Table · dataset · 2026
Replication data and code for “Credit-card disclosure design and the cost of generative AI choices”
Listed in ZivaHub and Deakin Research Online and DMU Figshare and HKU DataHub and Swinburne Figshare and DaYta Ya Rona and SUNScholarData and figshare and Loughborough Research Repository and GRANTS Data and UP Research Data Repository — shown once because both records carry DOI 10.6084/m9.figshare.34033572.v1
<p dir="ltr">This dataset and code package supports a simulated credit-card choice experiment using five fixed open-weight language-model configurations and 142 eligible plans derived from the Consumer Financial Protection Bureau's Terms of Credit Card Plans survey for July–December 2025.
Description
The 400 main tasks cover five constructed consumer profiles, with identical card terms presented in Table, Box, Grouped prose or Dispersed prose.
The core dataset contains 8,000 saved model-choice observations (400 tasks × four formats × five models). It also retains the original exploratory code-arm responses, a 100-task reversed-order replicate, historical plans and deviations, saved failures and truncations, and deterministic analysis code. There are 12,000 unique stored responses overall; the additional relaxed-sandbox records are rescoring of existing code responses, not new model generations.
Read the rest (4 more)
The offline Python >=3.12 reproduction workflow makes no model calls and executes no saved model-generated program. It recomputes task-card costs, parses saved non-code responses, and verifies the core table, E1–E5, the headline-APR benchmark and selected sensitivity calculations. The original Dispersed-minus-Box estimate is USD 17.7171; the lowest-headline-APR rule has mean gap USD 21.3665 versus Box's USD 29.9977.
These are simulated deterministic choice costs, not realized consumer welfare. The original runner uses base seed 20260929 and the addendum uses 20261001, with each job seeded as base_seed × 1000 + its zero-based format-major index. Same-task formats do not use common random numbers.
Grouped comparisons E4/E5 span main/addendum runs and include generation variation; Box–Grouped also changes wording, order and length, so the increments do not identify separate mechanisms. The package preserves negative overlapping-variance diagnostics and identifies post-hoc inference. Only deployment-path metadata is normalized; retained observation lines, task files and the analysis pool are unchanged.
Model weights and the original survey workbook are not bundled; source URLs, revisions, hashes and rights-review notes are provided.</p>
Links
Where it is published
- DOI doi.org/10.6084/m9.figshare.34033572.v1 ↗
DOI / persistent id · from zivahub uct ac za
Catalogue records · 1
- OAI-PMH record api.figshare.com/v2/oai?verb=GetRecord&metadataPrefix=oai_dc&identifier=oai%3Af… ↗
metadata API · from zivahub uct ac za
Topics
- From keywords
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- Inferred from text
- Tabular 65%
Provenance · 11 source records, 106 field assertions
| Source | Key | Last seen | Raw |
|---|---|---|---|
| ZivaHub | oai:figshare.com:article/34033572 | 5 d ago | JSON v1 |
| Deakin Research Online | oai:figshare.com:article/34033572 | 5 d ago | JSON v1 |
| DMU Figshare | oai:figshare.com:article/34033572 | 5 d ago | JSON v1 |
| HKU DataHub | oai:figshare.com:article/34033572 | 5 d ago | JSON v1 |
| Swinburne Figshare | oai:figshare.com:article/34033572 | 5 d ago | JSON v1 |
| DaYta Ya Rona | oai:figshare.com:article/34033572 | 5 d ago | JSON v1 |
| SUNScholarData | oai:figshare.com:article/34033572 | 5 d ago | JSON v1 |
| figshare | oai:figshare.com:article/34033572 | 4 d ago | JSON v1 |
| Loughborough Research Repository | oai:figshare.com:article/34033572 | 4 d ago | JSON v1 |
| GRANTS Data | oai:figshare.com:article/34033572 | 4 d ago | JSON v1 |
| UP Research Data Repository | oai:figshare.com:article/34033572 | 4 d ago | JSON v1 |
| Field | Assertion | Extractor | Evidence |
|---|---|---|---|
| access_level | source · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | |
| concepts[field].anzsrc:field:380102 | mapping · figshare dmu ac uk | vocabulary-mapper@1.0.0 | keywords['Behavioural economics'] |
| concepts[field].anzsrc:field:380102 | mapping · dro deakin edu au | vocabulary-mapper@1.0.0 | keywords['Behavioural economics'] |
| concepts[field].anzsrc:field:380102 | mapping · researchdata up ac za | vocabulary-mapper@1.0.0 | keywords['Behavioural economics'] |
| concepts[field].anzsrc:field:380102 | mapping · figshare swinburne edu au | vocabulary-mapper@1.0.0 | keywords['Behavioural economics'] |
| concepts[field].anzsrc:field:380102 | mapping · datahub hku hk | vocabulary-mapper@1.0.0 | keywords['Behavioural economics'] |
| concepts[field].anzsrc:field:380102 | mapping · scholardata sun ac za | vocabulary-mapper@1.0.0 | keywords['Behavioural economics'] |
| concepts[field].anzsrc:field:380102 | mapping · figshare com | vocabulary-mapper@1.0.0 | keywords['Behavioural economics'] |
| concepts[field].anzsrc:field:380102 | mapping · repository lboro ac uk | vocabulary-mapper@1.0.0 | keywords['Behavioural economics'] |
| concepts[field].anzsrc:field:380102 | mapping · zivahub uct ac za | vocabulary-mapper@1.0.0 | keywords['Behavioural economics'] |
| concepts[field].anzsrc:field:380102 | mapping · grantsdata jst go jp | vocabulary-mapper@1.0.0 | keywords['Behavioural economics'] |
| concepts[field].anzsrc:field:380102 | mapping · dayta nwu ac za | vocabulary-mapper@1.0.0 | keywords['Behavioural economics'] |
| concepts[field].anzsrc:field:380107 | mapping · figshare swinburne edu au | vocabulary-mapper@1.0.0 | keywords['Financial economics'] |
| concepts[field].anzsrc:field:380107 | mapping · figshare com | vocabulary-mapper@1.0.0 | keywords['Financial economics'] |
| concepts[field].anzsrc:field:380107 | mapping · researchdata up ac za | vocabulary-mapper@1.0.0 | keywords['Financial economics'] |
| concepts[field].anzsrc:field:380107 | mapping · zivahub uct ac za | vocabulary-mapper@1.0.0 | keywords['Financial economics'] |
| concepts[field].anzsrc:field:380107 | mapping · dro deakin edu au | vocabulary-mapper@1.0.0 | keywords['Financial economics'] |
| concepts[field].anzsrc:field:380107 | mapping · grantsdata jst go jp | vocabulary-mapper@1.0.0 | keywords['Financial economics'] |
| concepts[field].anzsrc:field:380107 | mapping · figshare dmu ac uk | vocabulary-mapper@1.0.0 | keywords['Financial economics'] |
| concepts[field].anzsrc:field:380107 | mapping · datahub hku hk | vocabulary-mapper@1.0.0 | keywords['Financial economics'] |
| concepts[field].anzsrc:field:380107 | mapping · repository lboro ac uk | vocabulary-mapper@1.0.0 | keywords['Financial economics'] |
| concepts[field].anzsrc:field:380107 | mapping · dayta nwu ac za | vocabulary-mapper@1.0.0 | keywords['Financial economics'] |
| concepts[field].anzsrc:field:380107 | mapping · scholardata sun ac za | vocabulary-mapper@1.0.0 | keywords['Financial economics'] |
| concepts[field].local:field:astronomy | mapping · figshare com | connector:figshare_com@1.0.0 | |
| concepts[field].local:field:chemistry | mapping · figshare com | connector:figshare_com@1.0.0 | |
| concepts[field].local:field:chemistry | mapping · repository lboro ac uk | connector:repository_lboro_ac_uk@1.0.0 | |
| concepts[field].local:field:chemistry | mapping · scholardata sun ac za | connector:scholardata_sun_ac_za@1.0.0 | |
| concepts[field].local:field:computer-science-ai | mapping · datahub hku hk | connector:datahub_hku_hk@1.0.0 | |
| concepts[field].local:field:computer-science-ai | mapping · scholardata sun ac za | connector:scholardata_sun_ac_za@1.0.0 | |
| concepts[field].local:field:computer-science-ai | mapping · researchdata up ac za | connector:researchdata_up_ac_za@1.0.0 | |
| concepts[field].local:field:computer-science-ai | mapping · dro deakin edu au | connector:dro_deakin_edu_au@1.0.0 | |
| concepts[field].local:field:computer-science-ai | mapping · figshare dmu ac uk | connector:figshare_dmu_ac_uk@1.0.0 | |
| concepts[field].local:field:computer-science-ai | mapping · figshare com | connector:figshare_com@1.0.0 | |
| concepts[field].local:field:computer-science-ai | mapping · grantsdata jst go jp | connector:grantsdata_jst_go_jp@1.0.0 | |
| concepts[field].local:field:computer-science-ai | mapping · figshare swinburne edu au | connector:figshare_swinburne_edu_au@1.0.0 | |
| concepts[field].local:field:computer-science-ai | mapping · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | |
| concepts[field].local:field:computer-science-ai | mapping · repository lboro ac uk | connector:repository_lboro_ac_uk@1.0.0 | |
| concepts[field].local:field:computer-science-ai | mapping · dayta nwu ac za | connector:dayta_nwu_ac_za@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · repository lboro ac uk | connector:repository_lboro_ac_uk@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · figshare dmu ac uk | connector:figshare_dmu_ac_uk@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · researchdata up ac za | connector:researchdata_up_ac_za@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · dayta nwu ac za | connector:dayta_nwu_ac_za@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · datahub hku hk | connector:datahub_hku_hk@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · figshare com | connector:figshare_com@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · figshare swinburne edu au | connector:figshare_swinburne_edu_au@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · grantsdata jst go jp | connector:grantsdata_jst_go_jp@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · scholardata sun ac za | connector:scholardata_sun_ac_za@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · dro deakin edu au | connector:dro_deakin_edu_au@1.0.0 | |
| concepts[field].local:field:economics-finance | mapping · researchdata up ac za | connector:researchdata_up_ac_za@1.0.0 | |
| concepts[field].local:field:economics-finance | mapping · dro deakin edu au | connector:dro_deakin_edu_au@1.0.0 | |
| concepts[field].local:field:economics-finance | mapping · datahub hku hk | connector:datahub_hku_hk@1.0.0 | |
| concepts[field].local:field:economics-finance | mapping · figshare swinburne edu au | connector:figshare_swinburne_edu_au@1.0.0 | |
| concepts[field].local:field:economics-finance | mapping · dayta nwu ac za | connector:dayta_nwu_ac_za@1.0.0 | |
| concepts[field].local:field:economics-finance | mapping · grantsdata jst go jp | connector:grantsdata_jst_go_jp@1.0.0 | |
| concepts[field].local:field:economics-finance | mapping · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | |
| concepts[field].local:field:economics-finance | mapping · figshare com | connector:figshare_com@1.0.0 | |
| concepts[field].local:field:economics-finance | mapping · scholardata sun ac za | connector:scholardata_sun_ac_za@1.0.0 | |
| concepts[field].local:field:economics-finance | mapping · repository lboro ac uk | connector:repository_lboro_ac_uk@1.0.0 | |
| concepts[field].local:field:economics-finance | mapping · figshare dmu ac uk | connector:figshare_dmu_ac_uk@1.0.0 | |
| concepts[field].local:field:engineering | mapping · dayta nwu ac za | connector:dayta_nwu_ac_za@1.0.0 | |
| concepts[field].local:field:engineering | mapping · figshare com | connector:figshare_com@1.0.0 | |
| concepts[field].local:field:engineering | mapping · researchdata up ac za | connector:researchdata_up_ac_za@1.0.0 | |
| concepts[field].local:field:engineering | mapping · repository lboro ac uk | connector:repository_lboro_ac_uk@1.0.0 | |
| concepts[field].local:field:humanities | mapping · grantsdata jst go jp | connector:grantsdata_jst_go_jp@1.0.0 | |
| concepts[field].local:field:humanities | mapping · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | |
| concepts[field].local:field:humanities | mapping · dro deakin edu au | connector:dro_deakin_edu_au@1.0.0 | |
| concepts[field].local:field:humanities | mapping · figshare dmu ac uk | connector:figshare_dmu_ac_uk@1.0.0 | |
| concepts[field].local:field:humanities | mapping · datahub hku hk | connector:datahub_hku_hk@1.0.0 | |
| concepts[field].local:field:humanities | mapping · figshare swinburne edu au | connector:figshare_swinburne_edu_au@1.0.0 | |
| concepts[field].local:field:humanities | mapping · dayta nwu ac za | connector:dayta_nwu_ac_za@1.0.0 | |
| concepts[field].local:field:humanities | mapping · scholardata sun ac za | connector:scholardata_sun_ac_za@1.0.0 | |
| concepts[field].local:field:humanities | mapping · figshare com | connector:figshare_com@1.0.0 | |
| concepts[field].local:field:humanities | mapping · repository lboro ac uk | connector:repository_lboro_ac_uk@1.0.0 | |
| concepts[field].local:field:humanities | mapping · researchdata up ac za | connector:researchdata_up_ac_za@1.0.0 | |
| concepts[field].local:field:life-sciences | mapping · scholardata sun ac za | connector:scholardata_sun_ac_za@1.0.0 | |
| concepts[field].local:field:life-sciences | mapping · repository lboro ac uk | connector:repository_lboro_ac_uk@1.0.0 | |
| concepts[field].local:field:life-sciences | mapping · figshare com | connector:figshare_com@1.0.0 | |
| concepts[field].local:field:life-sciences | mapping · researchdata up ac za | connector:researchdata_up_ac_za@1.0.0 | |
| concepts[field].local:field:life-sciences | mapping · dayta nwu ac za | connector:dayta_nwu_ac_za@1.0.0 | |
| concepts[field].local:field:materials-science | mapping · repository lboro ac uk | connector:repository_lboro_ac_uk@1.0.0 | |
| concepts[field].local:field:mathematics-statistics | mapping · repository lboro ac uk | connector:repository_lboro_ac_uk@1.0.0 | |
| concepts[field].local:field:medicine-health | mapping · repository lboro ac uk | connector:repository_lboro_ac_uk@1.0.0 | |
| concepts[field].local:field:medicine-health | mapping · figshare com | connector:figshare_com@1.0.0 | |
| concepts[field].local:field:ocean-atmospheric | mapping · figshare com | connector:figshare_com@1.0.0 | |
| concepts[field].local:field:psychology-behavioral | mapping · dro deakin edu au | connector:dro_deakin_edu_au@1.0.0 | |
| concepts[field].local:field:psychology-behavioral | mapping · researchdata up ac za | connector:researchdata_up_ac_za@1.0.0 | |
| concepts[field].local:field:psychology-behavioral | mapping · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | |
| concepts[field].local:field:psychology-behavioral | mapping · scholardata sun ac za | connector:scholardata_sun_ac_za@1.0.0 | |
| concepts[field].local:field:psychology-behavioral | mapping · dayta nwu ac za | connector:dayta_nwu_ac_za@1.0.0 | |
| concepts[field].local:field:psychology-behavioral | mapping · grantsdata jst go jp | connector:grantsdata_jst_go_jp@1.0.0 | |
| concepts[field].local:field:psychology-behavioral | mapping · figshare swinburne edu au | connector:figshare_swinburne_edu_au@1.0.0 | |
| concepts[field].local:field:psychology-behavioral | mapping · repository lboro ac uk | connector:repository_lboro_ac_uk@1.0.0 | |
| concepts[field].local:field:psychology-behavioral | mapping · datahub hku hk | connector:datahub_hku_hk@1.0.0 | |
| concepts[field].local:field:psychology-behavioral | mapping · figshare dmu ac uk | connector:figshare_dmu_ac_uk@1.0.0 | |
| concepts[field].local:field:psychology-behavioral | mapping · figshare com | connector:figshare_com@1.0.0 | |
| concepts[field].local:field:social-science | mapping · scholardata sun ac za | connector:scholardata_sun_ac_za@1.0.0 | |
| concepts[field].local:field:social-science | mapping · dayta nwu ac za | connector:dayta_nwu_ac_za@1.0.0 | |
| concepts[field].local:field:social-science | mapping · repository lboro ac uk | connector:repository_lboro_ac_uk@1.0.0 | |
| concepts[field].local:field:social-science | mapping · researchdata up ac za | connector:researchdata_up_ac_za@1.0.0 | |
| concepts[field].local:field:social-science | mapping · figshare com | connector:figshare_com@1.0.0 | |
| concepts[modality].local:modality:tabular | enrichment · zivahub uct ac za | keyword-concept-rules@1.0.0 | title+description (65%) |
| description | source · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | /metadata/dc/description |
| license | source · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | /metadata/dc/rights |
| publication_date | source · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | |
| title | source · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | /metadata/dc/title |