{
  "schema_version": "1.0",
  "domain": "application-intelligence",
  "domain_name": "Application Intelligence",
  "description": "A signup and application-readiness view of KYC completion, identity checks, document verification, risk review, underwriting progress, and onboarding health.",
  "portal_headline": "Turn application evidence into onboarding next actions.",
  "period": "2026-03",
  "period_meta": {
    "kind": "month",
    "year": 2026,
    "month": 3,
    "start_date": "2026-03-01",
    "end_date": "2026-03-31",
    "label": "March 2026"
  },
  "report_kind": "monthly",
  "available_periods": [
    "2026-01",
    "2026-02",
    "2026-03"
  ],
  "metrics": [
    {
      "key": "applications_reviewed",
      "label": "Applications reviewed",
      "value": 166,
      "note": "Distinct synthetic applicants"
    },
    {
      "key": "approval_ready_rate",
      "label": "Approval-ready rate",
      "value": 37.4,
      "note": "Records ready for approval or onboarding"
    },
    {
      "key": "review_complexity",
      "label": "Average review complexity",
      "value": 4.2,
      "note": "1-7 application review complexity"
    },
    {
      "key": "kyc_gap_count",
      "label": "KYC gap items",
      "value": 33,
      "note": "KYC or identity completion gaps"
    },
    {
      "key": "risk_review_share",
      "label": "Risk review share",
      "value": 19.1,
      "note": "Evidence items requiring risk or underwriting review"
    },
    {
      "key": "stalled_applications",
      "label": "Stalled application items",
      "value": 31,
      "note": "Records showing applicant or workflow stalls"
    }
  ],
  "findings": [
    {
      "id": "F-01",
      "title": "KYC gaps block application readiness",
      "summary": "Identity or KYC completion gaps are present before approval-ready status.",
      "category": "kyc",
      "severity": "high",
      "evidence_count": 33,
      "evidence_ids": [
        "KYC-2026-03-0029",
        "ARISK-2026-03-0008",
        "KYC-2026-03-0021",
        "UW-2026-03-0037",
        "UW-2026-03-0013",
        "KYC-2026-03-0037",
        "KYC-2026-03-0020",
        "UW-2026-03-0029",
        "UW-2026-03-0005",
        "KYC-2026-03-0046",
        "KYC-2026-03-0005",
        "KYC-2026-03-0045",
        "KYC-2026-03-0014",
        "UW-2026-03-0036",
        "ARISK-2026-03-0024",
        "KYC-2026-03-0012",
        "KYC-2026-03-0013",
        "UW-2026-03-0021",
        "UW-2026-03-0028",
        "ARISK-2026-03-0032",
        "KYC-2026-03-0006",
        "UW-2026-03-0020",
        "ARISK-2026-03-0040",
        "KYC-2026-03-0022",
        "KYC-2026-03-0036",
        "ARISK-2026-03-0016",
        "KYC-2026-03-0028",
        "UW-2026-03-0012",
        "KYC-2026-03-0004",
        "UW-2026-03-0004",
        "KYC-2026-03-0030",
        "KYC-2026-03-0038",
        "KYC-2026-03-0044"
      ],
      "evidence_examples": [
        {
          "record_id": "KYC-2026-03-0029",
          "source_record_id": "KYC-2026-03-0029",
          "customer_id": "APP-0022",
          "occurred_at": "2026-03-01",
          "source": "kyc",
          "source_table": "kyc-checks",
          "excerpt": "Beneficial owner information is incomplete.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "ARISK-2026-03-0008",
          "source_record_id": "ARISK-2026-03-0008",
          "customer_id": "APP-2007",
          "occurred_at": "2026-03-02",
          "source": "risk",
          "source_table": "risk-review",
          "excerpt": "External signal cannot be resolved without KYC clarification.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "KYC-2026-03-0021",
          "source_record_id": "KYC-2026-03-0021",
          "customer_id": "APP-0018",
          "occurred_at": "2026-03-02",
          "source": "kyc",
          "source_table": "kyc-checks",
          "excerpt": "Beneficial owner information is incomplete.",
          "period": "2026-03",
          "synthetic": "true"
        }
      ],
      "synthetic": true
    },
    {
      "id": "F-02",
      "title": "Document verification needs clearer recovery",
      "summary": "Document records show missing, expired, or unclear submissions requiring applicant action.",
      "category": "documents",
      "severity": "medium",
      "evidence_count": 38,
      "evidence_ids": [
        "KYC-2026-03-0031",
        "DOC-2026-03-0005",
        "DOC-2026-03-0013",
        "SIGN-2026-03-0007",
        "SIGN-2026-03-0023",
        "DOC-2026-03-0015",
        "SIGN-2026-03-0038",
        "KYC-2026-03-0023",
        "SIGN-2026-03-0006",
        "DOC-2026-03-0039",
        "KYC-2026-03-0039",
        "SIGN-2026-03-0022",
        "DOC-2026-03-0036",
        "SIGN-2026-03-0047",
        "DOC-2026-03-0037",
        "SIGN-2026-03-0014",
        "DOC-2026-03-0022",
        "DOC-2026-03-0023",
        "DOC-2026-03-0028",
        "SIGN-2026-03-0031",
        "SIGN-2026-03-0046",
        "SIGN-2026-03-0039",
        "SIGN-2026-03-0015",
        "DOC-2026-03-0006",
        "DOC-2026-03-0031",
        "DOC-2026-03-0004",
        "KYC-2026-03-0047",
        "DOC-2026-03-0021",
        "KYC-2026-03-0007",
        "DOC-2026-03-0020",
        "KYC-2026-03-0015",
        "DOC-2026-03-0029",
        "DOC-2026-03-0007",
        "DOC-2026-03-0012",
        "DOC-2026-03-0038",
        "DOC-2026-03-0014",
        "DOC-2026-03-0030",
        "SIGN-2026-03-0030"
      ],
      "evidence_examples": [
        {
          "record_id": "KYC-2026-03-0031",
          "source_record_id": "KYC-2026-03-0031",
          "customer_id": "APP-0048",
          "occurred_at": "2026-03-01",
          "source": "kyc",
          "source_table": "kyc-checks",
          "excerpt": "Address verification needs a clearer supporting document.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "DOC-2026-03-0005",
          "source_record_id": "DOC-2026-03-0005",
          "customer_id": "APP-0024",
          "occurred_at": "2026-03-02",
          "source": "document",
          "source_table": "document-verification",
          "excerpt": "Required business document is missing.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "DOC-2026-03-0013",
          "source_record_id": "DOC-2026-03-0013",
          "customer_id": "APP-0028",
          "occurred_at": "2026-03-02",
          "source": "document",
          "source_table": "document-verification",
          "excerpt": "Required business document is missing.",
          "period": "2026-03",
          "synthetic": "true"
        }
      ],
      "synthetic": true
    },
    {
      "id": "F-03",
      "title": "Risk review requires underwriting context",
      "summary": "Risk and underwriting evidence needs documented rationale before approval or decline.",
      "category": "risk",
      "severity": "high",
      "evidence_count": 45,
      "evidence_ids": [
        "ARISK-2026-03-0041",
        "UW-2026-03-0006",
        "UW-2026-03-0023",
        "SIGN-2026-03-0008",
        "UW-2026-03-0015",
        "UW-2026-03-0038",
        "DOC-2026-03-0016",
        "ARISK-2026-03-0034",
        "UW-2026-03-0014",
        "ARISK-2026-03-0043",
        "UW-2026-03-0022",
        "ARISK-2026-03-0001",
        "KYC-2026-03-0024",
        "ARISK-2026-03-0026",
        "ARISK-2026-03-0003",
        "ARISK-2026-03-0019",
        "SIGN-2026-03-0032",
        "UW-2026-03-0031",
        "ARISK-2026-03-0035",
        "KYC-2026-03-0032",
        "SIGN-2026-03-0048",
        "KYC-2026-03-0048",
        "SIGN-2026-03-0040",
        "DOC-2026-03-0008",
        "UW-2026-03-0039",
        "ARISK-2026-03-0017",
        "ARISK-2026-03-0027",
        "DOC-2026-03-0024",
        "ARISK-2026-03-0002",
        "ARISK-2026-03-0009",
        "DOC-2026-03-0032",
        "ARISK-2026-03-0010",
        "UW-2026-03-0030",
        "UW-2026-03-0007",
        "ARISK-2026-03-0042",
        "KYC-2026-03-0008",
        "SIGN-2026-03-0024",
        "KYC-2026-03-0040",
        "ARISK-2026-03-0025",
        "DOC-2026-03-0040",
        "KYC-2026-03-0016",
        "SIGN-2026-03-0016",
        "ARISK-2026-03-0011",
        "ARISK-2026-03-0018",
        "ARISK-2026-03-0033"
      ],
      "evidence_examples": [
        {
          "record_id": "ARISK-2026-03-0041",
          "source_record_id": "ARISK-2026-03-0041",
          "customer_id": "APP-0035",
          "occurred_at": "2026-03-02",
          "source": "risk",
          "source_table": "risk-review",
          "excerpt": "Industry profile requires documented review rationale.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "UW-2026-03-0006",
          "source_record_id": "UW-2026-03-0006",
          "customer_id": "APP-3005",
          "occurred_at": "2026-03-02",
          "source": "underwriting",
          "source_table": "underwriting-readiness",
          "excerpt": "Risk rationale is incomplete for underwriting decisioning.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "UW-2026-03-0023",
          "source_record_id": "UW-2026-03-0023",
          "customer_id": "APP-0015",
          "occurred_at": "2026-03-03",
          "source": "underwriting",
          "source_table": "underwriting-readiness",
          "excerpt": "Risk rationale is incomplete for underwriting decisioning.",
          "period": "2026-03",
          "synthetic": "true"
        }
      ],
      "synthetic": true
    },
    {
      "id": "F-04",
      "title": "Onboarding stalls need owner follow-up",
      "summary": "Some application records show stalled progress across signup, review, or applicant response.",
      "category": "onboarding",
      "severity": "medium",
      "evidence_count": 31,
      "evidence_ids": [
        "ARISK-2026-03-0038",
        "SIGN-2026-03-0004",
        "SIGN-2026-03-0021",
        "SIGN-2026-03-0012",
        "SIGN-2026-03-0052",
        "ARISK-2026-03-0023",
        "ARISK-2026-03-0030",
        "SIGN-2026-03-0037",
        "ARISK-2026-03-0014",
        "UW-2026-03-0024",
        "ARISK-2026-03-0031",
        "SIGN-2026-03-0029",
        "ARISK-2026-03-0022",
        "ARISK-2026-03-0007",
        "SIGN-2026-03-0028",
        "SIGN-2026-03-0005",
        "UW-2026-03-0032",
        "SIGN-2026-03-0036",
        "SIGN-2026-03-0053",
        "SIGN-2026-03-0045",
        "UW-2026-03-0016",
        "ARISK-2026-03-0006",
        "ARISK-2026-03-0015",
        "SIGN-2026-03-0020",
        "ARISK-2026-03-0039",
        "SIGN-2026-03-0013",
        "UW-2026-03-0008",
        "UW-2026-03-0040",
        "SIGN-2026-03-0044",
        "ARISK-2026-03-0046",
        "ARISK-2026-03-0047"
      ],
      "evidence_examples": [
        {
          "record_id": "ARISK-2026-03-0038",
          "source_record_id": "ARISK-2026-03-0038",
          "customer_id": "APP-2037",
          "occurred_at": "2026-03-01",
          "source": "risk",
          "source_table": "risk-review",
          "excerpt": "Application is waiting on reviewer context from account history.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "SIGN-2026-03-0004",
          "source_record_id": "SIGN-2026-03-0004",
          "customer_id": "APP-1003",
          "occurred_at": "2026-03-02",
          "source": "signup",
          "source_table": "signup-progress",
          "excerpt": "Applicant profile is partially complete and has not progressed recently.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "SIGN-2026-03-0021",
          "source_record_id": "SIGN-2026-03-0021",
          "customer_id": "APP-0011",
          "occurred_at": "2026-03-06",
          "source": "signup",
          "source_table": "signup-progress",
          "excerpt": "Applicant profile is partially complete and has not progressed recently.",
          "period": "2026-03",
          "synthetic": "true"
        }
      ],
      "synthetic": true
    }
  ],
  "opportunities": [
    {
      "id": "O-01",
      "title": "Create a KYC completion lane",
      "action": "Surface missing identity and KYC steps with plain next actions for applicants and reviewers.",
      "category": "kyc",
      "priority": "high",
      "evidence_count": 33,
      "evidence_ids": [
        "KYC-2026-03-0029",
        "ARISK-2026-03-0008",
        "KYC-2026-03-0021",
        "UW-2026-03-0037",
        "UW-2026-03-0013",
        "KYC-2026-03-0037",
        "KYC-2026-03-0020",
        "UW-2026-03-0029",
        "UW-2026-03-0005",
        "KYC-2026-03-0046",
        "KYC-2026-03-0005",
        "KYC-2026-03-0045",
        "KYC-2026-03-0014",
        "UW-2026-03-0036",
        "ARISK-2026-03-0024",
        "KYC-2026-03-0012",
        "KYC-2026-03-0013",
        "UW-2026-03-0021",
        "UW-2026-03-0028",
        "ARISK-2026-03-0032",
        "KYC-2026-03-0006",
        "UW-2026-03-0020",
        "ARISK-2026-03-0040",
        "KYC-2026-03-0022",
        "KYC-2026-03-0036",
        "ARISK-2026-03-0016",
        "KYC-2026-03-0028",
        "UW-2026-03-0012",
        "KYC-2026-03-0004",
        "UW-2026-03-0004",
        "KYC-2026-03-0030",
        "KYC-2026-03-0038",
        "KYC-2026-03-0044"
      ],
      "evidence_examples": [
        {
          "record_id": "KYC-2026-03-0029",
          "source_record_id": "KYC-2026-03-0029",
          "customer_id": "APP-0022",
          "occurred_at": "2026-03-01",
          "source": "kyc",
          "source_table": "kyc-checks",
          "excerpt": "Beneficial owner information is incomplete.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "ARISK-2026-03-0008",
          "source_record_id": "ARISK-2026-03-0008",
          "customer_id": "APP-2007",
          "occurred_at": "2026-03-02",
          "source": "risk",
          "source_table": "risk-review",
          "excerpt": "External signal cannot be resolved without KYC clarification.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "KYC-2026-03-0021",
          "source_record_id": "KYC-2026-03-0021",
          "customer_id": "APP-0018",
          "occurred_at": "2026-03-02",
          "source": "kyc",
          "source_table": "kyc-checks",
          "excerpt": "Beneficial owner information is incomplete.",
          "period": "2026-03",
          "synthetic": "true"
        }
      ],
      "inferred": true,
      "synthetic": true
    },
    {
      "id": "O-02",
      "title": "Improve document recovery prompts",
      "action": "Explain exactly which document needs attention and what acceptable replacement evidence looks like.",
      "category": "documents",
      "priority": "medium",
      "evidence_count": 38,
      "evidence_ids": [
        "KYC-2026-03-0031",
        "DOC-2026-03-0005",
        "DOC-2026-03-0013",
        "SIGN-2026-03-0007",
        "SIGN-2026-03-0023",
        "DOC-2026-03-0015",
        "SIGN-2026-03-0038",
        "KYC-2026-03-0023",
        "SIGN-2026-03-0006",
        "DOC-2026-03-0039",
        "KYC-2026-03-0039",
        "SIGN-2026-03-0022",
        "DOC-2026-03-0036",
        "SIGN-2026-03-0047",
        "DOC-2026-03-0037",
        "SIGN-2026-03-0014",
        "DOC-2026-03-0022",
        "DOC-2026-03-0023",
        "DOC-2026-03-0028",
        "SIGN-2026-03-0031",
        "SIGN-2026-03-0046",
        "SIGN-2026-03-0039",
        "SIGN-2026-03-0015",
        "DOC-2026-03-0006",
        "DOC-2026-03-0031",
        "DOC-2026-03-0004",
        "KYC-2026-03-0047",
        "DOC-2026-03-0021",
        "KYC-2026-03-0007",
        "DOC-2026-03-0020",
        "KYC-2026-03-0015",
        "DOC-2026-03-0029",
        "DOC-2026-03-0007",
        "DOC-2026-03-0012",
        "DOC-2026-03-0038",
        "DOC-2026-03-0014",
        "DOC-2026-03-0030",
        "SIGN-2026-03-0030"
      ],
      "evidence_examples": [
        {
          "record_id": "KYC-2026-03-0031",
          "source_record_id": "KYC-2026-03-0031",
          "customer_id": "APP-0048",
          "occurred_at": "2026-03-01",
          "source": "kyc",
          "source_table": "kyc-checks",
          "excerpt": "Address verification needs a clearer supporting document.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "DOC-2026-03-0005",
          "source_record_id": "DOC-2026-03-0005",
          "customer_id": "APP-0024",
          "occurred_at": "2026-03-02",
          "source": "document",
          "source_table": "document-verification",
          "excerpt": "Required business document is missing.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "DOC-2026-03-0013",
          "source_record_id": "DOC-2026-03-0013",
          "customer_id": "APP-0028",
          "occurred_at": "2026-03-02",
          "source": "document",
          "source_table": "document-verification",
          "excerpt": "Required business document is missing.",
          "period": "2026-03",
          "synthetic": "true"
        }
      ],
      "inferred": true,
      "synthetic": true
    },
    {
      "id": "O-03",
      "title": "Standardize risk-review rationale",
      "action": "Capture risk and underwriting rationale before routing to approval, hold, or decline paths.",
      "category": "risk",
      "priority": "high",
      "evidence_count": 45,
      "evidence_ids": [
        "ARISK-2026-03-0041",
        "UW-2026-03-0006",
        "UW-2026-03-0023",
        "SIGN-2026-03-0008",
        "UW-2026-03-0015",
        "UW-2026-03-0038",
        "DOC-2026-03-0016",
        "ARISK-2026-03-0034",
        "UW-2026-03-0014",
        "ARISK-2026-03-0043",
        "UW-2026-03-0022",
        "ARISK-2026-03-0001",
        "KYC-2026-03-0024",
        "ARISK-2026-03-0026",
        "ARISK-2026-03-0003",
        "ARISK-2026-03-0019",
        "SIGN-2026-03-0032",
        "UW-2026-03-0031",
        "ARISK-2026-03-0035",
        "KYC-2026-03-0032",
        "SIGN-2026-03-0048",
        "KYC-2026-03-0048",
        "SIGN-2026-03-0040",
        "DOC-2026-03-0008",
        "UW-2026-03-0039",
        "ARISK-2026-03-0017",
        "ARISK-2026-03-0027",
        "DOC-2026-03-0024",
        "ARISK-2026-03-0002",
        "ARISK-2026-03-0009",
        "DOC-2026-03-0032",
        "ARISK-2026-03-0010",
        "UW-2026-03-0030",
        "UW-2026-03-0007",
        "ARISK-2026-03-0042",
        "KYC-2026-03-0008",
        "SIGN-2026-03-0024",
        "KYC-2026-03-0040",
        "ARISK-2026-03-0025",
        "DOC-2026-03-0040",
        "KYC-2026-03-0016",
        "SIGN-2026-03-0016",
        "ARISK-2026-03-0011",
        "ARISK-2026-03-0018",
        "ARISK-2026-03-0033"
      ],
      "evidence_examples": [
        {
          "record_id": "ARISK-2026-03-0041",
          "source_record_id": "ARISK-2026-03-0041",
          "customer_id": "APP-0035",
          "occurred_at": "2026-03-02",
          "source": "risk",
          "source_table": "risk-review",
          "excerpt": "Industry profile requires documented review rationale.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "UW-2026-03-0006",
          "source_record_id": "UW-2026-03-0006",
          "customer_id": "APP-3005",
          "occurred_at": "2026-03-02",
          "source": "underwriting",
          "source_table": "underwriting-readiness",
          "excerpt": "Risk rationale is incomplete for underwriting decisioning.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "UW-2026-03-0023",
          "source_record_id": "UW-2026-03-0023",
          "customer_id": "APP-0015",
          "occurred_at": "2026-03-03",
          "source": "underwriting",
          "source_table": "underwriting-readiness",
          "excerpt": "Risk rationale is incomplete for underwriting decisioning.",
          "period": "2026-03",
          "synthetic": "true"
        }
      ],
      "inferred": true,
      "synthetic": true
    },
    {
      "id": "O-04",
      "title": "Queue stalled onboarding follow-up",
      "action": "Route stalled applications by blocker owner and age so signups do not disappear in review queues.",
      "category": "onboarding",
      "priority": "medium",
      "evidence_count": 31,
      "evidence_ids": [
        "ARISK-2026-03-0038",
        "SIGN-2026-03-0004",
        "SIGN-2026-03-0021",
        "SIGN-2026-03-0012",
        "SIGN-2026-03-0052",
        "ARISK-2026-03-0023",
        "ARISK-2026-03-0030",
        "SIGN-2026-03-0037",
        "ARISK-2026-03-0014",
        "UW-2026-03-0024",
        "ARISK-2026-03-0031",
        "SIGN-2026-03-0029",
        "ARISK-2026-03-0022",
        "ARISK-2026-03-0007",
        "SIGN-2026-03-0028",
        "SIGN-2026-03-0005",
        "UW-2026-03-0032",
        "SIGN-2026-03-0036",
        "SIGN-2026-03-0053",
        "SIGN-2026-03-0045",
        "UW-2026-03-0016",
        "ARISK-2026-03-0006",
        "ARISK-2026-03-0015",
        "SIGN-2026-03-0020",
        "ARISK-2026-03-0039",
        "SIGN-2026-03-0013",
        "UW-2026-03-0008",
        "UW-2026-03-0040",
        "SIGN-2026-03-0044",
        "ARISK-2026-03-0046",
        "ARISK-2026-03-0047"
      ],
      "evidence_examples": [
        {
          "record_id": "ARISK-2026-03-0038",
          "source_record_id": "ARISK-2026-03-0038",
          "customer_id": "APP-2037",
          "occurred_at": "2026-03-01",
          "source": "risk",
          "source_table": "risk-review",
          "excerpt": "Application is waiting on reviewer context from account history.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "SIGN-2026-03-0004",
          "source_record_id": "SIGN-2026-03-0004",
          "customer_id": "APP-1003",
          "occurred_at": "2026-03-02",
          "source": "signup",
          "source_table": "signup-progress",
          "excerpt": "Applicant profile is partially complete and has not progressed recently.",
          "period": "2026-03",
          "synthetic": "true"
        },
        {
          "record_id": "SIGN-2026-03-0021",
          "source_record_id": "SIGN-2026-03-0021",
          "customer_id": "APP-0011",
          "occurred_at": "2026-03-06",
          "source": "signup",
          "source_table": "signup-progress",
          "excerpt": "Applicant profile is partially complete and has not progressed recently.",
          "period": "2026-03",
          "synthetic": "true"
        }
      ],
      "inferred": true,
      "synthetic": true
    }
  ],
  "trends": [
    {
      "key": "applications_reviewed",
      "label": "Applications reviewed",
      "direction": "watch",
      "periods": [
        "2026-01",
        "2026-02",
        "2026-03"
      ],
      "values": [
        134,
        151,
        166
      ],
      "note": "Distinct synthetic applicants"
    },
    {
      "key": "approval_ready_rate",
      "label": "Approval-ready rate",
      "direction": "watch",
      "periods": [
        "2026-01",
        "2026-02",
        "2026-03"
      ],
      "values": [
        36.5,
        37.1,
        37.4
      ],
      "note": "Records ready for approval or onboarding"
    },
    {
      "key": "review_complexity",
      "label": "Average review complexity",
      "direction": "watch",
      "periods": [
        "2026-01",
        "2026-02",
        "2026-03"
      ],
      "values": [
        4.2,
        4.2,
        4.2
      ],
      "note": "1-7 application review complexity"
    },
    {
      "key": "kyc_gap_count",
      "label": "KYC gap items",
      "direction": "watch",
      "periods": [
        "2026-01",
        "2026-02",
        "2026-03"
      ],
      "values": [
        26,
        31,
        33
      ],
      "note": "KYC or identity completion gaps"
    }
  ],
  "taxonomy": {
    "categories": [
      "signup",
      "kyc",
      "identity",
      "risk",
      "underwriting",
      "documents",
      "onboarding"
    ],
    "sources": [
      "signup",
      "kyc",
      "risk",
      "document",
      "underwriting"
    ],
    "severities": [
      "high",
      "medium",
      "low"
    ]
  },
  "data_quality": {
    "status": "pass",
    "completeness": 100,
    "record_count": 235,
    "customer_count": 166,
    "sources": [
      "document-verification",
      "kyc-checks",
      "risk-review",
      "signup-progress",
      "underwriting-readiness"
    ],
    "synthetic": true,
    "json_csv_parity": true
  },
  "snapshot": {
    "history": [
      {
        "period": "2026-01",
        "metrics": [
          {
            "key": "applications_reviewed",
            "label": "Applications reviewed",
            "value": 134,
            "note": "Distinct synthetic applicants"
          },
          {
            "key": "approval_ready_rate",
            "label": "Approval-ready rate",
            "value": 36.5,
            "note": "Records ready for approval or onboarding"
          },
          {
            "key": "review_complexity",
            "label": "Average review complexity",
            "value": 4.2,
            "note": "1-7 application review complexity"
          },
          {
            "key": "kyc_gap_count",
            "label": "KYC gap items",
            "value": 26,
            "note": "KYC or identity completion gaps"
          },
          {
            "key": "risk_review_share",
            "label": "Risk review share",
            "value": 18.8,
            "note": "Evidence items requiring risk or underwriting review"
          },
          {
            "key": "stalled_applications",
            "label": "Stalled application items",
            "value": 21,
            "note": "Records showing applicant or workflow stalls"
          }
        ]
      },
      {
        "period": "2026-02",
        "metrics": [
          {
            "key": "applications_reviewed",
            "label": "Applications reviewed",
            "value": 151,
            "note": "Distinct synthetic applicants"
          },
          {
            "key": "approval_ready_rate",
            "label": "Approval-ready rate",
            "value": 37.1,
            "note": "Records ready for approval or onboarding"
          },
          {
            "key": "review_complexity",
            "label": "Average review complexity",
            "value": 4.2,
            "note": "1-7 application review complexity"
          },
          {
            "key": "kyc_gap_count",
            "label": "KYC gap items",
            "value": 31,
            "note": "KYC or identity completion gaps"
          },
          {
            "key": "risk_review_share",
            "label": "Risk review share",
            "value": 18.5,
            "note": "Evidence items requiring risk or underwriting review"
          },
          {
            "key": "stalled_applications",
            "label": "Stalled application items",
            "value": 26,
            "note": "Records showing applicant or workflow stalls"
          }
        ]
      },
      {
        "period": "2026-03",
        "metrics": [
          {
            "key": "applications_reviewed",
            "label": "Applications reviewed",
            "value": 166,
            "note": "Distinct synthetic applicants"
          },
          {
            "key": "approval_ready_rate",
            "label": "Approval-ready rate",
            "value": 37.4,
            "note": "Records ready for approval or onboarding"
          },
          {
            "key": "review_complexity",
            "label": "Average review complexity",
            "value": 4.2,
            "note": "1-7 application review complexity"
          },
          {
            "key": "kyc_gap_count",
            "label": "KYC gap items",
            "value": 33,
            "note": "KYC or identity completion gaps"
          },
          {
            "key": "risk_review_share",
            "label": "Risk review share",
            "value": 19.1,
            "note": "Evidence items requiring risk or underwriting review"
          },
          {
            "key": "stalled_applications",
            "label": "Stalled application items",
            "value": 31,
            "note": "Records showing applicant or workflow stalls"
          }
        ]
      }
    ],
    "channel_mix": {
      "risk": 47,
      "kyc": 51,
      "underwriting": 42,
      "document": 42,
      "signup": 53
    },
    "friction_mix": {
      "approval-ready": 88,
      "stalled-onboarding": 31,
      "kyc-gap": 33,
      "document-gap": 38,
      "risk-review": 45
    }
  },
  "view_copy": {
    "overview": {
      "trends_title": "Application health trends",
      "findings_title": "Evidence-backed application findings",
      "opportunities_title": "Onboarding next actions"
    },
    "executive": {
      "description": "Calculated signup, KYC, risk, document, and underwriting readiness priorities."
    },
    "operations": {
      "description": "Application workload, review queues, and onboarding blockers.",
      "mix_title": "Application evidence mix"
    },
    "product": {
      "description": "Signup, verification, and underwriting flow improvements suggested by evidence."
    },
    "experience": {
      "description": "Applicant and reviewer friction visible in onboarding evidence."
    },
    "explorer": {
      "description": "Inspect application-shaped mock tables, normalized evidence, and applicant timelines.",
      "normalized_label": "Normalized application evidence",
      "normalized_columns": [
        "id",
        "customer_id",
        "date",
        "source",
        "category",
        "status",
        "outcome",
        "effort_score",
        "flag",
        "detail"
      ]
    }
  },
  "evidence_labels": {
    "case": "Application Evidence ID",
    "entity": "Applicant ID"
  },
  "synthetic": true,
  "disclaimer": "All records and findings are synthetic and for demonstration only.",
  "generated_at": "2026-07-27T00:30:56.866882+00:00"
}