| { |
| "version": 1, |
| "seed": 42, |
| "histories_path": "data/synthetic/token_ids.npy", |
| "treatment_names": [ |
| "settlement", |
| "payment_plan", |
| "soft_touch", |
| "no_offer" |
| ], |
| "band_names": [ |
| "unlikely_respond", |
| "ambiguous", |
| "likely_respond" |
| ], |
| "cast": [ |
| { |
| "pattern": "settlement_capable", |
| "display_name": "Customer A \u2014 discretionary lump sum", |
| "customer_idx": 9, |
| "context_idx": 63, |
| "treatment_labels": [ |
| 2, |
| 2, |
| 1, |
| 0 |
| ], |
| "treatment_label_names": [ |
| "likely_respond", |
| "likely_respond", |
| "ambiguous", |
| "unlikely_respond" |
| ], |
| "dominant_treatment": 0, |
| "dominant_treatment_name": "settlement", |
| "description": "Customer has 21 large-amount transactions, stable recent activity (velocity 4.9), and moderate spending volatility (54.8). Behavioral signature suggests the customer can muster a lump-sum settlement.", |
| "context_text": "Customer is 90 days past due on a $7,800 balance. Pre-charge-off window closes in 14 days. Recommend collections treatment.", |
| "diagnostics": { |
| "recent_velocity": 4.88, |
| "subscription_burden": 15, |
| "merchant_diversity": 16, |
| "large_amount_count": 21, |
| "spending_volatility": 54.83 |
| }, |
| "original_customer_idx": 69678 |
| }, |
| { |
| "pattern": "payment_plan_anchored", |
| "display_name": "Customer B \u2014 subscription rhythm", |
| "customer_idx": 11, |
| "context_idx": 63, |
| "treatment_labels": [ |
| 0, |
| 2, |
| 1, |
| 0 |
| ], |
| "treatment_label_names": [ |
| "unlikely_respond", |
| "likely_respond", |
| "ambiguous", |
| "unlikely_respond" |
| ], |
| "dominant_treatment": 1, |
| "dominant_treatment_name": "payment_plan", |
| "description": "Customer carries 18 recurring obligations with steady recent activity (velocity 6.4). Already tolerates auto-debits \u2014 a structured monthly payment plan is the natural fit.", |
| "context_text": "Account is 60 days past due, $3,200 outstanding. Last successful payment 75 days ago. What's the right treatment?", |
| "diagnostics": { |
| "recent_velocity": 6.44, |
| "subscription_burden": 18, |
| "merchant_diversity": 15, |
| "large_amount_count": 1, |
| "spending_volatility": 33.14 |
| }, |
| "original_customer_idx": 75512 |
| }, |
| { |
| "pattern": "dormant_subsistence", |
| "display_name": "Customer C \u2014 gone quiet", |
| "customer_idx": 17, |
| "context_idx": 63, |
| "treatment_labels": [ |
| 0, |
| 0, |
| 0, |
| 2 |
| ], |
| "treatment_label_names": [ |
| "unlikely_respond", |
| "unlikely_respond", |
| "unlikely_respond", |
| "likely_respond" |
| ], |
| "dominant_treatment": 3, |
| "dominant_treatment_name": "no_offer", |
| "description": "Recent activity is sparse (velocity 11.4), merchant diversity low (10 unique merchants), no large-amount transactions (3). Behavioral signature suggests the customer is dormant \u2014 write-off saves analyst hours over chase.", |
| "context_text": "Customer is 120 days past due on a $1,850 balance. Last contact 90 days ago. Account tenure 36 months. Should we keep pursuing?", |
| "diagnostics": { |
| "recent_velocity": 11.44, |
| "subscription_burden": 5, |
| "merchant_diversity": 10, |
| "large_amount_count": 3, |
| "spending_volatility": 49.29 |
| }, |
| "original_customer_idx": 190044 |
| }, |
| { |
| "pattern": "soft_touch_diverse", |
| "display_name": "Customer D \u2014 diversified, temporarily stuck", |
| "customer_idx": 4, |
| "context_idx": 63, |
| "treatment_labels": [ |
| 1, |
| 1, |
| 2, |
| 0 |
| ], |
| "treatment_label_names": [ |
| "ambiguous", |
| "ambiguous", |
| "likely_respond", |
| "unlikely_respond" |
| ], |
| "dominant_treatment": 2, |
| "dominant_treatment_name": "soft_touch", |
| "description": "Customer transacts across 18 unique merchants with healthy recent activity (velocity 4.3) and mid-range spending volatility (51.6). Pattern suggests a temporary cash crunch \u2014 light contact usually self-resolves these.", |
| "context_text": "Hey \u2014 this account is 45 days behind, $2,400 owed. Active spender historically. What's the right touch?", |
| "diagnostics": { |
| "recent_velocity": 4.31, |
| "subscription_burden": 7, |
| "merchant_diversity": 18, |
| "large_amount_count": 5, |
| "spending_volatility": 51.56 |
| }, |
| "original_customer_idx": 25778 |
| }, |
| { |
| "pattern": "ambiguous_mixed", |
| "display_name": "Customer E \u2014 analyst review", |
| "customer_idx": 2, |
| "context_idx": 63, |
| "treatment_labels": [ |
| 1, |
| 1, |
| 1, |
| 1 |
| ], |
| "treatment_label_names": [ |
| "ambiguous", |
| "ambiguous", |
| "ambiguous", |
| "ambiguous" |
| ], |
| "dominant_treatment": 0, |
| "dominant_treatment_name": "settlement", |
| "description": "Customer's behavioral signals fall in the middle of the distribution on every dimension \u2014 no single treatment stands out as the obvious recommendation. The model produces calibrated uncertainty across the four options; analyst review is warranted.", |
| "context_text": "Account flagged for review. 75dpd, $5,600 outstanding. Mid-range customer signals \u2014 what does the model say?", |
| "diagnostics": { |
| "recent_velocity": 10.44, |
| "subscription_burden": 18, |
| "merchant_diversity": 17, |
| "large_amount_count": 6, |
| "spending_volatility": 50.97 |
| }, |
| "original_customer_idx": 22015 |
| }, |
| { |
| "pattern": "borderline_settlement", |
| "display_name": "Customer F \u2014 close call", |
| "customer_idx": 1, |
| "context_idx": 63, |
| "treatment_labels": [ |
| 1, |
| 2, |
| 2, |
| 0 |
| ], |
| "treatment_label_names": [ |
| "ambiguous", |
| "likely_respond", |
| "likely_respond", |
| "unlikely_respond" |
| ], |
| "dominant_treatment": 1, |
| "dominant_treatment_name": "payment_plan", |
| "description": "Customer sits on the boundary of settlement viability: 9 large-amount transactions, velocity 6.5, volatility 55.5. Settlement is plausible but not confident; soft-touch is the safer first move.", |
| "context_text": "60dpd $4,300. Customer is a moderate spender \u2014 close call between settlement and soft-touch. Model's call?", |
| "diagnostics": { |
| "recent_velocity": 6.5, |
| "subscription_burden": 18, |
| "merchant_diversity": 18, |
| "large_amount_count": 9, |
| "spending_volatility": 55.47 |
| }, |
| "original_customer_idx": 21246 |
| } |
| ], |
| "subset_note": "customer_idx values have been remapped to [0, N) for HF Space deployment. original_customer_idx preserves the source pool index." |
| } |
