{
  "model": "grayson-1",
  "state": {
    "screening": {
      "system": "Outbound payment scam screening (real time), retail mobile app",
      "stage": "The customer has pressed Send. The payment is held in pre-submission screening and has not been sent to Faster Payments.",
      "times": "UK local time with offset (BST, UTC+01:00, until 2026-10-25)",
      "our_actions": "release; warn (a full-screen warning for one scam type that the customer must confirm); hold and call (fraud specialist calls the number on file; UK rules allow a delay to the end of the fourth business day after the instruction where there are reasonable grounds to suspect fraud); block"
    },
    "customer": {
      "customer_id": "C-31877406",
      "name": "Aisha K. Rahman",
      "age": 34,
      "customer_since": "2012-09-17",
      "home": "Leeds (LS6), renting; at this address since 2023",
      "occupation": "QA engineer, Northvale Logistics Ltd (employer confirmed by salary credits since 2021)",
      "income_on_file": "£46,000 a year",
      "mobile_on_file": "07700 900127 (since 2019)",
      "email_on_file": "aisha.rahman@example.com (since 2026-09-29; previously aisha.k.r@example.net)",
      "support_needs_recorded": "None",
      "products": [
        "Current account x2196",
        "Easy Access Saver x5530",
        "Debit card x4083",
        "Mortgage application M-7720118 (offer issued)"
      ],
      "scam_history": "No earlier scam claims, held payments or fraud reports"
    },
    "accounts": [
      {
        "account": "Current account x2196",
        "opened": "2012-09-17",
        "balance_before_payment_gbp": 30436.75,
        "overdraft": "£500 arranged, unused in 12 months",
        "faster_payment_daily_limit_gbp": 35000,
        "limit_changes": [
          "2026-10-08 12:58: daily limit raised in the app from £10,000 to £35,000, confirmed with a one-time code texted to 07700 900127"
        ]
      },
      {
        "account": "Easy Access Saver x5530",
        "opened": "2021-04-30",
        "balance_gbp": 1822.75,
        "recent_activity": "£700 in each month from the current account since 2021, plus interest. £29,000.00 moved to the current account on 2026-10-08 at 12:49 in the current session. Balance before today: £30,822.75."
      }
    ],
    "mortgage_application": {
      "reference": "M-7720118",
      "applied": "2026-08-12, in the app, with our mortgage adviser by phone",
      "status": "Offer issued 2026-09-18; valid to 2027-03-18",
      "property": "Two-bedroom terraced house, Leeds LS13; purchase price £285,000; first-time buyer",
      "loan_gbp": 256500,
      "deposit_gbp": 28500,
      "deposit_source_verified": "Own savings in Easy Access Saver x5530 (statements seen by our underwriter)",
      "conveyancer": "Hollis Pryor Solicitors LLP, Leeds; on our conveyancer panel since 2015; SRA-regulated",
      "conveyancer_client_account_on_our_panel_record": "Sort code xx-xx-58, account x3140 (the account our completions team sends mortgage funds to)",
      "expected_exchange": "Week of 2026-10-12",
      "adviser_notes": [
        {
          "ts": "2026-09-18T15:05:00+01:00",
          "note": "Offer issued and sent to the customer and Hollis Pryor."
        },
        {
          "ts": "2026-10-06T17:32:00+01:00",
          "note": "Customer called to ask how to send her deposit before exchange. Told her to pay the solicitor's client account, to confirm the bank details by calling the firm on the number on their engagement letter or website (never from an email), and that the app may ask her extra questions. She said the firm had sent the details through its secure client portal."
        }
      ]
    },
    "monthly_summary": {
      "columns": [
        "month",
        "money_in_gbp",
        "money_out_gbp",
        "card_spending_gbp",
        "direct_debits_gbp",
        "payments_and_standing_orders_out_gbp",
        "payments_out_count",
        "cash_gbp",
        "largest_single_debit_gbp",
        "month_end_balance_gbp"
      ],
      "rows": [
        [
          "2025-10",
          2882.95,
          2508.31,
          580.32,
          302.99,
          925,
          1,
          0,
          925,
          2963.04
        ],
        [
          "2025-11",
          2871.66,
          2565.2,
          780.21,
          159.99,
          925,
          1,
          0,
          925,
          3269.5
        ],
        [
          "2025-12",
          2924.9,
          2496.16,
          696.02,
          159.99,
          940.15,
          2,
          0,
          925,
          3698.24
        ],
        [
          "2026-01",
          2889.76,
          2715.28,
          787.29,
          302.99,
          925,
          1,
          0,
          925,
          3872.72
        ],
        [
          "2026-02",
          2871.66,
          3503.08,
          1518.95,
          302.99,
          981.14,
          2,
          0,
          925,
          3241.3
        ],
        [
          "2026-03",
          2949.79,
          2747.73,
          720.29,
          302.99,
          1024.45,
          5,
          0,
          925,
          3443.36
        ],
        [
          "2026-04",
          3000.36,
          2848,
          857.76,
          302.99,
          987.25,
          2,
          0,
          925,
          3595.72
        ],
        [
          "2026-05",
          2991.58,
          3097.94,
          1150.44,
          302.99,
          944.51,
          2,
          0,
          925,
          3489.36
        ],
        [
          "2026-06",
          2995.28,
          2762.36,
          796.39,
          302.99,
          962.98,
          2,
          0,
          925,
          3722.28
        ],
        [
          "2026-07",
          2992.69,
          2635.7,
          707.71,
          302.99,
          925,
          1,
          0,
          925,
          4079.27
        ],
        [
          "2026-08",
          2958.4,
          3693.54,
          701.07,
          302.99,
          990.48,
          3,
          0,
          999,
          3344.13
        ],
        [
          "2026-09",
          3009.99,
          3601.31,
          1616.52,
          302.99,
          981.8,
          4,
          0,
          925,
          2752.81
        ]
      ]
    },
    "transactions": {
      "note": "Every posted item on current account x2196 since 2026-07-09; amounts signed (debits negative); balance after each item",
      "columns": [
        "ts",
        "type",
        "amount_gbp",
        "balance_gbp",
        "description",
        "detail"
      ],
      "rows": [
        [
          "2026-07-09T08:06:26+01:00",
          "card",
          -3.5,
          2377.47,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-07-10T06:07:12+01:00",
          "card",
          -11.99,
          2365.48,
          "SPOTIFY",
          "recurring"
        ],
        [
          "2026-07-10T07:31:28+01:00",
          "card",
          -5.48,
          2360,
          "NORTHERN TRAINS",
          "contactless"
        ],
        [
          "2026-07-10T20:16:30+01:00",
          "card",
          -16.48,
          2343.52,
          "UBER *TRIP",
          "online, 3-D Secure"
        ],
        [
          "2026-07-13T10:35:38+01:00",
          "card",
          -8.17,
          2335.35,
          "GREGGS 1820 LEEDS",
          "chip and PIN"
        ],
        [
          "2026-07-14T06:11:21+01:00",
          "direct_debit",
          -22,
          2313.35,
          "EE LIMITED",
          "mobile"
        ],
        [
          "2026-07-14T07:42:32+01:00",
          "card",
          -3.64,
          2309.71,
          "FIRST BUS WEST YORKS",
          "Apple Pay"
        ],
        [
          "2026-07-14T13:13:42+01:00",
          "card",
          -8.22,
          2301.49,
          "PRET A MANGER LEEDS",
          "contactless"
        ],
        [
          "2026-07-14T14:16:33+01:00",
          "card",
          -9.84,
          2291.65,
          "ALDI 112 KIRKSTALL",
          "Apple Pay"
        ],
        [
          "2026-07-15T18:39:46+01:00",
          "card",
          -28.17,
          2263.48,
          "UBER *EATS",
          "online, 3-D Secure"
        ],
        [
          "2026-07-16T06:13:16+01:00",
          "card",
          -10.99,
          2252.49,
          "NETFLIX.COM",
          "recurring"
        ],
        [
          "2026-07-16T17:59:26+01:00",
          "card",
          -6.86,
          2245.63,
          "ALDI 112 KIRKSTALL",
          "contactless"
        ],
        [
          "2026-07-17T08:04:28+01:00",
          "card",
          -4.3,
          2241.33,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-07-17T19:40:08+01:00",
          "card",
          -22.14,
          2219.19,
          "DELIVEROO",
          "online, 3-D Secure"
        ],
        [
          "2026-07-17T21:18:55+01:00",
          "card",
          -18.44,
          2200.75,
          "NORTH BAR LEEDS",
          "contactless"
        ],
        [
          "2026-07-17T23:27:44+01:00",
          "card",
          -12.81,
          2187.94,
          "AMBER CARS LEEDS",
          "online, 3-D Secure"
        ],
        [
          "2026-07-18T21:37:19+01:00",
          "card",
          -15.53,
          2172.41,
          "AMBER CARS LEEDS",
          "online, card on file"
        ],
        [
          "2026-07-19T20:23:41+01:00",
          "card",
          -39.67,
          2132.74,
          "CO-OP GROUP 4410 HEADINGLEY",
          "contactless"
        ],
        [
          "2026-07-20T06:50:10+01:00",
          "direct_debit",
          -35,
          2097.74,
          "VIRGIN MEDIA",
          "broadband"
        ],
        [
          "2026-07-20T08:18:30+01:00",
          "card",
          -6.17,
          2091.57,
          "NORTHERN TRAINS",
          "contactless"
        ],
        [
          "2026-07-21T09:50:25+01:00",
          "card",
          -6.59,
          2084.98,
          "GREGGS 1820 LEEDS",
          "chip and PIN"
        ],
        [
          "2026-07-21T19:56:01+01:00",
          "card",
          -16.94,
          2068.04,
          "UBER *EATS",
          "online, 3-D Secure"
        ],
        [
          "2026-07-22T08:28:04+01:00",
          "card",
          -2.84,
          2065.2,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-07-23T07:26:47+01:00",
          "card",
          -3.54,
          2061.66,
          "NORTHERN TRAINS",
          "contactless"
        ],
        [
          "2026-07-23T09:15:56+01:00",
          "card",
          -5.55,
          2056.11,
          "LEON LEEDS",
          "contactless"
        ],
        [
          "2026-07-23T22:11:49+01:00",
          "card",
          -32.81,
          2023.3,
          "TAPAS REVOLUTION LEEDS",
          "contactless"
        ],
        [
          "2026-07-24T06:49:08+01:00",
          "internal_transfer_out",
          -700,
          1323.3,
          "TO EASY ACCESS SAVER x5530",
          "monthly saving, standing transfer"
        ],
        [
          "2026-07-24T06:58:40+01:00",
          "bacs_credit",
          2958.4,
          4281.7,
          "NORTHVALE LOGISTICS LTD",
          "salary"
        ],
        [
          "2026-07-24T08:35:36+01:00",
          "card",
          -6.84,
          4274.86,
          "NORTHERN TRAINS",
          "chip and PIN"
        ],
        [
          "2026-07-24T19:56:39+01:00",
          "card",
          -28.08,
          4246.78,
          "NORTH BAR LEEDS",
          "contactless"
        ],
        [
          "2026-07-24T20:21:54+01:00",
          "card",
          -7.94,
          4238.84,
          "AMBER CARS LEEDS",
          "online, card on file"
        ],
        [
          "2026-07-26T13:05:23+01:00",
          "faster_payment_in",
          11.86,
          4250.7,
          "JESS PELLING",
          "ref DINNER"
        ],
        [
          "2026-07-27T12:35:12+01:00",
          "card",
          -17.98,
          4232.72,
          "SAINSBURYS S/MKTS LEEDS",
          "contactless"
        ],
        [
          "2026-07-27T14:22:47+01:00",
          "faster_payment_in",
          22.43,
          4255.15,
          "JESS PELLING",
          "ref PETROL"
        ],
        [
          "2026-07-28T07:43:47+01:00",
          "card",
          -4.47,
          4250.68,
          "FIRST BUS WEST YORKS",
          "Apple Pay"
        ],
        [
          "2026-07-28T07:51:30+01:00",
          "card",
          -6.59,
          4244.09,
          "LEON LEEDS",
          "contactless"
        ],
        [
          "2026-07-28T14:18:10+01:00",
          "card",
          -55.27,
          4188.82,
          "SAINSBURYS S/MKTS LEEDS",
          "chip and PIN"
        ],
        [
          "2026-07-29T22:07:56+01:00",
          "card",
          -38.52,
          4150.3,
          "AMAZON.CO.UK*7Q1",
          "online, card on file"
        ],
        [
          "2026-07-30T08:19:49+01:00",
          "card",
          -5.51,
          4144.79,
          "NORTHERN TRAINS",
          "contactless"
        ],
        [
          "2026-07-30T13:12:18+01:00",
          "card",
          -5.75,
          4139.04,
          "PRET A MANGER LEEDS",
          "contactless"
        ],
        [
          "2026-07-30T17:45:20+01:00",
          "card",
          -16.93,
          4122.11,
          "BOOTS 0457 LEEDS",
          "chip and PIN"
        ],
        [
          "2026-07-30T22:04:34+01:00",
          "card",
          -37.71,
          4084.4,
          "THE BREWERY TAP LEEDS",
          "Apple Pay"
        ],
        [
          "2026-07-31T09:48:00+01:00",
          "card",
          -5.13,
          4079.27,
          "COSTA COFFEE LEEDS STN",
          "chip and PIN"
        ],
        [
          "2026-08-03T06:01:12+01:00",
          "direct_debit",
          -24.99,
          4054.28,
          "PUREGYM LTD",
          "gym"
        ],
        [
          "2026-08-03T06:15:23+01:00",
          "direct_debit",
          -143,
          3911.28,
          "LEEDS CITY COUNCIL",
          "council tax, 10 instalments"
        ],
        [
          "2026-08-03T06:32:44+01:00",
          "standing_order",
          -925,
          2986.28,
          "PARKSIDE LETTINGS LTD",
          "rent, standing order"
        ],
        [
          "2026-08-03T11:07:46+01:00",
          "card",
          -6.36,
          2979.92,
          "LEON LEEDS",
          "contactless"
        ],
        [
          "2026-08-03T20:52:56+01:00",
          "card",
          -19.39,
          2960.53,
          "DELIVEROO",
          "online, card on file"
        ],
        [
          "2026-08-05T07:53:05+01:00",
          "card",
          -6.35,
          2954.18,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-08-05T19:51:18+01:00",
          "card",
          -25.67,
          2928.51,
          "UBER *EATS",
          "online, 3-D Secure"
        ],
        [
          "2026-08-06T07:57:40+01:00",
          "card",
          -6.54,
          2921.97,
          "FIRST BUS WEST YORKS",
          "Apple Pay"
        ],
        [
          "2026-08-06T08:27:57+01:00",
          "card",
          -8.23,
          2913.74,
          "GREGGS 1820 LEEDS",
          "contactless"
        ],
        [
          "2026-08-06T20:55:44+01:00",
          "card",
          -17.12,
          2896.62,
          "TAPAS REVOLUTION LEEDS",
          "chip and PIN"
        ],
        [
          "2026-08-07T07:29:12+01:00",
          "card",
          -6.62,
          2890,
          "FIRST BUS WEST YORKS",
          "chip and PIN"
        ],
        [
          "2026-08-07T10:58:14+01:00",
          "card",
          -3.96,
          2886.04,
          "PRET A MANGER LEEDS",
          "Apple Pay"
        ],
        [
          "2026-08-08T19:56:51+01:00",
          "card",
          -41.91,
          2844.13,
          "TAPAS REVOLUTION LEEDS",
          "contactless"
        ],
        [
          "2026-08-08T21:44:53+01:00",
          "card",
          -34.8,
          2809.33,
          "AMAZON.CO.UK*7Q1",
          "online, 3-D Secure"
        ],
        [
          "2026-08-09T20:21:11+01:00",
          "card",
          -17.2,
          2792.13,
          "UBER *EATS",
          "online, card on file"
        ],
        [
          "2026-08-10T06:37:48+01:00",
          "direct_debit",
          -78,
          2714.13,
          "OCTOPUS ENERGY",
          "gas and electricity"
        ],
        [
          "2026-08-10T20:05:50+01:00",
          "card",
          -17.16,
          2696.97,
          "DELIVEROO",
          "online, card on file"
        ],
        [
          "2026-08-11T06:31:22+01:00",
          "card",
          -11.99,
          2684.98,
          "SPOTIFY",
          "recurring"
        ],
        [
          "2026-08-11T07:35:13+01:00",
          "card",
          -5.89,
          2679.09,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-08-11T11:53:35+01:00",
          "card",
          -7.05,
          2672.04,
          "PRET A MANGER LEEDS",
          "chip and PIN"
        ],
        [
          "2026-08-11T14:35:10+01:00",
          "card",
          -8.14,
          2663.9,
          "BOOTS 0457 LEEDS",
          "contactless"
        ],
        [
          "2026-08-12T11:43:06+01:00",
          "card",
          -5.51,
          2658.39,
          "COSTA COFFEE LEEDS STN",
          "contactless"
        ],
        [
          "2026-08-13T09:30:00+01:00",
          "fee",
          -999,
          1659.39,
          "MORTGAGE PRODUCT FEE M-7720118",
          "our mortgage product fee, paid on application"
        ],
        [
          "2026-08-13T12:17:27+01:00",
          "card",
          -8.44,
          1650.95,
          "PRET A MANGER LEEDS",
          "contactless"
        ],
        [
          "2026-08-13T22:02:09+01:00",
          "card",
          -28.74,
          1622.21,
          "ASOS.COM",
          "online, 3-D Secure"
        ],
        [
          "2026-08-14T06:39:11+01:00",
          "direct_debit",
          -22,
          1600.21,
          "EE LIMITED",
          "mobile"
        ],
        [
          "2026-08-14T06:53:21+01:00",
          "card",
          -10.99,
          1589.22,
          "NETFLIX.COM",
          "recurring"
        ],
        [
          "2026-08-14T19:30:08+01:00",
          "card",
          -15.13,
          1574.09,
          "UBER *EATS",
          "online, card on file"
        ],
        [
          "2026-08-15T22:16:10+01:00",
          "card",
          -18.9,
          1555.19,
          "AMBER CARS LEEDS",
          "online, 3-D Secure"
        ],
        [
          "2026-08-16T16:08:11+01:00",
          "faster_payment_out",
          -28.72,
          1526.47,
          "JESS PELLING",
          "saved payee, ref TAXI"
        ],
        [
          "2026-08-18T08:07:09+01:00",
          "card",
          -5.49,
          1520.98,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-08-18T08:19:57+01:00",
          "card",
          -4.39,
          1516.59,
          "PRET A MANGER LEEDS",
          "Apple Pay"
        ],
        [
          "2026-08-19T06:28:45+01:00",
          "direct_debit",
          -35,
          1481.59,
          "VIRGIN MEDIA",
          "broadband"
        ],
        [
          "2026-08-19T07:53:39+01:00",
          "card",
          -3.03,
          1478.56,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-08-19T21:02:56+01:00",
          "card",
          -35.33,
          1443.23,
          "ASOS.COM",
          "online, card on file"
        ],
        [
          "2026-08-20T17:24:51+01:00",
          "card",
          -14.87,
          1428.36,
          "SUPERDRUG LEEDS",
          "chip and PIN"
        ],
        [
          "2026-08-21T08:00:32+01:00",
          "card",
          -6.82,
          1421.54,
          "PRET A MANGER LEEDS",
          "Apple Pay"
        ],
        [
          "2026-08-23T13:26:24+01:00",
          "card",
          -10.11,
          1411.43,
          "BOOTS 0457 LEEDS",
          "contactless"
        ],
        [
          "2026-08-23T20:40:07+01:00",
          "faster_payment_out",
          -36.76,
          1374.67,
          "JESS PELLING",
          "saved payee, ref GIFT"
        ],
        [
          "2026-08-24T19:45:42+01:00",
          "card",
          -11.24,
          1363.43,
          "AMAZON.CO.UK*7Q1",
          "online, 3-D Secure"
        ],
        [
          "2026-08-25T06:20:17+01:00",
          "bacs_credit",
          2958.4,
          4321.83,
          "NORTHVALE LOGISTICS LTD",
          "salary"
        ],
        [
          "2026-08-25T13:46:41+01:00",
          "card",
          -17.22,
          4304.61,
          "BOOTS 0457 LEEDS",
          "contactless"
        ],
        [
          "2026-08-26T06:40:34+01:00",
          "internal_transfer_out",
          -700,
          3604.61,
          "TO EASY ACCESS SAVER x5530",
          "monthly saving, standing transfer"
        ],
        [
          "2026-08-26T21:28:18+01:00",
          "card",
          -14.26,
          3590.35,
          "UBER *EATS",
          "online, card on file"
        ],
        [
          "2026-08-27T13:27:11+01:00",
          "card",
          -6.22,
          3584.13,
          "COSTA COFFEE LEEDS STN",
          "contactless"
        ],
        [
          "2026-08-27T18:40:07+01:00",
          "card",
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          3543.22,
          "NORTH BAR LEEDS",
          "Apple Pay"
        ],
        [
          "2026-08-28T10:30:51+01:00",
          "card",
          -4.28,
          3538.94,
          "GREGGS 1820 LEEDS",
          "Apple Pay"
        ],
        [
          "2026-08-28T16:57:15+01:00",
          "card",
          -8.32,
          3530.62,
          "BOOTS 0457 LEEDS",
          "Apple Pay"
        ],
        [
          "2026-08-28T17:54:50+01:00",
          "card",
          -39.31,
          3491.31,
          "SAINSBURYS S/MKTS LEEDS",
          "chip and PIN"
        ],
        [
          "2026-08-28T21:19:28+01:00",
          "card",
          -35.4,
          3455.91,
          "NORTH BAR LEEDS",
          "contactless"
        ],
        [
          "2026-08-29T14:29:19+01:00",
          "card",
          -13.1,
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          "CO-OP GROUP 4410 HEADINGLEY",
          "Apple Pay"
        ],
        [
          "2026-08-29T19:12:10+01:00",
          "card",
          -14.9,
          3427.91,
          "TAPAS REVOLUTION LEEDS",
          "chip and PIN"
        ],
        [
          "2026-08-30T16:50:44+01:00",
          "card",
          -50.67,
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          "CO-OP GROUP 4410 HEADINGLEY",
          "contactless"
        ],
        [
          "2026-08-31T08:44:55+01:00",
          "card",
          -6.82,
          3370.42,
          "PRET A MANGER LEEDS",
          "chip and PIN"
        ],
        [
          "2026-08-31T18:17:28+01:00",
          "card",
          -26.29,
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          "CO-OP GROUP 4410 HEADINGLEY",
          "contactless"
        ],
        [
          "2026-09-01T06:13:59+01:00",
          "standing_order",
          -925,
          2419.13,
          "PARKSIDE LETTINGS LTD",
          "rent, standing order"
        ],
        [
          "2026-09-01T06:30:53+01:00",
          "direct_debit",
          -143,
          2276.13,
          "LEEDS CITY COUNCIL",
          "council tax, 10 instalments"
        ],
        [
          "2026-09-01T07:31:16+01:00",
          "card",
          -4.5,
          2271.63,
          "FIRST BUS WEST YORKS",
          "Apple Pay"
        ],
        [
          "2026-09-01T19:40:03+01:00",
          "card",
          -20.12,
          2251.51,
          "SAINSBURYS S/MKTS LEEDS",
          "chip and PIN"
        ],
        [
          "2026-09-02T11:29:39+01:00",
          "card",
          -3.31,
          2248.2,
          "LEON LEEDS",
          "Apple Pay"
        ],
        [
          "2026-09-02T14:12:00+01:00",
          "card",
          -450,
          1798.2,
          "AIREDALE SURVEYORS LTD",
          "online, 3-D Secure; RICS Level 2 survey"
        ],
        [
          "2026-09-03T06:11:31+01:00",
          "direct_debit",
          -24.99,
          1773.21,
          "PUREGYM LTD",
          "gym"
        ],
        [
          "2026-09-03T08:15:44+01:00",
          "card",
          -4.03,
          1769.18,
          "FIRST BUS WEST YORKS",
          "Apple Pay"
        ],
        [
          "2026-09-03T12:36:30+01:00",
          "card",
          -18.42,
          1750.76,
          "TESCO STORES 3297 LEEDS",
          "contactless"
        ],
        [
          "2026-09-03T12:56:46+01:00",
          "card",
          -8.48,
          1742.28,
          "PRET A MANGER LEEDS",
          "contactless"
        ],
        [
          "2026-09-03T13:08:43+01:00",
          "card",
          -8.24,
          1734.04,
          "SUPERDRUG LEEDS",
          "Apple Pay"
        ],
        [
          "2026-09-03T20:15:10+01:00",
          "card",
          -32.29,
          1701.75,
          "TAPAS REVOLUTION LEEDS",
          "contactless"
        ],
        [
          "2026-09-04T07:36:58+01:00",
          "card",
          -3.56,
          1698.19,
          "NORTHERN TRAINS",
          "contactless"
        ],
        [
          "2026-09-04T09:04:00+01:00",
          "card",
          -3.67,
          1694.52,
          "GREGGS 1820 LEEDS",
          "contactless"
        ],
        [
          "2026-09-04T22:29:50+01:00",
          "card",
          -7.72,
          1686.8,
          "AMBER CARS LEEDS",
          "online, 3-D Secure"
        ],
        [
          "2026-09-05T19:50:04+01:00",
          "card",
          -30.35,
          1656.45,
          "JOHN LEWIS ONLINE",
          "online, 3-D Secure"
        ],
        [
          "2026-09-06T11:59:23+01:00",
          "faster_payment_out",
          -21.83,
          1634.62,
          "HANNAH OKONJO",
          "saved payee, ref TAXI"
        ],
        [
          "2026-09-07T07:36:48+01:00",
          "card",
          -5.12,
          1629.5,
          "FIRST BUS WEST YORKS",
          "chip and PIN"
        ],
        [
          "2026-09-07T19:34:18+01:00",
          "faster_payment_in",
          17.11,
          1646.61,
          "JESS PELLING",
          "ref DINNER"
        ],
        [
          "2026-09-08T06:49:37+01:00",
          "direct_debit",
          -78,
          1568.61,
          "OCTOPUS ENERGY",
          "gas and electricity"
        ],
        [
          "2026-09-08T07:52:04+01:00",
          "card",
          -5.84,
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          "FIRST BUS WEST YORKS",
          "Apple Pay"
        ],
        [
          "2026-09-09T08:31:05+01:00",
          "card",
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          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-09-09T10:50:12+01:00",
          "card",
          -7.94,
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          "COSTA COFFEE LEEDS STN",
          "contactless"
        ],
        [
          "2026-09-09T20:29:28+01:00",
          "card",
          -17.03,
          1533.47,
          "TESCO STORES 3297 LEEDS",
          "contactless"
        ],
        [
          "2026-09-10T07:35:24+01:00",
          "card",
          -4.85,
          1528.62,
          "FIRST BUS WEST YORKS",
          "Apple Pay"
        ],
        [
          "2026-09-10T09:41:14+01:00",
          "card",
          -3.44,
          1525.18,
          "LEON LEEDS",
          "contactless"
        ],
        [
          "2026-09-10T17:04:42+01:00",
          "card",
          -39.54,
          1485.64,
          "CO-OP GROUP 4410 HEADINGLEY",
          "Apple Pay"
        ],
        [
          "2026-09-11T06:00:28+01:00",
          "card",
          -11.99,
          1473.65,
          "SPOTIFY",
          "recurring"
        ],
        [
          "2026-09-11T07:45:58+01:00",
          "card",
          -5.9,
          1467.75,
          "NORTHERN TRAINS",
          "chip and PIN"
        ],
        [
          "2026-09-11T20:10:13+01:00",
          "card",
          -10.78,
          1456.97,
          "AMBER CARS LEEDS",
          "online, 3-D Secure"
        ],
        [
          "2026-09-12T14:22:08+01:00",
          "card",
          -21.14,
          1435.83,
          "TESCO STORES 3297 LEEDS",
          "Apple Pay"
        ],
        [
          "2026-09-12T19:04:32+01:00",
          "card",
          -12,
          1423.83,
          "AMBER CARS LEEDS",
          "online, 3-D Secure"
        ],
        [
          "2026-09-14T06:25:37+01:00",
          "direct_debit",
          -22,
          1401.83,
          "EE LIMITED",
          "mobile"
        ],
        [
          "2026-09-14T12:19:02+01:00",
          "card",
          -6.78,
          1395.05,
          "COSTA COFFEE LEEDS STN",
          "Apple Pay"
        ],
        [
          "2026-09-15T08:11:02+01:00",
          "card",
          -2.76,
          1392.29,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-09-16T06:20:50+01:00",
          "card",
          -10.99,
          1381.3,
          "NETFLIX.COM",
          "recurring"
        ],
        [
          "2026-09-16T09:09:08+01:00",
          "card",
          -3.55,
          1377.75,
          "PRET A MANGER LEEDS",
          "chip and PIN"
        ],
        [
          "2026-09-16T15:01:32+01:00",
          "card",
          -46.64,
          1331.11,
          "CO-OP GROUP 4410 HEADINGLEY",
          "Apple Pay"
        ],
        [
          "2026-09-17T07:34:36+01:00",
          "card",
          -6.2,
          1324.91,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-09-17T19:53:01+01:00",
          "card",
          -48.65,
          1276.26,
          "SAINSBURYS S/MKTS LEEDS",
          "chip and PIN"
        ],
        [
          "2026-09-18T10:58:01+01:00",
          "card",
          -3.67,
          1272.59,
          "LEON LEEDS",
          "chip and PIN"
        ],
        [
          "2026-09-18T22:34:20+01:00",
          "card",
          -10.07,
          1262.52,
          "UBER *TRIP",
          "online, card on file"
        ],
        [
          "2026-09-19T16:37:10+01:00",
          "card",
          -29.69,
          1232.83,
          "ALDI 112 KIRKSTALL",
          "contactless"
        ],
        [
          "2026-09-21T06:17:17+01:00",
          "direct_debit",
          -35,
          1197.83,
          "VIRGIN MEDIA",
          "broadband"
        ],
        [
          "2026-09-21T08:38:58+01:00",
          "card",
          -6.86,
          1190.97,
          "LEON LEEDS",
          "Apple Pay"
        ],
        [
          "2026-09-22T12:40:00+01:00",
          "card",
          -300,
          890.97,
          "HOLLIS PRYOR SOLS LEEDS",
          "card payment by phone; on-account fee for searches"
        ],
        [
          "2026-09-22T20:28:13+01:00",
          "card",
          -39.56,
          851.41,
          "JOHN LEWIS ONLINE",
          "online, card on file"
        ],
        [
          "2026-09-23T07:39:53+01:00",
          "card",
          -5.1,
          846.31,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-09-23T12:18:16+01:00",
          "card",
          -5.98,
          840.33,
          "LEON LEEDS",
          "contactless"
        ],
        [
          "2026-09-23T19:53:49+01:00",
          "card",
          -23.86,
          816.47,
          "AMAZON.CO.UK*7Q1",
          "online, 3-D Secure"
        ],
        [
          "2026-09-24T07:27:29+01:00",
          "card",
          -2.85,
          813.62,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-09-24T11:41:51+01:00",
          "card",
          -2.83,
          810.79,
          "COSTA COFFEE LEEDS STN",
          "contactless"
        ],
        [
          "2026-09-24T12:02:35+01:00",
          "card",
          -5.77,
          805.02,
          "SUPERDRUG LEEDS",
          "contactless"
        ],
        [
          "2026-09-24T16:39:20+01:00",
          "card",
          -50.99,
          754.03,
          "CO-OP GROUP 4410 HEADINGLEY",
          "chip and PIN"
        ],
        [
          "2026-09-24T19:02:04+01:00",
          "card",
          -32.98,
          721.05,
          "TAPAS REVOLUTION LEEDS",
          "Apple Pay"
        ],
        [
          "2026-09-24T21:21:14+01:00",
          "card",
          -19.66,
          701.39,
          "ASOS.COM",
          "online, card on file"
        ],
        [
          "2026-09-25T06:17:17+01:00",
          "internal_transfer_out",
          -700,
          1.39,
          "TO EASY ACCESS SAVER x5530",
          "monthly saving, standing transfer"
        ],
        [
          "2026-09-25T06:27:40+01:00",
          "bacs_credit",
          2958.4,
          2959.79,
          "NORTHVALE LOGISTICS LTD",
          "salary"
        ],
        [
          "2026-09-25T08:23:46+01:00",
          "card",
          -2.74,
          2957.05,
          "FIRST BUS WEST YORKS",
          "Apple Pay"
        ],
        [
          "2026-09-26T20:17:23+01:00",
          "faster_payment_out",
          -16.71,
          2940.34,
          "OMAR SIDDIQ",
          "saved payee, ref TAXI"
        ],
        [
          "2026-09-26T22:03:21+01:00",
          "card",
          -29.29,
          2911.05,
          "THE BREWERY TAP LEEDS",
          "chip and PIN"
        ],
        [
          "2026-09-26T22:18:05+01:00",
          "card",
          -49.19,
          2861.86,
          "ASOS.COM",
          "online, card on file"
        ],
        [
          "2026-09-27T11:23:17+01:00",
          "faster_payment_out",
          -18.26,
          2843.6,
          "JESS PELLING",
          "saved payee, ref TICKETS"
        ],
        [
          "2026-09-27T13:31:15+01:00",
          "card",
          -26.35,
          2817.25,
          "SAINSBURYS S/MKTS LEEDS",
          "contactless"
        ],
        [
          "2026-09-27T15:38:51+01:00",
          "card",
          -18.97,
          2798.28,
          "BOOTS 0457 LEEDS",
          "contactless"
        ],
        [
          "2026-09-28T08:26:50+01:00",
          "card",
          -4.09,
          2794.19,
          "FIRST BUS WEST YORKS",
          "chip and PIN"
        ],
        [
          "2026-09-28T16:41:03+01:00",
          "faster_payment_in",
          34.48,
          2828.67,
          "HANNAH OKONJO",
          "ref PETROL"
        ],
        [
          "2026-09-28T19:54:56+01:00",
          "card",
          -12.53,
          2816.14,
          "ALDI 112 KIRKSTALL",
          "Apple Pay"
        ],
        [
          "2026-09-29T08:08:16+01:00",
          "card",
          -2.59,
          2813.55,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-09-29T14:39:04+01:00",
          "card",
          -21.64,
          2791.91,
          "BOOTS 0457 LEEDS",
          "Apple Pay"
        ],
        [
          "2026-09-30T07:57:13+01:00",
          "card",
          -4.33,
          2787.58,
          "NORTHERN TRAINS",
          "chip and PIN"
        ],
        [
          "2026-09-30T11:16:24+01:00",
          "card",
          -7.73,
          2779.85,
          "GREGGS 1820 LEEDS",
          "contactless"
        ],
        [
          "2026-09-30T20:33:42+01:00",
          "card",
          -27.04,
          2752.81,
          "ASOS.COM",
          "online, 3-D Secure"
        ],
        [
          "2026-10-01T06:10:26+01:00",
          "direct_debit",
          -143,
          2609.81,
          "LEEDS CITY COUNCIL",
          "council tax, 10 instalments"
        ],
        [
          "2026-10-01T06:13:57+01:00",
          "standing_order",
          -925,
          1684.81,
          "PARKSIDE LETTINGS LTD",
          "rent, standing order"
        ],
        [
          "2026-10-01T08:31:25+01:00",
          "card",
          -5.47,
          1679.34,
          "NORTHERN TRAINS",
          "Apple Pay"
        ],
        [
          "2026-10-02T08:18:08+01:00",
          "card",
          -3.97,
          1675.37,
          "NORTHERN TRAINS",
          "contactless"
        ],
        [
          "2026-10-02T17:17:09+01:00",
          "card",
          -43.87,
          1631.5,
          "SAINSBURYS S/MKTS LEEDS",
          "contactless"
        ],
        [
          "2026-10-02T18:35:13+01:00",
          "card",
          -17.55,
          1613.95,
          "THE BREWERY TAP LEEDS",
          "contactless"
        ],
        [
          "2026-10-03T20:19:24+01:00",
          "card",
          -14.87,
          1599.08,
          "AMBER CARS LEEDS",
          "online, card on file"
        ],
        [
          "2026-10-04T15:28:52+01:00",
          "card",
          -48.55,
          1550.53,
          "CO-OP GROUP 4410 HEADINGLEY",
          "Apple Pay"
        ],
        [
          "2026-10-05T06:32:22+01:00",
          "direct_debit",
          -24.99,
          1525.54,
          "PUREGYM LTD",
          "gym"
        ],
        [
          "2026-10-05T07:30:18+01:00",
          "card",
          -3.93,
          1521.61,
          "FIRST BUS WEST YORKS",
          "chip and PIN"
        ],
        [
          "2026-10-06T08:19:07+01:00",
          "card",
          -3.17,
          1518.44,
          "FIRST BUS WEST YORKS",
          "contactless"
        ],
        [
          "2026-10-07T08:09:04+01:00",
          "card",
          -3.69,
          1514.75,
          "NORTHERN TRAINS",
          "chip and PIN"
        ],
        [
          "2026-10-08T06:15:13+01:00",
          "direct_debit",
          -78,
          1436.75,
          "OCTOPUS ENERGY",
          "gas and electricity"
        ],
        [
          "2026-10-08T12:49:03+01:00",
          "internal_transfer_in",
          29000,
          30436.75,
          "FROM EASY ACCESS SAVER x5530",
          "own transfer, in the current session"
        ]
      ]
    },
    "payees": {
      "columns": [
        "payee",
        "sort_code",
        "account",
        "payee_bank",
        "added",
        "confirmation_of_payee_at_setup",
        "payments_12m",
        "paid_12m_gbp",
        "last_paid"
      ],
      "rows": [
        [
          "HANNAH OKONJO",
          "xx-xx-19",
          "x6604",
          "Large UK high-street bank",
          "2019-09-14",
          "Match",
          4,
          124.09,
          "2026-09-06"
        ],
        [
          "MARYAM RAHMAN",
          "xx-xx-77",
          "x2881",
          "Large UK high-street bank",
          "2016-02-02",
          "Not checked (added before 2020)",
          3,
          115.07,
          "2026-06-28"
        ],
        [
          "JESS PELLING",
          "xx-xx-40",
          "x9137",
          "UK app-only bank",
          "2023-07-21",
          "Match",
          5,
          137.38,
          "2026-09-27"
        ],
        [
          "OMAR SIDDIQ",
          "xx-xx-52",
          "x0415",
          "UK building society",
          "2024-11-30",
          "Close match (MBAM), name returned 'Omar A Siddiq'",
          2,
          36.22,
          "2026-09-26"
        ],
        [
          "PARKSIDE LETTINGS LTD",
          "xx-xx-03",
          "x8812",
          "Large UK high-street bank",
          "2023-04-24",
          "Match (business account)",
          12,
          11100,
          "2026-10-01"
        ]
      ]
    },
    "payment_pattern_12_months": {
      "payments_to_people_and_firms": 26,
      "new_payees_added": 0,
      "largest_payment_gbp": 925,
      "largest_payment_to": "PARKSIDE LETTINGS LTD (rent)",
      "payments_over_2000_gbp": 0
    },
    "devices": [
      {
        "device": "iPhone 16, our iOS app",
        "registered": "2026-10-03",
        "how": "One-time code texted to 07700 900127, then debit card number, expiry and security code",
        "last_used": "2026-10-08",
        "sessions_since_registered": 11
      },
      {
        "device": "iPhone 12, our iOS app",
        "registered": "2021-06-02",
        "how": "Card reader",
        "status": "Removed by the customer on 2026-10-03 when the iPhone 16 was registered"
      }
    ],
    "app_logins_last_30_days": {
      "columns": [
        "start",
        "device",
        "network",
        "authentication",
        "minutes",
        "activity"
      ],
      "rows": [
        [
          "2026-09-08T09:53:57+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          3.1,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-09T14:27:00+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          2.9,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-10T15:07:32+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          1,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-11T22:34:13+01:00",
          "iPhone 12, our iOS app",
          "Northvale Logistics office Wi-Fi, Leeds",
          "Face ID",
          1,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-12T14:34:18+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          1.9,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-12T19:17:40+01:00",
          "iPhone 12, our iOS app",
          "Northvale Logistics office Wi-Fi, Leeds",
          "Face ID",
          1.5,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-13T09:42:04+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          1.2,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-14T15:42:52+01:00",
          "iPhone 12, our iOS app",
          "Northvale Logistics office Wi-Fi, Leeds",
          "Face ID",
          2.1,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-14T16:49:30+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          3,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-15T12:32:42+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          1.8,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-16T11:59:43+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          1.4,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-17T17:57:36+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          1.3,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-18T16:14:04+01:00",
          "iPhone 12, our iOS app",
          "Northvale Logistics office Wi-Fi, Leeds",
          "Face ID",
          0.6,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-18T18:36:53+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          2.1,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-19T08:47:11+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          1.5,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-20T22:37:39+01:00",
          "iPhone 12, our iOS app",
          "Northvale Logistics office Wi-Fi, Leeds",
          "Face ID",
          2.8,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-21T16:01:31+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          2.9,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-22T13:25:31+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          2.5,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-23T14:35:35+01:00",
          "iPhone 12, our iOS app",
          "Northvale Logistics office Wi-Fi, Leeds",
          "Face ID",
          1.5,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-24T15:17:13+01:00",
          "iPhone 12, our iOS app",
          "Northvale Logistics office Wi-Fi, Leeds",
          "Face ID",
          0.9,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-25T17:13:20+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          0.9,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-25T17:38:24+01:00",
          "iPhone 12, our iOS app",
          "Northvale Logistics office Wi-Fi, Leeds",
          "Face ID",
          1.2,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-26T12:33:16+01:00",
          "iPhone 12, our iOS app",
          "Northvale Logistics office Wi-Fi, Leeds",
          "Face ID",
          2.3,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-26T20:16:23+01:00",
          "iPhone 12, our iOS app",
          "Mobile network (EE)",
          "Face ID",
          1.6,
          "Paid OMAR SIDDIQ £16.71"
        ],
        [
          "2026-09-27T11:15:00+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          3.2,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-27T11:22:17+01:00",
          "iPhone 12, our iOS app",
          "Mobile network (EE)",
          "Face ID",
          1.6,
          "Paid JESS PELLING £18.26"
        ],
        [
          "2026-09-27T13:34:39+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          2.3,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-28T22:18:00+01:00",
          "iPhone 12, our iOS app",
          "Northvale Logistics office Wi-Fi, Leeds",
          "Face ID",
          3,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-29T16:06:16+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          2.8,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-09-29T20:14:51+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          3.9,
          "Changed email address (confirmation sent to old and new addresses)"
        ],
        [
          "2026-09-30T08:13:37+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          3,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-01T11:13:24+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          1.6,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-02T18:19:24+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          1,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-03T07:46:43+01:00",
          "iPhone 12, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          1.6,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-03T10:22:40+01:00",
          "iPhone 16, our iOS app",
          "Home broadband, Leeds",
          "SMS code + debit card details",
          6.2,
          "Registered new iPhone; removed iPhone 12 from the account"
        ],
        [
          "2026-10-04T14:46:57+01:00",
          "iPhone 16, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          1,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-05T11:35:47+01:00",
          "iPhone 16, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          2.2,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-05T17:49:06+01:00",
          "iPhone 16, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          0.8,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-06T07:46:26+01:00",
          "iPhone 16, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          2.7,
          "Viewed balances and recent transactions"
        ],
        [
          "2026-10-07T16:44:54+01:00",
          "iPhone 16, our iOS app",
          "Home broadband, Leeds",
          "Face ID",
          0.9,
          "Viewed balances and recent transactions"
        ]
      ]
    },
    "contact_detail_changes": [
      {
        "ts": "2026-09-29T20:16:30+01:00",
        "change": "Email changed from aisha.k.r@example.net to aisha.rahman@example.com",
        "how": "In the app on her iPhone 12 (registered 2021) from home broadband, Face ID; confirmation sent to both addresses; no reply to the old address"
      }
    ],
    "contact_history": [
      {
        "ts": "2026-08-12T18:10:00+01:00",
        "channel": "Phone, mortgage adviser",
        "note": "Mortgage application taken; first-time buyer; deposit from own savings."
      },
      {
        "ts": "2026-10-06T17:32:00+01:00",
        "channel": "Phone, mortgage team",
        "note": "See mortgage_application.adviser_notes."
      }
    ],
    "earlier_scam_warnings": [
      {
        "ts": "2023-04-24T19:40:00+01:00",
        "payee": "PARKSIDE LETTINGS LTD",
        "purpose_chosen": "Paying rent or a deposit on a rental",
        "warning": "Rental warning",
        "seconds_on_screen": 14,
        "outcome": "Confirmed; first rent paid"
      }
    ],
    "current_session": {
      "device": "iPhone 16, our iOS app (registered 2026-10-03), Face ID",
      "network": "Northvale Logistics office Wi-Fi, Leeds (seen on 64 sessions since 2024), IP 203.0.113.140",
      "started": "2026-10-08T12:47:55+01:00",
      "events": {
        "columns": [
          "ts",
          "event",
          "detail"
        ],
        "rows": [
          [
            "2026-10-08T12:47:55+01:00",
            "Login",
            "Face ID"
          ],
          [
            "2026-10-08T12:49:03+01:00",
            "Own transfer",
            "£29,000.00 from Easy Access Saver x5530 to current account x2196"
          ],
          [
            "2026-10-08T12:50:12+01:00",
            "New payee started",
            "Business account; name entered 'Hollis Pryor Solicitors LLP Client Account'"
          ],
          [
            "2026-10-08T12:50:40+01:00",
            "App in background",
            "48 s"
          ],
          [
            "2026-10-08T12:51:31+01:00",
            "Payee details entered",
            "Sort code xx-xx-58 and account x3140 pasted from the clipboard"
          ],
          [
            "2026-10-08T12:51:33+01:00",
            "Confirmation of Payee",
            "Match: 'Hollis Pryor Solicitors LLP Client Account' (business account)"
          ],
          [
            "2026-10-08T12:51:52+01:00",
            "App in background",
            "11 min 6 s"
          ],
          [
            "2026-10-08T13:02:58+01:00",
            "Payment attempt stopped",
            "£29,850.00 exceeds daily limit of £10,000; customer shown how to change limits"
          ],
          [
            "2026-10-08T13:03:20+01:00",
            "Limit change requested",
            "£10,000 to £35,000; one-time code texted to 07700 900127"
          ],
          [
            "2026-10-08T13:03:51+01:00",
            "Limit change confirmed",
            "Code entered 31 s after it was sent (autofilled from SMS)"
          ],
          [
            "2026-10-08T13:04:30+01:00",
            "Purpose chosen",
            "Paying a deposit or completion money for a property purchase"
          ],
          [
            "2026-10-08T13:04:31+01:00",
            "Conveyancing warning shown",
            "'Criminals send fake emails that look like they're from solicitors. Before you pay, call your solicitor on a number you found yourself to check the account details.'"
          ],
          [
            "2026-10-08T13:04:50+01:00",
            "Conveyancing warning",
            "Customer chose 'I've checked, continue' after 19 s"
          ],
          [
            "2026-10-08T13:06:18+01:00",
            "Payment submitted",
            "£29,850.00, reference 'HP/RAHMAN/24117'"
          ]
        ]
      },
      "behaviour_signals": {
        "source": "Our device and behaviour vendor's SDK in the app",
        "voice_call": "Outgoing phone call started at 12:52:04 while the app was in the background and ended at 13:02:41 (10 min 37 s). No call at submission. The app can't see who was called.",
        "remote_access_or_screen_sharing": "None detected",
        "payee_details_entry": "Sort code and account number pasted from the clipboard after a 48 s switch to another app; name typed in one burst",
        "reference_entry": "Typed in one burst, 'HP/RAHMAN/24117'",
        "session_length": "18 min 23 s to submission, 11 min of it with the app in the background; her median session is 1 min 40 s",
        "new_device": "Registered 5 days ago; 11 sessions since, all from her usual home and office networks",
        "vendor_scam_score": "58 of 100 (vendor's reasons: phone call during payee setup; pasted payee details; device registered in the last 7 days; long session)"
      }
    },
    "payment_under_review": {
      "payment_id": "FPO-20261008-1306-71344",
      "scheme": "Faster Payments, single immediate payment",
      "from_account": "Current account x2196",
      "amount_gbp": 29850,
      "balance_after_gbp": 586.75,
      "payee": {
        "name_entered": "Hollis Pryor Solicitors LLP Client Account",
        "account_type_entered": "Business",
        "sort_code": "xx-xx-58",
        "account": "x3140",
        "payee_bank": "Large UK high-street bank",
        "first_payment_to_payee": true
      },
      "reference": "HP/RAHMAN/24117",
      "confirmation_of_payee": {
        "result": "Match",
        "code": null,
        "name_returned": null,
        "customer_action": "None needed"
      },
      "purpose_and_answers": {
        "purpose": "Paying a deposit or completion money for a property purchase",
        "Who is this payment to?": "My solicitor or conveyancer",
        "How did you get the account details?": "From my solicitor's secure portal or in person",
        "Have the account details changed since you were first given them?": "No",
        "Have you called your solicitor on a number you found yourself to confirm the details?": "Yes"
      },
      "payee_intelligence": {
        "source": "Our payments consortium's shared receiving-account data and our own payment records",
        "account_opened": "2009-03-11",
        "account_type": "Business account; the receiving bank marks it as a solicitor's client account",
        "inbound_last_30_days": "Over 300 payments from over 200 payers at 14 banks, mostly £5,000 to £150,000; balances held for days to weeks before paying out",
        "consortium_mule_risk": "3 of 100 (low)",
        "our_other_customers": "48 customers of ours paid this account in the last 12 months (total £1.9 million); no scam or fraud reports",
        "our_own_payments": "Matches the client account on our conveyancer panel record for Hollis Pryor Solicitors LLP; our mortgage completions team has sent funds to it 11 times in 2026, most recently 2026-09-30",
        "scam_reports_on_this_account": "None"
      },
      "rules_fired": [
        "SP-07 Phone call in progress during a payment to a new payee (call during payee setup)",
        "SP-11 Faster Payments limit raised in the same session as the payment",
        "SP-12 Savings moved into the current account less than 30 minutes before a new-payee payment",
        "SP-15 Payment more than 5 times the customer's largest payment in 12 months",
        "SP-18 New device registered in the last 7 days",
        "SP-19 Email address changed in the last 14 days"
      ],
      "our_scam_model": "731 of 999 (warn from 500, hold from 700)"
    }
  },
  "questions": {
    "deceived": {
      "type": "noul",
      "instructions": "Is the customer making the payment under review because someone has deceived them, so that the money would go to a scammer or to an account a scammer controls? Answer from the sending bank's point of view, using what the record shows at this moment."
    },
    "scam_type": {
      "type": "choice",
      "instructions": "If the payment under review is part of a scam, which type is it? The options follow UK Finance's categories of authorised push payment (APP) scams. Choose none if the customer is not being deceived.",
      "criteria": {
        "purchase": "Purchase: paying for goods, a vehicle, a rental or services that don't exist or will never arrive",
        "investment": "Investment: paying into a fake or fraudulent investment, including crypto trading platforms, on a promise of high returns",
        "romance": "Romance: sending money to someone met online who built a relationship with the customer",
        "advance_fee": "Advance fee: paying a fee or tax up front to release a larger sum, a prize, a loan or a job, including task-based job scams",
        "invoice_mandate": "Invoice and mandate: paying a real bill, such as a solicitor, builder or supplier, to bank details a criminal substituted",
        "impersonation_police_bank": "Impersonation of police or bank staff: told to move money to a safe account or help an investigation",
        "impersonation_other": "Impersonation of anyone else: a government department, a utility, a delivery or tech company, or a family member or friend with a new number",
        "none": "None: the customer is not being deceived"
      }
    },
    "coached": {
      "type": "noul",
      "instructions": "Is a scammer directing the customer through this payment as it happens, for example on a phone call during the session, through remote access to the device, or by telling them how to answer our payment questions? If so, an on-screen warning is unlikely to stop the payment."
    },
    "action": {
      "type": "choice",
      "instructions": "What should the bank do with the payment under review, before it is sent?",
      "criteria": {
        "release": "Release: send the payment now",
        "warn": "Warn: show a warning written for the most likely scam type, and send the payment only if the customer confirms after reading it",
        "hold_and_call": "Hold and call: keep the payment unsent until a fraud specialist has spoken to the customer on the phone number on file, then send or cancel it depending on that conversation",
        "block": "Block: refuse the payment and further payments to this payee, stop payments to new payees, and have a fraud specialist contact the customer to explain the scam"
      }
    }
  }
}