[
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        "Mobile Banking"
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      ],
      "risk_indicators": [
        "None material"
      ],
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        "Mobile Banking"
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        ],
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          "Active digital usage"
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          "customer_message": "Hi Sarah, we value you — dedicated business advisor. Reply HELP for support."
        },
        {
          "action": "Fee waivers",
          "customer_message": "Hi Sarah, we value you — fee waivers. Reply HELP for support."
        }
      ],
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        {
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          "customer_message": "Hi Sarah, explore business loans with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "POS Solutions",
          "customer_message": "Hi Sarah, explore pos solutions with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Payroll Services",
          "customer_message": "Hi Sarah, explore payroll services with us. Reply YES or visit a branch."
        }
      ]
    },
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        "transaction_id": "WLK1750100043-A02-T008-0abb57",
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    "customer_id": "WLK1750100049",
    "name": "Yaw Darko",
    "age": 37,
    "gender": "Male",
    "occupation": "Bank Clerk",
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        "Savings Account",
        "Mobile Banking",
        "Current Account"
      ],
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        "Yaw holds ₵743,516 across 3 product(s).",
        "Engagement score 0.51; risk score 0.65.",
        "Profile aligns with Premium Wealth criteria."
      ],
      "risk_indicators": [
        "None material"
      ],
      "confidence_score": 0.79,
      "growth_potential": "high",
      "next_best_action": {
        "action": "Schedule wealth management consultation",
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      },
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        "Mobile Banking",
        "Current Account"
      ],
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          "Active digital usage"
        ],
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      },
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        {
          "action": "Exclusive events",
          "customer_message": "Hi Yaw, we value you — exclusive events. Reply HELP for support."
        },
        {
          "action": "Priority support",
          "customer_message": "Hi Yaw, we value you — priority support. Reply HELP for support."
        },
        {
          "action": "Customized solutions",
          "customer_message": "Hi Yaw, we value you — customized solutions. Reply HELP for support."
        }
      ],
      "engagement_strategy": "Dedicated relationship manager, premium services",
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      "cross_sell_opportunities": [
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          "opportunity": "Wealth Management",
          "customer_message": "Hi Yaw, explore wealth management with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Investment Advisory",
          "customer_message": "Hi Yaw, explore investment advisory with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Private Banking",
          "customer_message": "Hi Yaw, explore private banking with us. Reply YES or visit a branch."
        }
      ]
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        },
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        },
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          "customer_message": "Hi Mary, explore premium cards with us. Reply YES or visit a branch."
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        "date": "2026-06-08T10:50:54",
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        "transaction_type": "credit",
        "description": "Salary credit",
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        "balance_after": 3621.03
      },
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        "date": "2026-05-29T22:50:54",
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        "description": "MoMo transfer",
        "channel": "Mobile Banking",
        "balance_after": 2950.01
      },
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        "date": "2026-05-23T12:50:54",
        "amount": 688.88,
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        "description": "Salary credit",
        "channel": "Mobile Banking",
        "balance_after": 3638.89
      },
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        "date": "2026-07-18T13:50:54",
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        "description": "Salary credit",
        "channel": "Mobile Banking",
        "balance_after": 3934.26
      },
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        "transaction_id": "WLK1750100060-A03-T008-fafed1",
        "date": "2026-06-09T14:50:54",
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        "description": "Salary credit",
        "channel": "Mobile Banking",
        "balance_after": 4612.09
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    ]
  },
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    "customer_id": "WLK1750100053",
    "name": "Abena Gyasi",
    "age": 24,
    "gender": "Female",
    "occupation": "Trader",
    "segment": "GROWTH_POTENTIAL",
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    "average_monthly_balance": 9054.48,
    "risk_score": 0.3699,
    "engagement_score": 0.2559,
    "transaction_count": 10,
    "last_updated": "2026-08-21T17:50:54",
    "ai_analysis": {
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        "Savings Account",
        "Mobile Banking",
        "Current Account"
      ],
      "key_insights": [
        "Abena holds ₵10,709 across 3 product(s).",
        "Engagement score 0.26; risk score 0.37.",
        "Profile aligns with Growth Potential criteria."
      ],
      "risk_indicators": [
        "None material"
      ],
      "confidence_score": 0.89,
      "growth_potential": "high",
      "next_best_action": {
        "action": "Promote savings and investment products",
        "customer_message": "Hi Abena, Promote savings and investment products. Reply YES to continue."
      },
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        "Savings Account",
        "Mobile Banking",
        "Current Account"
      ],
      "credit_assessment": {
        "rationale": "Income stability and growth potential holdings support overdraft.",
        "creditworthy": true,
        "risk_factors": [
          "Market concentration"
        ],
        "recommended_limit": "₵5,000 - ₵20,000",
        "positive_indicators": [
          "Regular inflows",
          "Active digital usage"
        ],
        "recommended_facility": "overdraft",
        "credit_score_estimate": "medium"
      },
      "retention_actions": [
        {
          "action": "Loyalty rewards",
          "customer_message": "Hi Abena, we value you — loyalty rewards. Reply HELP for support."
        },
        {
          "action": "Financial literacy content",
          "customer_message": "Hi Abena, we value you — financial literacy content. Reply HELP for support."
        }
      ],
      "engagement_strategy": "Growth-focused product recommendations and digital engagement",
      "recommended_segment": "GROWTH_POTENTIAL",
      "cross_sell_opportunities": [
        {
          "opportunity": "Savings Plans",
          "customer_message": "Hi Abena, explore savings plans with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Personal Loans",
          "customer_message": "Hi Abena, explore personal loans with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Investment Apps",
          "customer_message": "Hi Abena, explore investment apps with us. Reply YES or visit a branch."
        }
      ]
    },
    "phone_number": "233554694531",
    "email": "donchukz01@gmail.com",
    "income_range": "₵2,000 - ₵5,000 GHS",
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        "account_status": "Active",
        "current_balance": 3810.52,
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        "currency": "GHS",
        "is_primary": true
      },
      {
        "account_number": "WLK1750100053-A02",
        "account_type": "Mobile Banking",
        "account_status": "Active",
        "current_balance": 2805.25,
        "available_balance": 2722.14,
        "currency": "GHS",
        "is_primary": false
      },
      {
        "account_number": "WLK1750100053-A03",
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        "account_status": "Active",
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        "currency": "GHS",
        "is_primary": false
      }
    ],
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        "balance_after": 3538.06
      },
      {
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        "date": "2026-07-15T04:50:54",
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        "description": "ATM withdrawal",
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        "balance_after": 2992.29
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      {
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        "date": "2026-07-28T22:50:54",
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        "description": "Salary credit",
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        "balance_after": 3924.77
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      {
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        "description": "Bill payment",
        "channel": "Branch",
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        "date": "2026-08-07T22:50:54",
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        "description": "Bill payment",
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        "description": "POS purchase",
        "channel": "ATM",
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        "Mobile Banking"
      ],
      "key_insights": [
        "Sarah holds ₵200,259 across 2 product(s).",
        "Engagement score 0.44; risk score 0.19.",
        "Profile aligns with High Value criteria."
      ],
      "risk_indicators": [
        "None material"
      ],
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      "growth_potential": "high",
      "next_best_action": {
        "action": "Offer investment consultation",
        "customer_message": "Hi Sarah, Offer investment consultation. Reply YES to continue."
      },
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        "Mobile Banking"
      ],
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        "rationale": "Income stability and high value holdings support mortgage.",
        "creditworthy": true,
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          "Active digital usage"
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        "credit_score_estimate": "high"
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          "action": "Preferential rates",
          "customer_message": "Hi Sarah, we value you — preferential rates. Reply HELP for support."
        },
        {
          "action": "Priority support",
          "customer_message": "Hi Sarah, we value you — priority support. Reply HELP for support."
        }
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          "customer_message": "Hi Sarah, explore investment products with us. Reply YES or visit a branch."
        },
        {
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          "customer_message": "Hi Sarah, explore insurance with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Premium Cards",
          "customer_message": "Hi Sarah, explore premium cards with us. Reply YES or visit a branch."
        }
      ]
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        "description": "MoMo transfer",
        "channel": "POS",
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      },
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        "date": "2026-07-03T07:50:54",
        "amount": 821.64,
        "transaction_type": "credit",
        "description": "Salary credit",
        "channel": "POS",
        "balance_after": 95647.9
      },
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        "date": "2026-06-05T00:50:54",
        "amount": -1230.78,
        "transaction_type": "debit",
        "description": "POS purchase",
        "channel": "Mobile Banking",
        "balance_after": 94417.1
      },
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        "description": "ATM withdrawal",
        "channel": "Mobile Banking",
        "balance_after": 93502.9
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  {
    "customer_id": "WLK1750100044",
    "name": "Kwame Darko",
    "age": 62,
    "gender": "Male",
    "occupation": "Nurse",
    "segment": "DORMANT",
    "total_balance": 1333.88,
    "average_monthly_balance": 1222.76,
    "risk_score": 0.3475,
    "engagement_score": 0.3234,
    "transaction_count": 36,
    "last_updated": "2026-08-21T17:50:54",
    "ai_analysis": {
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        "Savings Account",
        "Mobile Banking",
        "Current Account"
      ],
      "key_insights": [
        "Kwame holds ₵1,334 across 3 product(s).",
        "Engagement score 0.32; risk score 0.35.",
        "Profile aligns with Dormant criteria."
      ],
      "risk_indicators": [
        "Declining engagement",
        "Low recent activity"
      ],
      "confidence_score": 0.95,
      "growth_potential": "low",
      "next_best_action": {
        "action": "Send reactivation SMS and email",
        "customer_message": "Hi Kwame, Send reactivation SMS and email. Reply YES to continue."
      },
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        "Savings Account",
        "Mobile Banking",
        "Current Account"
      ],
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        "rationale": "Dormant profile does not currently meet credit criteria.",
        "creditworthy": false,
        "risk_factors": [
          "Limited repayment history"
        ],
        "recommended_limit": null,
        "positive_indicators": [
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        "credit_score_estimate": "insufficient_data"
      },
      "retention_actions": [
        {
          "action": "Win-back offers",
          "customer_message": "Hi Kwame, we value you — win-back offers. Reply HELP for support."
        },
        {
          "action": "Account reactivation bonus",
          "customer_message": "Hi Kwame, we value you — account reactivation bonus. Reply HELP for support."
        }
      ],
      "engagement_strategy": "Reactivation campaign with incentives",
      "recommended_segment": "DORMANT",
      "cross_sell_opportunities": [
        {
          "opportunity": "Zero-fee accounts",
          "customer_message": "Hi Kwame, explore zero-fee accounts with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Mobile Banking",
          "customer_message": "Hi Kwame, explore mobile banking with us. Reply YES or visit a branch."
        }
      ]
    },
    "phone_number": "233249430715",
    "email": "donchukz01@gmail.com",
    "income_range": "₵5,000 - ₵15,000 GHS",
    "location": "Tema",
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      {
        "account_number": "WLK1750100044-A01",
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        "available_balance": 524.69,
        "currency": "GHS",
        "is_primary": true
      },
      {
        "account_number": "WLK1750100044-A02",
        "account_type": "Mobile Banking",
        "account_status": "Active",
        "current_balance": 416.19,
        "available_balance": 308.66,
        "currency": "GHS",
        "is_primary": false
      },
      {
        "account_number": "WLK1750100044-A03",
        "account_type": "Current Account",
        "account_status": "Active",
        "current_balance": 384.84,
        "available_balance": 283.32,
        "currency": "GHS",
        "is_primary": false
      }
    ],
    "transactions": [
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        "transaction_id": "WLK1750100044-A01-T001-70ee7b",
        "date": "2026-08-15T10:50:54",
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          "customer_message": "Hi Mary, we value you — dedicated business advisor. Reply HELP for support."
        },
        {
          "action": "Fee waivers",
          "customer_message": "Hi Mary, we value you — fee waivers. Reply HELP for support."
        }
      ],
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        },
        {
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          "customer_message": "Hi Mary, explore pos solutions with us. Reply YES or visit a branch."
        },
        {
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        }
      ]
    },
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        "Current Account"
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      ],
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        "Current Account"
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        }
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        },
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        },
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      ]
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        },
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        },
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        "description": "MoMo transfer",
        "channel": "Mobile Banking",
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        "balance_after": 482874.0
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    "customer_id": "WLK1750100040",
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    "age": 32,
    "gender": "Male",
    "occupation": "Trader",
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        "Savings Account",
        "Mobile Banking"
      ],
      "key_insights": [
        "Kwesi holds ₵411,370 across 2 product(s).",
        "Engagement score 0.17; risk score 0.53.",
        "Profile aligns with High Value criteria."
      ],
      "risk_indicators": [
        "None material"
      ],
      "confidence_score": 0.93,
      "growth_potential": "high",
      "next_best_action": {
        "action": "Offer investment consultation",
        "customer_message": "Hi Kwesi, Offer investment consultation. Reply YES to continue."
      },
      "product_holdings": [
        "Savings Account",
        "Mobile Banking"
      ],
      "credit_assessment": {
        "rationale": "Income stability and high value holdings support credit card.",
        "creditworthy": true,
        "risk_factors": [],
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          "Active digital usage"
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        "recommended_facility": "credit_card",
        "credit_score_estimate": "high"
      },
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        {
          "action": "Preferential rates",
          "customer_message": "Hi Kwesi, we value you — preferential rates. Reply HELP for support."
        },
        {
          "action": "Priority support",
          "customer_message": "Hi Kwesi, we value you — priority support. Reply HELP for support."
        }
      ],
      "engagement_strategy": "Priority banking, regular reviews",
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      "cross_sell_opportunities": [
        {
          "opportunity": "Investment Products",
          "customer_message": "Hi Kwesi, explore investment products with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Insurance",
          "customer_message": "Hi Kwesi, explore insurance with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Premium Cards",
          "customer_message": "Hi Kwesi, explore premium cards with us. Reply YES or visit a branch."
        }
      ]
    },
    "phone_number": "233249430715",
    "email": "chuksdeveloper@gmail.com",
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        "currency": "GHS",
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      },
      {
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        "currency": "GHS",
        "is_primary": false
      }
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        "date": "2026-07-13T17:50:54",
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        "description": "Bill payment",
        "channel": "POS",
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        "description": "MoMo transfer",
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        "balance_after": 199456.0
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        "description": "Bill payment",
        "channel": "Branch",
        "balance_after": 204081.0
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        "date": "2026-06-13T17:50:54",
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        "transaction_type": "credit",
        "description": "Salary credit",
        "channel": "ATM",
        "balance_after": 202617.0
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        "date": "2026-08-04T03:50:54",
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        "transaction_type": "credit",
        "description": "Salary credit",
        "channel": "Mobile Banking",
        "balance_after": 204563.0
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        "date": "2026-06-18T11:50:54",
        "amount": 480.96,
        "transaction_type": "credit",
        "description": "Salary credit",
        "channel": "Branch",
        "balance_after": 205044.0
      },
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        "date": "2026-06-18T06:50:54",
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        "description": "ATM withdrawal",
        "channel": "Mobile Banking",
        "balance_after": 204191.0
      },
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        "transaction_type": "debit",
        "description": "Bill payment",
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        "balance_after": 203518.0
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    "customer_id": "WLK1750100039",
    "name": "Kofi Adjei",
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    "gender": "Male",
    "occupation": "Accountant",
    "segment": "DORMANT",
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    "engagement_score": 0.8541,
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        "Mobile Banking",
        "Current Account"
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        "Engagement score 0.85; risk score 0.59.",
        "Profile aligns with Dormant criteria."
      ],
      "risk_indicators": [
        "Declining engagement",
        "Low recent activity"
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      "growth_potential": "low",
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        "customer_message": "Hi Kofi, Send reactivation SMS and email. Reply YES to continue."
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        "Mobile Banking",
        "Current Account"
      ],
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        "risk_factors": [
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        "recommended_limit": null,
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          "customer_message": "Hi Kofi, we value you — win-back offers. Reply HELP for support."
        },
        {
          "action": "Account reactivation bonus",
          "customer_message": "Hi Kofi, we value you — account reactivation bonus. Reply HELP for support."
        }
      ],
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      "cross_sell_opportunities": [
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          "opportunity": "Zero-fee accounts",
          "customer_message": "Hi Kofi, explore zero-fee accounts with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Mobile Banking",
          "customer_message": "Hi Kofi, explore mobile banking with us. Reply YES or visit a branch."
        }
      ]
    },
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    "email": "kylechukwuma@gmail.com",
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        "currency": "GHS",
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        "date": "2026-08-10T14:50:54",
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        "channel": "ATM",
        "balance_after": 454.12
      },
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    "age": 42,
    "gender": "Female",
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    "segment": "NEW_CUSTOMER",
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    "ai_analysis": {
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        "Mobile Banking",
        "Investment Account"
      ],
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        "Engagement score 0.76; risk score 0.57.",
        "Profile aligns with New Customer criteria."
      ],
      "risk_indicators": [
        "None material"
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      "growth_potential": "medium",
      "next_best_action": {
        "action": "Complete digital onboarding checklist",
        "customer_message": "Hi Abena, Complete digital onboarding checklist. Reply YES to continue."
      },
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        "Savings Account",
        "Mobile Banking",
        "Investment Account"
      ],
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        "rationale": "New Customer profile does not currently meet credit criteria.",
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        "risk_factors": [
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          "action": "Welcome calls",
          "customer_message": "Hi Abena, we value you — welcome calls. Reply HELP for support."
        },
        {
          "action": "Onboarding support",
          "customer_message": "Hi Abena, we value you — onboarding support. Reply HELP for support."
        }
      ],
      "engagement_strategy": "Onboarding journey and product education",
      "recommended_segment": "NEW_CUSTOMER",
      "cross_sell_opportunities": [
        {
          "opportunity": "Mobile Banking",
          "customer_message": "Hi Abena, explore mobile banking with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Debit Card",
          "customer_message": "Hi Abena, explore debit card with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Savings Plan",
          "customer_message": "Hi Abena, explore savings plan with us. Reply YES or visit a branch."
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    "phone_number": "233209366367",
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        "currency": "GHS",
        "is_primary": false
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        "channel": "POS",
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    "gender": "Female",
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    "segment": "SMALL_BUSINESS",
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        "Business Account"
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        "Engagement score 0.53; risk score 0.36.",
        "Profile aligns with Small Business criteria."
      ],
      "risk_indicators": [
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      "growth_potential": "medium",
      "next_best_action": {
        "action": "Review business cash-flow needs",
        "customer_message": "Hi Mary, Review business cash-flow needs. Reply YES to continue."
      },
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        "Mobile Banking",
        "Current Account",
        "Business Account"
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          "Active digital usage"
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        {
          "action": "Dedicated business advisor",
          "customer_message": "Hi Mary, we value you — dedicated business advisor. Reply HELP for support."
        },
        {
          "action": "Fee waivers",
          "customer_message": "Hi Mary, we value you — fee waivers. Reply HELP for support."
        }
      ],
      "engagement_strategy": "Business banking specialist support",
      "recommended_segment": "SMALL_BUSINESS",
      "cross_sell_opportunities": [
        {
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          "customer_message": "Hi Mary, explore business loans with us. Reply YES or visit a branch."
        },
        {
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          "customer_message": "Hi Mary, explore pos solutions with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Payroll Services",
          "customer_message": "Hi Mary, explore payroll services with us. Reply YES or visit a branch."
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      ]
    },
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        },
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        "channel": "Mobile Banking",
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        "channel": "Mobile Banking",
        "balance_after": 6098.43
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    "customer_id": "WLK1750100002",
    "name": "Joseph Osei",
    "age": 23,
    "gender": "Male",
    "occupation": "Software Engineer",
    "segment": "GROWTH_POTENTIAL",
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        "Mobile Banking",
        "Current Account"
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        "Joseph holds ₵18,767 across 3 product(s).",
        "Engagement score 0.49; risk score 0.32.",
        "Profile aligns with Growth Potential criteria."
      ],
      "risk_indicators": [
        "None material"
      ],
      "confidence_score": 0.93,
      "growth_potential": "high",
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        "action": "Promote savings and investment products",
        "customer_message": "Hi Joseph, Promote savings and investment products. Reply YES to continue."
      },
      "product_holdings": [
        "Savings Account",
        "Mobile Banking",
        "Current Account"
      ],
      "credit_assessment": {
        "rationale": "Income stability and growth potential holdings support overdraft.",
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          "Market concentration"
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        {
          "action": "Loyalty rewards",
          "customer_message": "Hi Joseph, we value you — loyalty rewards. Reply HELP for support."
        },
        {
          "action": "Financial literacy content",
          "customer_message": "Hi Joseph, we value you — financial literacy content. Reply HELP for support."
        }
      ],
      "engagement_strategy": "Growth-focused product recommendations and digital engagement",
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          "customer_message": "Hi Joseph, explore savings plans with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Personal Loans",
          "customer_message": "Hi Joseph, explore personal loans with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Investment Apps",
          "customer_message": "Hi Joseph, explore investment apps with us. Reply YES or visit a branch."
        }
      ]
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      },
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        "currency": "GHS",
        "is_primary": false
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        "currency": "GHS",
        "is_primary": false
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    "segment": "MASS_MARKET",
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        "Current Account"
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        "Engagement score 0.80; risk score 0.42.",
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      ],
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      "growth_potential": "medium",
      "next_best_action": {
        "action": "Monitor customer activity",
        "customer_message": "Hi Michael, Monitor customer activity. Reply YES to continue."
      },
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        "Savings Account",
        "Mobile Banking",
        "Current Account"
      ],
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          "customer_message": "Hi Michael, we value you — regular service delivery. Reply HELP for support."
        }
      ],
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      "recommended_segment": "MASS_MARKET",
      "cross_sell_opportunities": [
        {
          "opportunity": "Savings Accounts",
          "customer_message": "Hi Michael, explore savings accounts with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Mobile Banking",
          "customer_message": "Hi Michael, explore mobile banking with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Insurance",
          "customer_message": "Hi Michael, explore insurance with us. Reply YES or visit a branch."
        }
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    "segment": "NEW_CUSTOMER",
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        "Current Account"
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        "None material"
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      "growth_potential": "medium",
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        "action": "Complete digital onboarding checklist",
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        "Mobile Banking",
        "Current Account"
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          "action": "Onboarding support",
          "customer_message": "Hi Yaw, we value you — onboarding support. Reply HELP for support."
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      "cross_sell_opportunities": [
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          "customer_message": "Hi Yaw, explore mobile banking with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Debit Card",
          "customer_message": "Hi Yaw, explore debit card with us. Reply YES or visit a branch."
        },
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          "opportunity": "Savings Plan",
          "customer_message": "Hi Yaw, explore savings plan with us. Reply YES or visit a branch."
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        "balance_after": 5570.78
      },
      {
        "transaction_id": "WLK1750100009-A02-T006-00754e",
        "date": "2026-06-25T01:50:54",
        "amount": 328.25,
        "transaction_type": "credit",
        "description": "Salary credit",
        "channel": "ATM",
        "balance_after": 5899.03
      },
      {
        "transaction_id": "WLK1750100009-A02-T007-94a278",
        "date": "2026-07-02T04:50:54",
        "amount": -472.77,
        "transaction_type": "debit",
        "description": "Bill payment",
        "channel": "Mobile Banking",
        "balance_after": 5426.26
      },
      {
        "transaction_id": "WLK1750100009-A02-T008-cb59dc",
        "date": "2026-08-12T07:50:54",
        "amount": -1001.97,
        "transaction_type": "debit",
        "description": "POS purchase",
        "channel": "POS",
        "balance_after": 4424.29
      }
    ]
  },
  {
    "customer_id": "WLK1750100010",
    "name": "Michael Owusu",
    "age": 51,
    "gender": "Male",
    "occupation": "Nurse",
    "segment": "GROWTH_POTENTIAL",
    "total_balance": 34225.6,
    "average_monthly_balance": 26951.1,
    "risk_score": 0.6891,
    "engagement_score": 0.6424,
    "transaction_count": 43,
    "last_updated": "2026-08-21T17:50:54",
    "ai_analysis": {
      "products": [
        "Savings Account",
        "Mobile Banking",
        "Current Account"
      ],
      "key_insights": [
        "Michael holds ₵34,226 across 3 product(s).",
        "Engagement score 0.64; risk score 0.69.",
        "Profile aligns with Growth Potential criteria."
      ],
      "risk_indicators": [
        "None material"
      ],
      "confidence_score": 0.93,
      "growth_potential": "high",
      "next_best_action": {
        "action": "Promote savings and investment products",
        "customer_message": "Hi Michael, Promote savings and investment products. Reply YES to continue."
      },
      "product_holdings": [
        "Savings Account",
        "Mobile Banking",
        "Current Account"
      ],
      "credit_assessment": {
        "rationale": "Income stability and growth potential holdings support credit card.",
        "creditworthy": true,
        "risk_factors": [
          "Market concentration"
        ],
        "recommended_limit": "₵3,000 - ₵15,000",
        "positive_indicators": [
          "Regular inflows",
          "Active digital usage"
        ],
        "recommended_facility": "credit_card",
        "credit_score_estimate": "medium"
      },
      "retention_actions": [
        {
          "action": "Loyalty rewards",
          "customer_message": "Hi Michael, we value you — loyalty rewards. Reply HELP for support."
        },
        {
          "action": "Financial literacy content",
          "customer_message": "Hi Michael, we value you — financial literacy content. Reply HELP for support."
        }
      ],
      "engagement_strategy": "Growth-focused product recommendations and digital engagement",
      "recommended_segment": "GROWTH_POTENTIAL",
      "cross_sell_opportunities": [
        {
          "opportunity": "Savings Plans",
          "customer_message": "Hi Michael, explore savings plans with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Personal Loans",
          "customer_message": "Hi Michael, explore personal loans with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Investment Apps",
          "customer_message": "Hi Michael, explore investment apps with us. Reply YES or visit a branch."
        }
      ]
    },
    "phone_number": "233209366367",
    "email": "chuksdeveloper@gmail.com",
    "income_range": "₵2,000 - ₵5,000 GHS",
    "location": "Takoradi",
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        "account_number": "WLK1750100010-A01",
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        "currency": "GHS",
        "is_primary": true
      },
      {
        "account_number": "WLK1750100010-A02",
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        "currency": "GHS",
        "is_primary": false
      },
      {
        "account_number": "WLK1750100010-A03",
        "account_type": "Current Account",
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        "currency": "GHS",
        "is_primary": false
      }
    ],
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        "amount": -187.74,
        "transaction_type": "debit",
        "description": "MoMo transfer",
        "channel": "Mobile Banking",
        "balance_after": 11220.8
      },
      {
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        "date": "2026-07-05T17:50:54",
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        "description": "Salary credit",
        "channel": "Branch",
        "balance_after": 12519.9
      },
      {
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        "channel": "Mobile Banking",
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        "description": "Bill payment",
        "channel": "POS",
        "balance_after": 11383.0
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        "date": "2026-06-21T11:50:54",
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        "date": "2026-06-14T04:50:54",
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        "description": "Salary credit",
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        "balance_after": 11986.5
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        "transaction_type": "debit",
        "description": "POS purchase",
        "channel": "POS",
        "balance_after": 10349.0
      },
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        "description": "Salary credit",
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        "description": "Salary credit",
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        "description": "Salary credit",
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        "transaction_type": "debit",
        "description": "POS purchase",
        "channel": "Branch",
        "balance_after": 11825.3
      },
      {
        "transaction_id": "WLK1750100010-A02-T008-c60612",
        "date": "2026-05-29T07:50:54",
        "amount": -1863.04,
        "transaction_type": "debit",
        "description": "MoMo transfer",
        "channel": "ATM",
        "balance_after": 9962.25
      },
      {
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        "date": "2026-06-21T03:50:54",
        "amount": 1398.22,
        "transaction_type": "credit",
        "description": "Salary credit",
        "channel": "Mobile Banking",
        "balance_after": 12806.8
      },
      {
        "transaction_id": "WLK1750100010-A03-T002-dd4e38",
        "date": "2026-07-24T13:50:54",
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        "transaction_type": "credit",
        "description": "Salary credit",
        "channel": "POS",
        "balance_after": 14620.4
      },
      {
        "transaction_id": "WLK1750100010-A03-T003-b02545",
        "date": "2026-07-13T14:50:54",
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        "transaction_type": "credit",
        "description": "Salary credit",
        "channel": "Mobile Banking",
        "balance_after": 14860.5
      },
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        "date": "2026-06-02T03:50:54",
        "amount": -492.11,
        "transaction_type": "debit",
        "description": "POS purchase",
        "channel": "Mobile Banking",
        "balance_after": 14368.4
      },
      {
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        "date": "2026-06-13T17:50:54",
        "amount": -1676.64,
        "transaction_type": "debit",
        "description": "MoMo transfer",
        "channel": "ATM",
        "balance_after": 12691.8
      },
      {
        "transaction_id": "WLK1750100010-A03-T006-917ef8",
        "date": "2026-07-06T10:50:54",
        "amount": 596.72,
        "transaction_type": "credit",
        "description": "Salary credit",
        "channel": "POS",
        "balance_after": 13288.5
      },
      {
        "transaction_id": "WLK1750100010-A03-T007-d87eae",
        "date": "2026-06-14T06:50:54",
        "amount": -390.88,
        "transaction_type": "debit",
        "description": "POS purchase",
        "channel": "Mobile Banking",
        "balance_after": 12897.6
      },
      {
        "transaction_id": "WLK1750100010-A03-T008-d20b2c",
        "date": "2026-05-31T05:50:54",
        "amount": -793.1,
        "transaction_type": "debit",
        "description": "Bill payment",
        "channel": "Branch",
        "balance_after": 12104.5
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    ]
  },
  {
    "customer_id": "WLK1750100011",
    "name": "Emmanuel Asante",
    "age": 24,
    "gender": "Male",
    "occupation": "Accountant",
    "segment": "AT_RISK",
    "total_balance": 32652.8,
    "average_monthly_balance": 29033.8,
    "risk_score": 0.2567,
    "engagement_score": 0.2007,
    "transaction_count": 10,
    "last_updated": "2026-08-21T17:50:54",
    "ai_analysis": {
      "products": [
        "Savings Account",
        "Mobile Banking",
        "Current Account"
      ],
      "key_insights": [
        "Emmanuel holds ₵32,653 across 3 product(s).",
        "Engagement score 0.20; risk score 0.26.",
        "Profile aligns with At Risk criteria."
      ],
      "risk_indicators": [
        "Declining engagement",
        "Low recent activity"
      ],
      "confidence_score": 0.88,
      "growth_potential": "low",
      "next_best_action": {
        "action": "Assign relationship manager for retention call",
        "customer_message": "Hi Emmanuel, Assign relationship manager for retention call. Reply YES to continue."
      },
      "product_holdings": [
        "Savings Account",
        "Mobile Banking",
        "Current Account"
      ],
      "credit_assessment": {
        "rationale": "At Risk profile does not currently meet credit criteria.",
        "creditworthy": false,
        "risk_factors": [
          "Limited repayment history"
        ],
        "recommended_limit": null,
        "positive_indicators": [
          "Existing deposit relationship"
        ],
        "recommended_facility": null,
        "credit_score_estimate": "low"
      },
      "retention_actions": [
        {
          "action": "Personal outreach",
          "customer_message": "Hi Emmanuel, we value you — personal outreach. Reply HELP for support."
        },
        {
          "action": "Satisfaction check",
          "customer_message": "Hi Emmanuel, we value you — satisfaction check. Reply HELP for support."
        }
      ],
      "engagement_strategy": "Proactive re-engagement and retention outreach",
      "recommended_segment": "AT_RISK",
      "cross_sell_opportunities": [
        {
          "opportunity": "Fee waivers",
          "customer_message": "Hi Emmanuel, explore fee waivers with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Financial advisory",
          "customer_message": "Hi Emmanuel, explore financial advisory with us. Reply YES or visit a branch."
        }
      ]
    },
    "phone_number": "233548617798",
    "email": "donchukz01@gmail.com",
    "income_range": "Above ₵100,000 GHS",
    "location": "Madina, Accra",
    "accounts": [
      {
        "account_number": "WLK1750100011-A01",
        "account_type": "Savings Account",
        "account_status": "Active",
        "current_balance": 11184.8,
        "available_balance": 11843.2,
        "currency": "GHS",
        "is_primary": true
      },
      {
        "account_number": "WLK1750100011-A02",
        "account_type": "Mobile Banking",
        "account_status": "Active",
        "current_balance": 12295.2,
        "available_balance": 12692.8,
        "currency": "GHS",
        "is_primary": false
      },
      {
        "account_number": "WLK1750100011-A03",
        "account_type": "Current Account",
        "account_status": "Active",
        "current_balance": 10984.7,
        "available_balance": 12990.1,
        "currency": "GHS",
        "is_primary": false
      }
    ],
    "transactions": [
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        "date": "2026-06-22T02:50:54",
        "amount": -366.68,
        "transaction_type": "debit",
        "description": "MoMo transfer",
        "channel": "ATM",
        "balance_after": 10517.6
      },
      {
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        "date": "2026-07-26T16:50:54",
        "amount": 93.23,
        "transaction_type": "credit",
        "description": "Salary credit",
        "channel": "Branch",
        "balance_after": 10977.5
      },
      {
        "transaction_id": "WLK1750100011-A03-T001-c41557",
        "date": "2026-05-30T11:50:54",
        "amount": 1095.2,
        "transaction_type": "credit",
        "description": "Salary credit",
        "channel": "Branch",
        "balance_after": 11979.5
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    ]
  },
  {
    "customer_id": "WLK1750100012",
    "name": "Joseph Darko",
    "age": 53,
    "gender": "Male",
    "occupation": "Accountant",
    "segment": "GROWTH_POTENTIAL",
    "total_balance": 36452.8,
    "average_monthly_balance": 34233.6,
    "risk_score": 0.3158,
    "engagement_score": 0.7993,
    "transaction_count": 23,
    "last_updated": "2026-08-21T17:50:54",
    "ai_analysis": {
      "products": [
        "Savings Account",
        "Mobile Banking"
      ],
      "key_insights": [
        "Joseph holds ₵36,453 across 2 product(s).",
        "Engagement score 0.80; risk score 0.32.",
        "Profile aligns with Growth Potential criteria."
      ],
      "risk_indicators": [
        "None material"
      ],
      "confidence_score": 0.75,
      "growth_potential": "high",
      "next_best_action": {
        "action": "Promote savings and investment products",
        "customer_message": "Hi Joseph, Promote savings and investment products. Reply YES to continue."
      },
      "product_holdings": [
        "Savings Account",
        "Mobile Banking"
      ],
      "credit_assessment": {
        "rationale": "Income stability and growth potential holdings support overdraft.",
        "creditworthy": true,
        "risk_factors": [
          "Market concentration"
        ],
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          "Active digital usage"
        ],
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        "credit_score_estimate": "medium"
      },
      "retention_actions": [
        {
          "action": "Loyalty rewards",
          "customer_message": "Hi Joseph, we value you — loyalty rewards. Reply HELP for support."
        },
        {
          "action": "Financial literacy content",
          "customer_message": "Hi Joseph, we value you — financial literacy content. Reply HELP for support."
        }
      ],
      "engagement_strategy": "Growth-focused product recommendations and digital engagement",
      "recommended_segment": "GROWTH_POTENTIAL",
      "cross_sell_opportunities": [
        {
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          "customer_message": "Hi Joseph, explore savings plans with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Personal Loans",
          "customer_message": "Hi Joseph, explore personal loans with us. Reply YES or visit a branch."
        },
        {
          "opportunity": "Investment Apps",
          "customer_message": "Hi Joseph, explore investment apps with us. Reply YES or visit a branch."
        }
      ]
    },
    "phone_number": "233249430715",
    "email": "kylechukwuma@gmail.com",
    "income_range": "₵15,000 - ₵50,000 GHS",
    "location": "Takoradi",
    "accounts": [
      {
        "account_number": "WLK1750100012-A01",
        "account_type": "Savings Account",
        "account_status": "Active",
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        "currency": "GHS",
        "is_primary": true
      },
      {
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        "currency": "GHS",
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    ],
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        "description": "Salary credit",
        "channel": "Mobile Banking",
        "balance_after": 19825.1
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        "date": "2026-07-28T00:50:54",
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        "date": "2026-07-14T08:50:54",
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        "Low recent activity"
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        "Investment Account"
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      "risk_indicators": [
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        "Investment Account"
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        },
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        {
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          "customer_message": "Hi Sarah, explore business loans with us. Reply YES or visit a branch."
        },
        {
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        },
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        {
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          "customer_message": "Hi Yaw, we value you — account reactivation bonus. Reply HELP for support."
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        {
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          "customer_message": "Hi Yaw, explore mobile banking with us. Reply YES or visit a branch."
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      ]
    },
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        "Investment Account"
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        "Investment Account"
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        },
        {
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          "customer_message": "Hi Elizabeth, we value you — satisfaction check. Reply HELP for support."
        }
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          "customer_message": "Hi Elizabeth, explore fee waivers with us. Reply YES or visit a branch."
        },
        {
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          "customer_message": "Hi Elizabeth, explore financial advisory with us. Reply YES or visit a branch."
        }
      ]
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