as compared to the nonusers of Internet banking. Implications of these findings are further discussed.
Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.003 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.001 | 0.000 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it