Determinants of Internet and Cell Phone Banking Adoption inSouth Africa
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
More and more banks are turning to self-service technologies to provide customers with many channels to access products and services. Internet and cell phone are some of the least cost and increasingly popular financial services delivery channels. In developing countries though, the level of information and communications technology development, the cost of Internet and the limited bandwidth of mobile networks and other access technologies constrain such innovation. In this paper, we explore the factors that affect Internet and Cell Phone banking adoption in South Africa. We also compare the differences in the perception of Internet banking and cell phone banking and the influence factors. The findings indicate that both the adoption intent and the perception of Internet banking users differ markedly from cell phone banking users. The results are discussed and some implications for banks are outlined.
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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 | 0.000 | 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 | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| 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