{
  "schema_version": "1.0",
  "domain": "transaction-intelligence",
  "domain_name": "Transaction Intelligence",
  "description": "An operational view of transaction outcomes, risk-rule signals, disputes, settlement and funding timing, and data quality next actions.",
  "portal_headline": "Turn transaction signals into clearer next actions.",
  "period": "2026-02",
  "period_meta": {
    "kind": "month",
    "year": 2026,
    "month": 2,
    "start_date": "2026-02-01",
    "end_date": "2026-02-28",
    "label": "February 2026"
  },
  "report_kind": "monthly",
  "available_periods": [
    "2026-01",
    "2026-02",
    "2026-03"
  ],
  "metrics": [
    {
      "key": "transaction_records",
      "label": "Records reviewed",
      "value": 215,
      "note": "Synthetic transaction intelligence records"
    },
    {
      "key": "approved_rate",
      "label": "Approval rate",
      "value": 36.3,
      "note": "Authorization records marked approved"
    },
    {
      "key": "risk_score",
      "label": "Average risk signal",
      "value": 4.5,
      "note": "1-7 risk or exception score"
    },
    {
      "key": "funding_watch_rate",
      "label": "Funding watch rate",
      "value": 46.5,
      "note": "Funding records needing attention"
    },
    {
      "key": "dispute_review_count",
      "label": "Dispute review items",
      "value": 26,
      "note": "Evidence tied to disputes or recovery work"
    },
    {
      "key": "data_quality_gaps",
      "label": "Data quality gaps",
      "value": 35,
      "note": "Missing or inconsistent transaction fields"
    }
  ],
  "findings": [
    {
      "id": "F-01",
      "title": "Decline patterns need operating review",
      "summary": "Authorization evidence shows repeated declines or review outcomes requiring next-action clarity.",
      "category": "operations",
      "severity": "medium",
      "evidence_count": 25,
      "evidence_ids": [
        "RISK-2026-02-0030",
        "TXN-2026-02-0060",
        "TXN-2026-02-0053",
        "RISK-2026-02-0007",
        "TXN-2026-02-0061",
        "TXN-2026-02-0021",
        "TXN-2026-02-0044",
        "TXN-2026-02-0004",
        "TXN-2026-02-0029",
        "RISK-2026-02-0015",
        "RISK-2026-02-0038",
        "TXN-2026-02-0012",
        "TXN-2026-02-0005",
        "TXN-2026-02-0028",
        "RISK-2026-02-0022",
        "TXN-2026-02-0045",
        "RISK-2026-02-0014",
        "TXN-2026-02-0036",
        "RISK-2026-02-0006",
        "TXN-2026-02-0020",
        "TXN-2026-02-0052",
        "RISK-2026-02-0031",
        "TXN-2026-02-0013",
        "RISK-2026-02-0023",
        "TXN-2026-02-0037"
      ],
      "evidence_examples": [
        {
          "record_id": "RISK-2026-02-0030",
          "source_record_id": "RISK-2026-02-0030",
          "customer_id": "ACCT-2529",
          "occurred_at": "2026-02-01",
          "source": "risk",
          "source_table": "risk-rule-signals",
          "excerpt": "Identity rule blocks repeated attempts in the same account cluster.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "TXN-2026-02-0060",
          "source_record_id": "TXN-2026-02-0060",
          "customer_id": "ACCT-1059",
          "occurred_at": "2026-02-01",
          "source": "authorization",
          "source_table": "authorization-events",
          "excerpt": "Repeated declines appear for a similar channel and account segment.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "TXN-2026-02-0053",
          "source_record_id": "TXN-2026-02-0053",
          "customer_id": "ACCT-0027",
          "occurred_at": "2026-02-02",
          "source": "authorization",
          "source_table": "authorization-events",
          "excerpt": "Repeated declines appear for a similar channel and account segment.",
          "period": "2026-02",
          "synthetic": "true"
        }
      ],
      "synthetic": true
    },
    {
      "id": "F-02",
      "title": "Funding timing has watch-list items",
      "summary": "Settlement and funding records include delayed or pending items that need owner follow-up.",
      "category": "operations",
      "severity": "high",
      "evidence_count": 28,
      "evidence_ids": [
        "FUND-2026-02-0021",
        "DQ-2026-02-0012",
        "DQ-2026-02-0021",
        "FUND-2026-02-0028",
        "DQ-2026-02-0005",
        "FUND-2026-02-0020",
        "FUND-2026-02-0024",
        "DQ-2026-02-0029",
        "FUND-2026-02-0006",
        "FUND-2026-02-0013",
        "FUND-2026-02-0008",
        "FUND-2026-02-0040",
        "FUND-2026-02-0004",
        "FUND-2026-02-0037",
        "FUND-2026-02-0005",
        "FUND-2026-02-0014",
        "FUND-2026-02-0022",
        "DQ-2026-02-0020",
        "FUND-2026-02-0012",
        "FUND-2026-02-0032",
        "FUND-2026-02-0016",
        "DQ-2026-02-0013",
        "FUND-2026-02-0029",
        "FUND-2026-02-0030",
        "FUND-2026-02-0036",
        "FUND-2026-02-0038",
        "DQ-2026-02-0028",
        "DQ-2026-02-0004"
      ],
      "evidence_examples": [
        {
          "record_id": "FUND-2026-02-0021",
          "source_record_id": "FUND-2026-02-0021",
          "customer_id": "ACCT-0018",
          "occurred_at": "2026-02-02",
          "source": "funding",
          "source_table": "settlement-funding",
          "excerpt": "Funding is pending beyond the expected release window.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "DQ-2026-02-0012",
          "source_record_id": "DQ-2026-02-0012",
          "customer_id": "ACCT-3011",
          "occurred_at": "2026-02-04",
          "source": "data-quality",
          "source_table": "data-quality",
          "excerpt": "Funding reference values are inconsistent across settlement records.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "DQ-2026-02-0021",
          "source_record_id": "DQ-2026-02-0021",
          "customer_id": "ACCT-0039",
          "occurred_at": "2026-02-04",
          "source": "data-quality",
          "source_table": "data-quality",
          "excerpt": "Funding reference values are inconsistent across settlement records.",
          "period": "2026-02",
          "synthetic": "true"
        }
      ],
      "synthetic": true
    },
    {
      "id": "F-03",
      "title": "Dispute recovery needs evidence readiness",
      "summary": "Dispute records show cases where evidence packaging or response timing matters.",
      "category": "risk",
      "severity": "high",
      "evidence_count": 26,
      "evidence_ids": [
        "DQ-2026-02-0024",
        "DSP-2026-02-0001",
        "DSP-2026-02-0015",
        "DSP-2026-02-0019",
        "DSP-2026-02-0031",
        "DSP-2026-02-0002",
        "DSP-2026-02-0003",
        "DSP-2026-02-0034",
        "DSP-2026-02-0007",
        "DSP-2026-02-0009",
        "DSP-2026-02-0008",
        "DSP-2026-02-0017",
        "DQ-2026-02-0016",
        "DSP-2026-02-0018",
        "DSP-2026-02-0027",
        "DQ-2026-02-0008",
        "DSP-2026-02-0010",
        "DSP-2026-02-0011",
        "DSP-2026-02-0025",
        "DSP-2026-02-0016",
        "DSP-2026-02-0023",
        "DQ-2026-02-0032",
        "DSP-2026-02-0024",
        "DSP-2026-02-0033",
        "DSP-2026-02-0026",
        "DSP-2026-02-0032"
      ],
      "evidence_examples": [
        {
          "record_id": "DQ-2026-02-0024",
          "source_record_id": "DQ-2026-02-0024",
          "customer_id": "ACCT-3023",
          "occurred_at": "2026-02-03",
          "source": "data-quality",
          "source_table": "data-quality",
          "excerpt": "Dispute link is missing for records that need case evidence.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "DSP-2026-02-0001",
          "source_record_id": "DSP-2026-02-0001",
          "customer_id": "ACCT-0015",
          "occurred_at": "2026-02-05",
          "source": "dispute",
          "source_table": "dispute-cases",
          "excerpt": "Dispute case needs packaged evidence before the response window tightens.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "DSP-2026-02-0015",
          "source_record_id": "DSP-2026-02-0015",
          "customer_id": "ACCT-0047",
          "occurred_at": "2026-02-05",
          "source": "dispute",
          "source_table": "dispute-cases",
          "excerpt": "Fraud-related dispute needs risk and operations coordination.",
          "period": "2026-02",
          "synthetic": "true"
        }
      ],
      "synthetic": true
    },
    {
      "id": "F-04",
      "title": "Transaction data gaps reduce confidence",
      "summary": "Missing or inconsistent fields create uncertainty in downstream reporting and triage.",
      "category": "data-quality",
      "severity": "medium",
      "evidence_count": 35,
      "evidence_ids": [
        "DSP-2026-02-0006",
        "TXN-2026-02-0040",
        "DQ-2026-02-0001",
        "DQ-2026-02-0003",
        "DQ-2026-02-0025",
        "FUND-2026-02-0023",
        "RISK-2026-02-0008",
        "FUND-2026-02-0031",
        "FUND-2026-02-0039",
        "TXN-2026-02-0008",
        "DQ-2026-02-0018",
        "TXN-2026-02-0024",
        "DQ-2026-02-0019",
        "DSP-2026-02-0014",
        "DSP-2026-02-0030",
        "TXN-2026-02-0064",
        "DSP-2026-02-0022",
        "DQ-2026-02-0002",
        "DQ-2026-02-0026",
        "TXN-2026-02-0048",
        "DQ-2026-02-0011",
        "DQ-2026-02-0017",
        "TXN-2026-02-0056",
        "DQ-2026-02-0027",
        "RISK-2026-02-0032",
        "DQ-2026-02-0009",
        "FUND-2026-02-0007",
        "TXN-2026-02-0016",
        "FUND-2026-02-0015",
        "RISK-2026-02-0024",
        "DQ-2026-02-0010",
        "DQ-2026-02-0034",
        "RISK-2026-02-0016",
        "DQ-2026-02-0033",
        "TXN-2026-02-0032"
      ],
      "evidence_examples": [
        {
          "record_id": "DSP-2026-02-0006",
          "source_record_id": "DSP-2026-02-0006",
          "customer_id": "ACCT-2005",
          "occurred_at": "2026-02-01",
          "source": "dispute",
          "source_table": "dispute-cases",
          "excerpt": "Transaction descriptor and reference fields are incomplete.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "TXN-2026-02-0040",
          "source_record_id": "TXN-2026-02-0040",
          "customer_id": "ACCT-1039",
          "occurred_at": "2026-02-02",
          "source": "authorization",
          "source_table": "authorization-events",
          "excerpt": "Approval succeeded but optional wallet metadata is incomplete.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "DQ-2026-02-0001",
          "source_record_id": "DQ-2026-02-0001",
          "customer_id": "ACCT-0029",
          "occurred_at": "2026-02-03",
          "source": "data-quality",
          "source_table": "data-quality",
          "excerpt": "Descriptor fields are missing from a subset of transaction records.",
          "period": "2026-02",
          "synthetic": "true"
        }
      ],
      "synthetic": true
    }
  ],
  "opportunities": [
    {
      "id": "O-01",
      "title": "Build a decline-review lane",
      "action": "Route repeated decline patterns into a weekly review with merchant-facing next actions.",
      "category": "operations",
      "priority": "medium",
      "evidence_count": 25,
      "evidence_ids": [
        "RISK-2026-02-0030",
        "TXN-2026-02-0060",
        "TXN-2026-02-0053",
        "RISK-2026-02-0007",
        "TXN-2026-02-0061",
        "TXN-2026-02-0021",
        "TXN-2026-02-0044",
        "TXN-2026-02-0004",
        "TXN-2026-02-0029",
        "RISK-2026-02-0015",
        "RISK-2026-02-0038",
        "TXN-2026-02-0012",
        "TXN-2026-02-0005",
        "TXN-2026-02-0028",
        "RISK-2026-02-0022",
        "TXN-2026-02-0045",
        "RISK-2026-02-0014",
        "TXN-2026-02-0036",
        "RISK-2026-02-0006",
        "TXN-2026-02-0020",
        "TXN-2026-02-0052",
        "RISK-2026-02-0031",
        "TXN-2026-02-0013",
        "RISK-2026-02-0023",
        "TXN-2026-02-0037"
      ],
      "evidence_examples": [
        {
          "record_id": "RISK-2026-02-0030",
          "source_record_id": "RISK-2026-02-0030",
          "customer_id": "ACCT-2529",
          "occurred_at": "2026-02-01",
          "source": "risk",
          "source_table": "risk-rule-signals",
          "excerpt": "Identity rule blocks repeated attempts in the same account cluster.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "TXN-2026-02-0060",
          "source_record_id": "TXN-2026-02-0060",
          "customer_id": "ACCT-1059",
          "occurred_at": "2026-02-01",
          "source": "authorization",
          "source_table": "authorization-events",
          "excerpt": "Repeated declines appear for a similar channel and account segment.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "TXN-2026-02-0053",
          "source_record_id": "TXN-2026-02-0053",
          "customer_id": "ACCT-0027",
          "occurred_at": "2026-02-02",
          "source": "authorization",
          "source_table": "authorization-events",
          "excerpt": "Repeated declines appear for a similar channel and account segment.",
          "period": "2026-02",
          "synthetic": "true"
        }
      ],
      "inferred": true,
      "synthetic": true
    },
    {
      "id": "O-02",
      "title": "Expose funding watch states",
      "action": "Create a watch-list for delayed funding states with ownership and expected resolution dates.",
      "category": "operations",
      "priority": "high",
      "evidence_count": 28,
      "evidence_ids": [
        "FUND-2026-02-0021",
        "DQ-2026-02-0012",
        "DQ-2026-02-0021",
        "FUND-2026-02-0028",
        "DQ-2026-02-0005",
        "FUND-2026-02-0020",
        "FUND-2026-02-0024",
        "DQ-2026-02-0029",
        "FUND-2026-02-0006",
        "FUND-2026-02-0013",
        "FUND-2026-02-0008",
        "FUND-2026-02-0040",
        "FUND-2026-02-0004",
        "FUND-2026-02-0037",
        "FUND-2026-02-0005",
        "FUND-2026-02-0014",
        "FUND-2026-02-0022",
        "DQ-2026-02-0020",
        "FUND-2026-02-0012",
        "FUND-2026-02-0032",
        "FUND-2026-02-0016",
        "DQ-2026-02-0013",
        "FUND-2026-02-0029",
        "FUND-2026-02-0030",
        "FUND-2026-02-0036",
        "FUND-2026-02-0038",
        "DQ-2026-02-0028",
        "DQ-2026-02-0004"
      ],
      "evidence_examples": [
        {
          "record_id": "FUND-2026-02-0021",
          "source_record_id": "FUND-2026-02-0021",
          "customer_id": "ACCT-0018",
          "occurred_at": "2026-02-02",
          "source": "funding",
          "source_table": "settlement-funding",
          "excerpt": "Funding is pending beyond the expected release window.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "DQ-2026-02-0012",
          "source_record_id": "DQ-2026-02-0012",
          "customer_id": "ACCT-3011",
          "occurred_at": "2026-02-04",
          "source": "data-quality",
          "source_table": "data-quality",
          "excerpt": "Funding reference values are inconsistent across settlement records.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "DQ-2026-02-0021",
          "source_record_id": "DQ-2026-02-0021",
          "customer_id": "ACCT-0039",
          "occurred_at": "2026-02-04",
          "source": "data-quality",
          "source_table": "data-quality",
          "excerpt": "Funding reference values are inconsistent across settlement records.",
          "period": "2026-02",
          "synthetic": "true"
        }
      ],
      "inferred": true,
      "synthetic": true
    },
    {
      "id": "O-03",
      "title": "Package dispute evidence earlier",
      "action": "Standardize the dispute evidence checklist before response windows become urgent.",
      "category": "risk",
      "priority": "high",
      "evidence_count": 26,
      "evidence_ids": [
        "DQ-2026-02-0024",
        "DSP-2026-02-0001",
        "DSP-2026-02-0015",
        "DSP-2026-02-0019",
        "DSP-2026-02-0031",
        "DSP-2026-02-0002",
        "DSP-2026-02-0003",
        "DSP-2026-02-0034",
        "DSP-2026-02-0007",
        "DSP-2026-02-0009",
        "DSP-2026-02-0008",
        "DSP-2026-02-0017",
        "DQ-2026-02-0016",
        "DSP-2026-02-0018",
        "DSP-2026-02-0027",
        "DQ-2026-02-0008",
        "DSP-2026-02-0010",
        "DSP-2026-02-0011",
        "DSP-2026-02-0025",
        "DSP-2026-02-0016",
        "DSP-2026-02-0023",
        "DQ-2026-02-0032",
        "DSP-2026-02-0024",
        "DSP-2026-02-0033",
        "DSP-2026-02-0026",
        "DSP-2026-02-0032"
      ],
      "evidence_examples": [
        {
          "record_id": "DQ-2026-02-0024",
          "source_record_id": "DQ-2026-02-0024",
          "customer_id": "ACCT-3023",
          "occurred_at": "2026-02-03",
          "source": "data-quality",
          "source_table": "data-quality",
          "excerpt": "Dispute link is missing for records that need case evidence.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "DSP-2026-02-0001",
          "source_record_id": "DSP-2026-02-0001",
          "customer_id": "ACCT-0015",
          "occurred_at": "2026-02-05",
          "source": "dispute",
          "source_table": "dispute-cases",
          "excerpt": "Dispute case needs packaged evidence before the response window tightens.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "DSP-2026-02-0015",
          "source_record_id": "DSP-2026-02-0015",
          "customer_id": "ACCT-0047",
          "occurred_at": "2026-02-05",
          "source": "dispute",
          "source_table": "dispute-cases",
          "excerpt": "Fraud-related dispute needs risk and operations coordination.",
          "period": "2026-02",
          "synthetic": "true"
        }
      ],
      "inferred": true,
      "synthetic": true
    },
    {
      "id": "O-04",
      "title": "Close required field gaps",
      "action": "Fix missing transaction metadata before using the data for automated decisions.",
      "category": "data-quality",
      "priority": "medium",
      "evidence_count": 35,
      "evidence_ids": [
        "DSP-2026-02-0006",
        "TXN-2026-02-0040",
        "DQ-2026-02-0001",
        "DQ-2026-02-0003",
        "DQ-2026-02-0025",
        "FUND-2026-02-0023",
        "RISK-2026-02-0008",
        "FUND-2026-02-0031",
        "FUND-2026-02-0039",
        "TXN-2026-02-0008",
        "DQ-2026-02-0018",
        "TXN-2026-02-0024",
        "DQ-2026-02-0019",
        "DSP-2026-02-0014",
        "DSP-2026-02-0030",
        "TXN-2026-02-0064",
        "DSP-2026-02-0022",
        "DQ-2026-02-0002",
        "DQ-2026-02-0026",
        "TXN-2026-02-0048",
        "DQ-2026-02-0011",
        "DQ-2026-02-0017",
        "TXN-2026-02-0056",
        "DQ-2026-02-0027",
        "RISK-2026-02-0032",
        "DQ-2026-02-0009",
        "FUND-2026-02-0007",
        "TXN-2026-02-0016",
        "FUND-2026-02-0015",
        "RISK-2026-02-0024",
        "DQ-2026-02-0010",
        "DQ-2026-02-0034",
        "RISK-2026-02-0016",
        "DQ-2026-02-0033",
        "TXN-2026-02-0032"
      ],
      "evidence_examples": [
        {
          "record_id": "DSP-2026-02-0006",
          "source_record_id": "DSP-2026-02-0006",
          "customer_id": "ACCT-2005",
          "occurred_at": "2026-02-01",
          "source": "dispute",
          "source_table": "dispute-cases",
          "excerpt": "Transaction descriptor and reference fields are incomplete.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "TXN-2026-02-0040",
          "source_record_id": "TXN-2026-02-0040",
          "customer_id": "ACCT-1039",
          "occurred_at": "2026-02-02",
          "source": "authorization",
          "source_table": "authorization-events",
          "excerpt": "Approval succeeded but optional wallet metadata is incomplete.",
          "period": "2026-02",
          "synthetic": "true"
        },
        {
          "record_id": "DQ-2026-02-0001",
          "source_record_id": "DQ-2026-02-0001",
          "customer_id": "ACCT-0029",
          "occurred_at": "2026-02-03",
          "source": "data-quality",
          "source_table": "data-quality",
          "excerpt": "Descriptor fields are missing from a subset of transaction records.",
          "period": "2026-02",
          "synthetic": "true"
        }
      ],
      "inferred": true,
      "synthetic": true
    }
  ],
  "trends": [
    {
      "key": "transaction_records",
      "label": "Records reviewed",
      "direction": "watch",
      "periods": [
        "2026-01",
        "2026-02"
      ],
      "values": [
        190,
        215
      ],
      "note": "Synthetic transaction intelligence records"
    },
    {
      "key": "approved_rate",
      "label": "Approval rate",
      "direction": "watch",
      "periods": [
        "2026-01",
        "2026-02"
      ],
      "values": [
        35.8,
        36.3
      ],
      "note": "Authorization records marked approved"
    },
    {
      "key": "risk_score",
      "label": "Average risk signal",
      "direction": "watch",
      "periods": [
        "2026-01",
        "2026-02"
      ],
      "values": [
        4.5,
        4.5
      ],
      "note": "1-7 risk or exception score"
    },
    {
      "key": "data_quality_gaps",
      "label": "Data quality gaps",
      "direction": "watch",
      "periods": [
        "2026-01",
        "2026-02"
      ],
      "values": [
        31,
        35
      ],
      "note": "Missing or inconsistent transaction fields"
    }
  ],
  "taxonomy": {
    "categories": [
      "authorization",
      "funding",
      "dispute",
      "risk",
      "data-quality",
      "operations"
    ],
    "sources": [
      "authorization",
      "funding",
      "dispute",
      "risk",
      "data-quality"
    ],
    "severities": [
      "high",
      "medium",
      "low"
    ]
  },
  "data_quality": {
    "status": "pass",
    "completeness": 100,
    "record_count": 215,
    "customer_count": 157,
    "sources": [
      "authorization-events",
      "data-quality",
      "dispute-cases",
      "risk-rule-signals",
      "settlement-funding"
    ],
    "synthetic": true,
    "json_csv_parity": true
  },
  "snapshot": {
    "history": [
      {
        "period": "2026-01",
        "metrics": [
          {
            "key": "transaction_records",
            "label": "Records reviewed",
            "value": 190,
            "note": "Synthetic transaction intelligence records"
          },
          {
            "key": "approved_rate",
            "label": "Approval rate",
            "value": 35.8,
            "note": "Authorization records marked approved"
          },
          {
            "key": "risk_score",
            "label": "Average risk signal",
            "value": 4.5,
            "note": "1-7 risk or exception score"
          },
          {
            "key": "funding_watch_rate",
            "label": "Funding watch rate",
            "value": 50.0,
            "note": "Funding records needing attention"
          },
          {
            "key": "dispute_review_count",
            "label": "Dispute review items",
            "value": 21,
            "note": "Evidence tied to disputes or recovery work"
          },
          {
            "key": "data_quality_gaps",
            "label": "Data quality gaps",
            "value": 31,
            "note": "Missing or inconsistent transaction fields"
          }
        ]
      },
      {
        "period": "2026-02",
        "metrics": [
          {
            "key": "transaction_records",
            "label": "Records reviewed",
            "value": 215,
            "note": "Synthetic transaction intelligence records"
          },
          {
            "key": "approved_rate",
            "label": "Approval rate",
            "value": 36.3,
            "note": "Authorization records marked approved"
          },
          {
            "key": "risk_score",
            "label": "Average risk signal",
            "value": 4.5,
            "note": "1-7 risk or exception score"
          },
          {
            "key": "funding_watch_rate",
            "label": "Funding watch rate",
            "value": 46.5,
            "note": "Funding records needing attention"
          },
          {
            "key": "dispute_review_count",
            "label": "Dispute review items",
            "value": 26,
            "note": "Evidence tied to disputes or recovery work"
          },
          {
            "key": "data_quality_gaps",
            "label": "Data quality gaps",
            "value": 35,
            "note": "Missing or inconsistent transaction fields"
          }
        ]
      }
    ],
    "channel_mix": {
      "dispute": 34,
      "funding": 43,
      "risk": 38,
      "authorization": 66,
      "data-quality": 34
    },
    "friction_mix": {
      "data-quality-gap": 35,
      "healthy-flow": 70,
      "risk-review": 31,
      "decline-pattern": 25,
      "funding-delay": 28,
      "dispute-risk": 26
    }
  },
  "view_copy": {
    "overview": {
      "trends_title": "Transaction signal trends",
      "findings_title": "Evidence-backed transaction findings",
      "opportunities_title": "Operating next actions"
    },
    "executive": {
      "description": "Calculated transaction, funding, dispute, and data-quality priorities."
    },
    "operations": {
      "description": "Transaction workload, exception handling, settlement timing, and source mix.",
      "mix_title": "Transaction evidence mix"
    },
    "product": {
      "description": "Rule, data, and workflow improvements suggested by transaction evidence."
    },
    "experience": {
      "description": "Merchant and operator friction visible in transaction outcomes and exception paths."
    },
    "explorer": {
      "description": "Inspect transaction-shaped mock tables, normalized evidence, and account timelines.",
      "normalized_label": "Normalized transaction evidence",
      "normalized_columns": [
        "id",
        "customer_id",
        "date",
        "source",
        "category",
        "status",
        "outcome",
        "effort_score",
        "flag",
        "detail"
      ]
    }
  },
  "evidence_labels": {
    "case": "Transaction ID",
    "entity": "Account ID"
  },
  "synthetic": true,
  "disclaimer": "All records and findings are synthetic and for demonstration only.",
  "generated_at": "2026-07-27T00:30:54.655553+00:00"
}