| { | |
| "schema_version": 1, | |
| "dataset": { | |
| "name": "Feedzai BAF Base", | |
| "kind": "synthetic account-opening data; not real card/UPI transactions", | |
| "rows": 1000000, | |
| "frauds": 11029, | |
| "months": 8, | |
| "sha256": "7bf10a37ce07e72e14c1b09e5efee3d27261baff4facc7da767b0474dcf9b809", | |
| "source": "https://www.kaggle.com/datasets/sgpjesus/bank-account-fraud-dataset-neurips-2022", | |
| "license": "CC BY-NC-SA 4.0", | |
| "release_version": 2, | |
| "release_last_updated": "2023-11-29T11:32:12.037Z", | |
| "attribution": "Sergio Jesus, Jose Pombal, Duarte Alves, Andre Cruz, Pedro Saleiro, Rita P. Ribeiro, Joao Gama, Pedro Bizarro; Feedzai BAF, NeurIPS 2022", | |
| "license_url": "https://creativecommons.org/licenses/by-nc-sa/4.0/" | |
| }, | |
| "protocol": { | |
| "dataset_sha256": "7bf10a37ce07e72e14c1b09e5efee3d27261baff4facc7da767b0474dcf9b809", | |
| "task": "account-opening-fraud", | |
| "population": "BAF Base synthetic, derived from anonymized real data", | |
| "deduplication": "none; duplicates rejected", | |
| "split_fingerprint": "79d1b15502b9fece2a64d6c8d267e3cd09811e1cb9e713dc6e02279ae61e90d7", | |
| "feature_manifest_sha256": "745268af9d5787aea7b2f0c40d547f317a805fb86c3e80ba4f86a0b50a4c6496", | |
| "label_policy": "provided retrospective labels; actual delay unknown", | |
| "metric_definition": "sklearn average_precision_score", | |
| "search_budget": "3 predeclared estimators per month; no random hyperparameter search", | |
| "seed_policy": "42" | |
| }, | |
| "excluded_features": [ | |
| "fraud_bool", | |
| "month", | |
| "customer_age", | |
| "device_fraud_count" | |
| ], | |
| "features": [ | |
| "income", | |
| "name_email_similarity", | |
| "prev_address_months_count", | |
| "current_address_months_count", | |
| "days_since_request", | |
| "intended_balcon_amount", | |
| "payment_type", | |
| "zip_count_4w", | |
| "velocity_6h", | |
| "velocity_24h", | |
| "velocity_4w", | |
| "bank_branch_count_8w", | |
| "date_of_birth_distinct_emails_4w", | |
| "employment_status", | |
| "credit_risk_score", | |
| "email_is_free", | |
| "housing_status", | |
| "phone_home_valid", | |
| "phone_mobile_valid", | |
| "bank_months_count", | |
| "has_other_cards", | |
| "proposed_credit_limit", | |
| "foreign_request", | |
| "source", | |
| "session_length_in_minutes", | |
| "device_os", | |
| "keep_alive_session", | |
| "device_distinct_emails_8w" | |
| ], | |
| "folds": [ | |
| { | |
| "test_month": 5, | |
| "split": { | |
| "train": { | |
| "months": [ | |
| 0, | |
| 1, | |
| 2 | |
| ], | |
| "rows": 397039, | |
| "frauds": 3896 | |
| }, | |
| "tune": { | |
| "months": [ | |
| 3 | |
| ], | |
| "rows": 150936, | |
| "frauds": 1392 | |
| }, | |
| "calibration": { | |
| "months": [ | |
| 4 | |
| ], | |
| "rows": 127691, | |
| "frauds": 1452 | |
| }, | |
| "test": { | |
| "months": [ | |
| 5 | |
| ], | |
| "rows": 119323, | |
| "frauds": 1411 | |
| } | |
| }, | |
| "models": [ | |
| { | |
| "name": "Logistic baseline", | |
| "tune_ap": 0.12514965223518265, | |
| "test_ap": 0.14776525520134143, | |
| "roc_auc": 0.8756586913259291, | |
| "brier": 0.010890961107630803, | |
| "top_1pct": { | |
| "k": 1194, | |
| "precision": 0.24120603015075376, | |
| "recall": 0.20411055988660523 | |
| }, | |
| "top_5pct": { | |
| "k": 5967, | |
| "precision": 0.11044075749958103, | |
| "recall": 0.4670446491849752 | |
| }, | |
| "threshold": 0.05090296325775139, | |
| "operating": { | |
| "tp": 502, | |
| "fp": 2663, | |
| "fn": 909, | |
| "tn": 115249, | |
| "alerts": 3165, | |
| "precision": 0.15860979462875197, | |
| "recall": 0.3557760453579022, | |
| "fpr": 0.022584639392089014, | |
| "alert_rate": 0.026524643195360492 | |
| }, | |
| "training_seconds": 3.968846100004157, | |
| "estimator_spec": { | |
| "class": "sklearn.pipeline.Pipeline", | |
| "parameters": { | |
| "memory": null, | |
| "steps": [ | |
| [ | |
| "columntransformer", | |
| { | |
| "class": "sklearn.compose._column_transformer.ColumnTransformer", | |
| "parameters": { | |
| "n_jobs": null, | |
| "remainder": "drop", | |
| "sparse_threshold": 1.0, | |
| "transformer_weights": null, | |
| "transformers": [ | |
| [ | |
| "numeric", | |
| { | |
| "class": "sklearn.preprocessing._data.StandardScaler", | |
| "parameters": { | |
| "copy": true, | |
| "with_mean": true, | |
| "with_std": true | |
| } | |
| }, | |
| [ | |
| "income", | |
| "name_email_similarity", | |
| "prev_address_months_count", | |
| "current_address_months_count", | |
| "days_since_request", | |
| "intended_balcon_amount", | |
| "zip_count_4w", | |
| "velocity_6h", | |
| "velocity_24h", | |
| "velocity_4w", | |
| "bank_branch_count_8w", | |
| "date_of_birth_distinct_emails_4w", | |
| "credit_risk_score", | |
| "email_is_free", | |
| "phone_home_valid", | |
| "phone_mobile_valid", | |
| "bank_months_count", | |
| "has_other_cards", | |
| "proposed_credit_limit", | |
| "foreign_request", | |
| "session_length_in_minutes", | |
| "keep_alive_session", | |
| "device_distinct_emails_8w" | |
| ] | |
| ], | |
| [ | |
| "categorical", | |
| { | |
| "class": "sklearn.preprocessing._encoders.OneHotEncoder", | |
| "parameters": { | |
| "categories": "auto", | |
| "drop": null, | |
| "dtype": "<class 'numpy.float64'>", | |
| "feature_name_combiner": "concat", | |
| "handle_unknown": "ignore", | |
| "max_categories": null, | |
| "min_frequency": null, | |
| "sparse_output": true | |
| } | |
| }, | |
| [ | |
| "payment_type", | |
| "employment_status", | |
| "housing_status", | |
| "source", | |
| "device_os" | |
| ] | |
| ] | |
| ], | |
| "verbose": false, | |
| "verbose_feature_names_out": true | |
| } | |
| } | |
| ], | |
| [ | |
| "logisticregression", | |
| { | |
| "class": "sklearn.linear_model._logistic.LogisticRegression", | |
| "parameters": { | |
| "C": 1, | |
| "class_weight": "balanced", | |
| "dual": false, | |
| "fit_intercept": true, | |
| "intercept_scaling": 1, | |
| "l1_ratio": 0.0, | |
| "max_iter": 600, | |
| "n_jobs": null, | |
| "penalty": "deprecated", | |
| "random_state": 42, | |
| "solver": "lbfgs", | |
| "tol": 0.0001, | |
| "verbose": 0, | |
| "warm_start": false | |
| } | |
| } | |
| ] | |
| ], | |
| "transform_input": null, | |
| "verbose": false | |
| } | |
| } | |
| }, | |
| { | |
| "name": "LightGBM", | |
| "tune_ap": 0.152032145050563, | |
| "test_ap": 0.18363946165644585, | |
| "roc_auc": 0.8947788075230485, | |
| "brier": 0.010602131046367902, | |
| "top_1pct": { | |
| "k": 1194, | |
| "precision": 0.2805695142378559, | |
| "recall": 0.23742026931254429 | |
| }, | |
| "top_5pct": { | |
| "k": 5967, | |
| "precision": 0.12133400368694486, | |
| "recall": 0.513111268603827 | |
| }, | |
| "threshold": 0.04623346895932745, | |
| "operating": { | |
| "tp": 602, | |
| "fp": 3188, | |
| "fn": 809, | |
| "tn": 114724, | |
| "alerts": 3790, | |
| "precision": 0.15883905013192612, | |
| "recall": 0.42664776754075123, | |
| "fpr": 0.027037112422823802, | |
| "alert_rate": 0.031762526922722356 | |
| }, | |
| "training_seconds": 5.261995099979686, | |
| "estimator_spec": { | |
| "class": "lightgbm.sklearn.LGBMClassifier", | |
| "parameters": { | |
| "boosting_type": "gbdt", | |
| "class_weight": null, | |
| "colsample_bytree": 1.0, | |
| "importance_type": "split", | |
| "learning_rate": 0.05, | |
| "max_depth": -1, | |
| "min_child_samples": 80, | |
| "min_child_weight": 0.001, | |
| "min_split_gain": 0.0, | |
| "n_estimators": 250, | |
| "n_jobs": 4, | |
| "num_leaves": 15, | |
| "objective": null, | |
| "random_state": 42, | |
| "reg_alpha": 0.0, | |
| "reg_lambda": 3, | |
| "subsample": 1.0, | |
| "subsample_for_bin": 200000, | |
| "subsample_freq": 0, | |
| "verbosity": -1 | |
| } | |
| } | |
| }, | |
| { | |
| "name": "LightGBM weighted", | |
| "tune_ap": 0.15356118392380427, | |
| "test_ap": 0.1879443272881079, | |
| "roc_auc": 0.8936049931217549, | |
| "brier": 0.010612267864927622, | |
| "top_1pct": { | |
| "k": 1194, | |
| "precision": 0.2830820770519263, | |
| "recall": 0.23954642097802978 | |
| }, | |
| "top_5pct": { | |
| "k": 5967, | |
| "precision": 0.12016088486676722, | |
| "recall": 0.5081502480510276 | |
| }, | |
| "threshold": 0.05634735614560087, | |
| "operating": { | |
| "tp": 602, | |
| "fp": 3257, | |
| "fn": 809, | |
| "tn": 114655, | |
| "alerts": 3859, | |
| "precision": 0.1559989634620368, | |
| "recall": 0.42664776754075123, | |
| "fpr": 0.027622294592577517, | |
| "alert_rate": 0.03234078928622311 | |
| }, | |
| "training_seconds": 6.363692099985201, | |
| "estimator_spec": { | |
| "class": "lightgbm.sklearn.LGBMClassifier", | |
| "parameters": { | |
| "boosting_type": "gbdt", | |
| "class_weight": "balanced", | |
| "colsample_bytree": 1.0, | |
| "importance_type": "split", | |
| "learning_rate": 0.05, | |
| "max_depth": -1, | |
| "min_child_samples": 80, | |
| "min_child_weight": 0.001, | |
| "min_split_gain": 0.0, | |
| "n_estimators": 250, | |
| "n_jobs": 4, | |
| "num_leaves": 15, | |
| "objective": null, | |
| "random_state": 42, | |
| "reg_alpha": 0.0, | |
| "reg_lambda": 3, | |
| "subsample": 1.0, | |
| "subsample_for_bin": 200000, | |
| "subsample_freq": 0, | |
| "verbosity": -1 | |
| } | |
| } | |
| } | |
| ], | |
| "champion": "LightGBM weighted", | |
| "selection": "earlier tune-period AP only", | |
| "age_audit": { | |
| "groups": [ | |
| { | |
| "group": "age 50+", | |
| "n": 20725, | |
| "frauds": 470, | |
| "legitimate": 20255, | |
| "alerts": 1348, | |
| "tp": 254, | |
| "fp": 1094, | |
| "recall": 0.5404255319148936, | |
| "fpr": 0.0540113552209331, | |
| "recall_ci95": [ | |
| 0.49522439524767226, | |
| 0.5849712045518369 | |
| ], | |
| "fpr_ci95": [ | |
| 0.05098215315906603, | |
| 0.057209693017131115 | |
| ], | |
| "sufficient_class_counts": true | |
| }, | |
| { | |
| "group": "age under 50", | |
| "n": 98598, | |
| "frauds": 941, | |
| "legitimate": 97657, | |
| "alerts": 2511, | |
| "tp": 348, | |
| "fp": 2163, | |
| "recall": 0.3698193411264612, | |
| "fpr": 0.0221489498960648, | |
| "recall_ci95": [ | |
| 0.339562130527542, | |
| 0.4011351073923547 | |
| ], | |
| "fpr_ci95": [ | |
| 0.021244556603920186, | |
| 0.023090935433043257 | |
| ], | |
| "sufficient_class_counts": true | |
| } | |
| ], | |
| "min_class_count": 30, | |
| "recall_gap": 0.17060619078843242, | |
| "fpr_gap": 0.0318624053248683, | |
| "interpretation": "Descriptive group error rates, not a fairness pass/fail decision. Wilson intervals assume independent records; dependence and label bias can invalidate that assumption. Small groups are retained but excluded from gap summaries." | |
| }, | |
| "ap_uncertainty": { | |
| "ci95": null, | |
| "clusters": 1, | |
| "valid_resamples": 0, | |
| "status": "insufficient independent clusters; no interval reported" | |
| } | |
| }, | |
| { | |
| "test_month": 6, | |
| "split": { | |
| "train": { | |
| "months": [ | |
| 0, | |
| 1, | |
| 2, | |
| 3 | |
| ], | |
| "rows": 547975, | |
| "frauds": 5288 | |
| }, | |
| "tune": { | |
| "months": [ | |
| 4 | |
| ], | |
| "rows": 127691, | |
| "frauds": 1452 | |
| }, | |
| "calibration": { | |
| "months": [ | |
| 5 | |
| ], | |
| "rows": 119323, | |
| "frauds": 1411 | |
| }, | |
| "test": { | |
| "months": [ | |
| 6 | |
| ], | |
| "rows": 108168, | |
| "frauds": 1450 | |
| } | |
| }, | |
| "models": [ | |
| { | |
| "name": "Logistic baseline", | |
| "tune_ap": 0.1359224736990016, | |
| "test_ap": 0.1407224424272932, | |
| "roc_auc": 0.8717992763396408, | |
| "brier": 0.012270785350706123, | |
| "top_1pct": { | |
| "k": 1082, | |
| "precision": 0.2365988909426987, | |
| "recall": 0.17655172413793102 | |
| }, | |
| "top_5pct": { | |
| "k": 5409, | |
| "precision": 0.12127934923276021, | |
| "recall": 0.45241379310344826 | |
| }, | |
| "threshold": 0.04930984448746926, | |
| "operating": { | |
| "tp": 716, | |
| "fp": 5695, | |
| "fn": 734, | |
| "tn": 101023, | |
| "alerts": 6411, | |
| "precision": 0.11168304476680704, | |
| "recall": 0.49379310344827587, | |
| "fpr": 0.05336494312112296, | |
| "alert_rate": 0.059268915021078325 | |
| }, | |
| "training_seconds": 5.144552999990992, | |
| "estimator_spec": { | |
| "class": "sklearn.pipeline.Pipeline", | |
| "parameters": { | |
| "memory": null, | |
| "steps": [ | |
| [ | |
| "columntransformer", | |
| { | |
| "class": "sklearn.compose._column_transformer.ColumnTransformer", | |
| "parameters": { | |
| "n_jobs": null, | |
| "remainder": "drop", | |
| "sparse_threshold": 1.0, | |
| "transformer_weights": null, | |
| "transformers": [ | |
| [ | |
| "numeric", | |
| { | |
| "class": "sklearn.preprocessing._data.StandardScaler", | |
| "parameters": { | |
| "copy": true, | |
| "with_mean": true, | |
| "with_std": true | |
| } | |
| }, | |
| [ | |
| "income", | |
| "name_email_similarity", | |
| "prev_address_months_count", | |
| "current_address_months_count", | |
| "days_since_request", | |
| "intended_balcon_amount", | |
| "zip_count_4w", | |
| "velocity_6h", | |
| "velocity_24h", | |
| "velocity_4w", | |
| "bank_branch_count_8w", | |
| "date_of_birth_distinct_emails_4w", | |
| "credit_risk_score", | |
| "email_is_free", | |
| "phone_home_valid", | |
| "phone_mobile_valid", | |
| "bank_months_count", | |
| "has_other_cards", | |
| "proposed_credit_limit", | |
| "foreign_request", | |
| "session_length_in_minutes", | |
| "keep_alive_session", | |
| "device_distinct_emails_8w" | |
| ] | |
| ], | |
| [ | |
| "categorical", | |
| { | |
| "class": "sklearn.preprocessing._encoders.OneHotEncoder", | |
| "parameters": { | |
| "categories": "auto", | |
| "drop": null, | |
| "dtype": "<class 'numpy.float64'>", | |
| "feature_name_combiner": "concat", | |
| "handle_unknown": "ignore", | |
| "max_categories": null, | |
| "min_frequency": null, | |
| "sparse_output": true | |
| } | |
| }, | |
| [ | |
| "payment_type", | |
| "employment_status", | |
| "housing_status", | |
| "source", | |
| "device_os" | |
| ] | |
| ] | |
| ], | |
| "verbose": false, | |
| "verbose_feature_names_out": true | |
| } | |
| } | |
| ], | |
| [ | |
| "logisticregression", | |
| { | |
| "class": "sklearn.linear_model._logistic.LogisticRegression", | |
| "parameters": { | |
| "C": 1, | |
| "class_weight": "balanced", | |
| "dual": false, | |
| "fit_intercept": true, | |
| "intercept_scaling": 1, | |
| "l1_ratio": 0.0, | |
| "max_iter": 600, | |
| "n_jobs": null, | |
| "penalty": "deprecated", | |
| "random_state": 42, | |
| "solver": "lbfgs", | |
| "tol": 0.0001, | |
| "verbose": 0, | |
| "warm_start": false | |
| } | |
| } | |
| ] | |
| ], | |
| "transform_input": null, | |
| "verbose": false | |
| } | |
| } | |
| }, | |
| { | |
| "name": "LightGBM", | |
| "tune_ap": 0.1818650600753364, | |
| "test_ap": 0.17475590064975052, | |
| "roc_auc": 0.8905912262482301, | |
| "brier": 0.012103509775381627, | |
| "top_1pct": { | |
| "k": 1082, | |
| "precision": 0.2707948243992606, | |
| "recall": 0.20206896551724138 | |
| }, | |
| "top_5pct": { | |
| "k": 5409, | |
| "precision": 0.1323719726381956, | |
| "recall": 0.49379310344827587 | |
| }, | |
| "threshold": 0.045022379049413544, | |
| "operating": { | |
| "tp": 777, | |
| "fp": 6064, | |
| "fn": 673, | |
| "tn": 100654, | |
| "alerts": 6841, | |
| "precision": 0.11357988598158164, | |
| "recall": 0.5358620689655172, | |
| "fpr": 0.056822654097715475, | |
| "alert_rate": 0.06324421270616079 | |
| }, | |
| "training_seconds": 10.517622999992454, | |
| "estimator_spec": { | |
| "class": "lightgbm.sklearn.LGBMClassifier", | |
| "parameters": { | |
| "boosting_type": "gbdt", | |
| "class_weight": null, | |
| "colsample_bytree": 1.0, | |
| "importance_type": "split", | |
| "learning_rate": 0.05, | |
| "max_depth": -1, | |
| "min_child_samples": 80, | |
| "min_child_weight": 0.001, | |
| "min_split_gain": 0.0, | |
| "n_estimators": 250, | |
| "n_jobs": 4, | |
| "num_leaves": 15, | |
| "objective": null, | |
| "random_state": 42, | |
| "reg_alpha": 0.0, | |
| "reg_lambda": 3, | |
| "subsample": 1.0, | |
| "subsample_for_bin": 200000, | |
| "subsample_freq": 0, | |
| "verbosity": -1 | |
| } | |
| } | |
| }, | |
| { | |
| "name": "LightGBM weighted", | |
| "tune_ap": 0.17611841378704143, | |
| "test_ap": 0.1797763545573206, | |
| "roc_auc": 0.8902966826525078, | |
| "brier": 0.011948479970769374, | |
| "top_1pct": { | |
| "k": 1082, | |
| "precision": 0.2809611829944547, | |
| "recall": 0.2096551724137931 | |
| }, | |
| "top_5pct": { | |
| "k": 5409, | |
| "precision": 0.13311148086522462, | |
| "recall": 0.496551724137931 | |
| }, | |
| "threshold": 0.05535478758222682, | |
| "operating": { | |
| "tp": 771, | |
| "fp": 5579, | |
| "fn": 679, | |
| "tn": 101139, | |
| "alerts": 6350, | |
| "precision": 0.12141732283464567, | |
| "recall": 0.5317241379310345, | |
| "fpr": 0.052277966228752415, | |
| "alert_rate": 0.05870497744249686 | |
| }, | |
| "training_seconds": 9.626352999999654, | |
| "estimator_spec": { | |
| "class": "lightgbm.sklearn.LGBMClassifier", | |
| "parameters": { | |
| "boosting_type": "gbdt", | |
| "class_weight": "balanced", | |
| "colsample_bytree": 1.0, | |
| "importance_type": "split", | |
| "learning_rate": 0.05, | |
| "max_depth": -1, | |
| "min_child_samples": 80, | |
| "min_child_weight": 0.001, | |
| "min_split_gain": 0.0, | |
| "n_estimators": 250, | |
| "n_jobs": 4, | |
| "num_leaves": 15, | |
| "objective": null, | |
| "random_state": 42, | |
| "reg_alpha": 0.0, | |
| "reg_lambda": 3, | |
| "subsample": 1.0, | |
| "subsample_for_bin": 200000, | |
| "subsample_freq": 0, | |
| "verbosity": -1 | |
| } | |
| } | |
| } | |
| ], | |
| "champion": "LightGBM", | |
| "selection": "earlier tune-period AP only", | |
| "age_audit": { | |
| "groups": [ | |
| { | |
| "group": "age 50+", | |
| "n": 21112, | |
| "frauds": 571, | |
| "legitimate": 20541, | |
| "alerts": 2513, | |
| "tp": 358, | |
| "fp": 2155, | |
| "recall": 0.626970227670753, | |
| "fpr": 0.10491212696558103, | |
| "recall_ci95": [ | |
| 0.5865787635818639, | |
| 0.6656646989851406 | |
| ], | |
| "fpr_ci95": [ | |
| 0.10079507550624964, | |
| 0.10917692488456351 | |
| ], | |
| "sufficient_class_counts": true | |
| }, | |
| { | |
| "group": "age under 50", | |
| "n": 87056, | |
| "frauds": 879, | |
| "legitimate": 86177, | |
| "alerts": 4328, | |
| "tp": 419, | |
| "fp": 3909, | |
| "recall": 0.47667804323094426, | |
| "fpr": 0.04536013089339383, | |
| "recall_ci95": [ | |
| 0.44383328383793685, | |
| 0.5097257616844969 | |
| ], | |
| "fpr_ci95": [ | |
| 0.04399093680493073, | |
| 0.0467698555755679 | |
| ], | |
| "sufficient_class_counts": true | |
| } | |
| ], | |
| "min_class_count": 30, | |
| "recall_gap": 0.1502921844398088, | |
| "fpr_gap": 0.0595519960721872, | |
| "interpretation": "Descriptive group error rates, not a fairness pass/fail decision. Wilson intervals assume independent records; dependence and label bias can invalidate that assumption. Small groups are retained but excluded from gap summaries." | |
| }, | |
| "ap_uncertainty": { | |
| "ci95": null, | |
| "clusters": 1, | |
| "valid_resamples": 0, | |
| "status": "insufficient independent clusters; no interval reported" | |
| } | |
| }, | |
| { | |
| "test_month": 7, | |
| "split": { | |
| "train": { | |
| "months": [ | |
| 0, | |
| 1, | |
| 2, | |
| 3, | |
| 4 | |
| ], | |
| "rows": 675666, | |
| "frauds": 6740 | |
| }, | |
| "tune": { | |
| "months": [ | |
| 5 | |
| ], | |
| "rows": 119323, | |
| "frauds": 1411 | |
| }, | |
| "calibration": { | |
| "months": [ | |
| 6 | |
| ], | |
| "rows": 108168, | |
| "frauds": 1450 | |
| }, | |
| "test": { | |
| "months": [ | |
| 7 | |
| ], | |
| "rows": 96843, | |
| "frauds": 1428 | |
| } | |
| }, | |
| "models": [ | |
| { | |
| "name": "Logistic baseline", | |
| "tune_ap": 0.14938543815931404, | |
| "test_ap": 0.16869408832199934, | |
| "roc_auc": 0.8798096726506983, | |
| "brier": 0.013404752943778006, | |
| "top_1pct": { | |
| "k": 969, | |
| "precision": 0.26625386996904027, | |
| "recall": 0.18067226890756302 | |
| }, | |
| "top_5pct": { | |
| "k": 4843, | |
| "precision": 0.14185422258930416, | |
| "recall": 0.4810924369747899 | |
| }, | |
| "threshold": 0.05640633680571259, | |
| "operating": { | |
| "tp": 551, | |
| "fp": 2557, | |
| "fn": 877, | |
| "tn": 92858, | |
| "alerts": 3108, | |
| "precision": 0.17728442728442728, | |
| "recall": 0.3858543417366947, | |
| "fpr": 0.026798721375045853, | |
| "alert_rate": 0.03209318174777733 | |
| }, | |
| "training_seconds": 5.95246380000026, | |
| "estimator_spec": { | |
| "class": "sklearn.pipeline.Pipeline", | |
| "parameters": { | |
| "memory": null, | |
| "steps": [ | |
| [ | |
| "columntransformer", | |
| { | |
| "class": "sklearn.compose._column_transformer.ColumnTransformer", | |
| "parameters": { | |
| "n_jobs": null, | |
| "remainder": "drop", | |
| "sparse_threshold": 1.0, | |
| "transformer_weights": null, | |
| "transformers": [ | |
| [ | |
| "numeric", | |
| { | |
| "class": "sklearn.preprocessing._data.StandardScaler", | |
| "parameters": { | |
| "copy": true, | |
| "with_mean": true, | |
| "with_std": true | |
| } | |
| }, | |
| [ | |
| "income", | |
| "name_email_similarity", | |
| "prev_address_months_count", | |
| "current_address_months_count", | |
| "days_since_request", | |
| "intended_balcon_amount", | |
| "zip_count_4w", | |
| "velocity_6h", | |
| "velocity_24h", | |
| "velocity_4w", | |
| "bank_branch_count_8w", | |
| "date_of_birth_distinct_emails_4w", | |
| "credit_risk_score", | |
| "email_is_free", | |
| "phone_home_valid", | |
| "phone_mobile_valid", | |
| "bank_months_count", | |
| "has_other_cards", | |
| "proposed_credit_limit", | |
| "foreign_request", | |
| "session_length_in_minutes", | |
| "keep_alive_session", | |
| "device_distinct_emails_8w" | |
| ] | |
| ], | |
| [ | |
| "categorical", | |
| { | |
| "class": "sklearn.preprocessing._encoders.OneHotEncoder", | |
| "parameters": { | |
| "categories": "auto", | |
| "drop": null, | |
| "dtype": "<class 'numpy.float64'>", | |
| "feature_name_combiner": "concat", | |
| "handle_unknown": "ignore", | |
| "max_categories": null, | |
| "min_frequency": null, | |
| "sparse_output": true | |
| } | |
| }, | |
| [ | |
| "payment_type", | |
| "employment_status", | |
| "housing_status", | |
| "source", | |
| "device_os" | |
| ] | |
| ] | |
| ], | |
| "verbose": false, | |
| "verbose_feature_names_out": true | |
| } | |
| } | |
| ], | |
| [ | |
| "logisticregression", | |
| { | |
| "class": "sklearn.linear_model._logistic.LogisticRegression", | |
| "parameters": { | |
| "C": 1, | |
| "class_weight": "balanced", | |
| "dual": false, | |
| "fit_intercept": true, | |
| "intercept_scaling": 1, | |
| "l1_ratio": 0.0, | |
| "max_iter": 600, | |
| "n_jobs": null, | |
| "penalty": "deprecated", | |
| "random_state": 42, | |
| "solver": "lbfgs", | |
| "tol": 0.0001, | |
| "verbose": 0, | |
| "warm_start": false | |
| } | |
| } | |
| ] | |
| ], | |
| "transform_input": null, | |
| "verbose": false | |
| } | |
| } | |
| }, | |
| { | |
| "name": "LightGBM", | |
| "tune_ap": 0.19401319910236497, | |
| "test_ap": 0.217389280192632, | |
| "roc_auc": 0.896300805078097, | |
| "brier": 0.012860002798738812, | |
| "top_1pct": { | |
| "k": 969, | |
| "precision": 0.3281733746130031, | |
| "recall": 0.22268907563025211 | |
| }, | |
| "top_5pct": { | |
| "k": 4843, | |
| "precision": 0.16229609746025192, | |
| "recall": 0.5504201680672269 | |
| }, | |
| "threshold": 0.05227791605217323, | |
| "operating": { | |
| "tp": 741, | |
| "fp": 3466, | |
| "fn": 687, | |
| "tn": 91949, | |
| "alerts": 4207, | |
| "precision": 0.176135013073449, | |
| "recall": 0.5189075630252101, | |
| "fpr": 0.036325525336687106, | |
| "alert_rate": 0.04344144646489679 | |
| }, | |
| "training_seconds": 15.349621700006537, | |
| "estimator_spec": { | |
| "class": "lightgbm.sklearn.LGBMClassifier", | |
| "parameters": { | |
| "boosting_type": "gbdt", | |
| "class_weight": null, | |
| "colsample_bytree": 1.0, | |
| "importance_type": "split", | |
| "learning_rate": 0.05, | |
| "max_depth": -1, | |
| "min_child_samples": 80, | |
| "min_child_weight": 0.001, | |
| "min_split_gain": 0.0, | |
| "n_estimators": 250, | |
| "n_jobs": 4, | |
| "num_leaves": 15, | |
| "objective": null, | |
| "random_state": 42, | |
| "reg_alpha": 0.0, | |
| "reg_lambda": 3, | |
| "subsample": 1.0, | |
| "subsample_for_bin": 200000, | |
| "subsample_freq": 0, | |
| "verbosity": -1 | |
| } | |
| } | |
| }, | |
| { | |
| "name": "LightGBM weighted", | |
| "tune_ap": 0.19174862181406555, | |
| "test_ap": 0.21435862788583152, | |
| "roc_auc": 0.896213614094173, | |
| "brier": 0.012902445132818439, | |
| "top_1pct": { | |
| "k": 969, | |
| "precision": 0.31682146542827655, | |
| "recall": 0.21498599439775912 | |
| }, | |
| "top_5pct": { | |
| "k": 4843, | |
| "precision": 0.1614701631220318, | |
| "recall": 0.5476190476190477 | |
| }, | |
| "threshold": 0.06346077701859909, | |
| "operating": { | |
| "tp": 719, | |
| "fp": 3309, | |
| "fn": 709, | |
| "tn": 92106, | |
| "alerts": 4028, | |
| "precision": 0.1785004965243297, | |
| "recall": 0.5035014005602241, | |
| "fpr": 0.034680081748152805, | |
| "alert_rate": 0.04159309397684913 | |
| }, | |
| "training_seconds": 13.918840500002261, | |
| "estimator_spec": { | |
| "class": "lightgbm.sklearn.LGBMClassifier", | |
| "parameters": { | |
| "boosting_type": "gbdt", | |
| "class_weight": "balanced", | |
| "colsample_bytree": 1.0, | |
| "importance_type": "split", | |
| "learning_rate": 0.05, | |
| "max_depth": -1, | |
| "min_child_samples": 80, | |
| "min_child_weight": 0.001, | |
| "min_split_gain": 0.0, | |
| "n_estimators": 250, | |
| "n_jobs": 4, | |
| "num_leaves": 15, | |
| "objective": null, | |
| "random_state": 42, | |
| "reg_alpha": 0.0, | |
| "reg_lambda": 3, | |
| "subsample": 1.0, | |
| "subsample_for_bin": 200000, | |
| "subsample_freq": 0, | |
| "verbosity": -1 | |
| } | |
| } | |
| } | |
| ], | |
| "champion": "LightGBM", | |
| "selection": "earlier tune-period AP only", | |
| "age_audit": { | |
| "groups": [ | |
| { | |
| "group": "age 50+", | |
| "n": 12667, | |
| "frauds": 418, | |
| "legitimate": 12249, | |
| "alerts": 1208, | |
| "tp": 272, | |
| "fp": 936, | |
| "recall": 0.6507177033492823, | |
| "fpr": 0.07641440117560618, | |
| "recall_ci95": [ | |
| 0.6038300963967524, | |
| 0.6948603176565447 | |
| ], | |
| "fpr_ci95": [ | |
| 0.07184145165082972, | |
| 0.08125295221663362 | |
| ], | |
| "sufficient_class_counts": true | |
| }, | |
| { | |
| "group": "age under 50", | |
| "n": 84176, | |
| "frauds": 1010, | |
| "legitimate": 83166, | |
| "alerts": 2999, | |
| "tp": 469, | |
| "fp": 2530, | |
| "recall": 0.4643564356435644, | |
| "fpr": 0.030421085539763845, | |
| "recall_ci95": [ | |
| 0.4337920144615024, | |
| 0.4951909647078927 | |
| ], | |
| "fpr_ci95": [ | |
| 0.029275376210206504, | |
| 0.031610172806114736 | |
| ], | |
| "sufficient_class_counts": true | |
| } | |
| ], | |
| "min_class_count": 30, | |
| "recall_gap": 0.18636126770571787, | |
| "fpr_gap": 0.04599331563584233, | |
| "interpretation": "Descriptive group error rates, not a fairness pass/fail decision. Wilson intervals assume independent records; dependence and label bias can invalidate that assumption. Small groups are retained but excluded from gap summaries." | |
| }, | |
| "ap_uncertainty": { | |
| "ci95": null, | |
| "clusters": 1, | |
| "valid_resamples": 0, | |
| "status": "insufficient independent clusters; no interval reported" | |
| } | |
| } | |
| ], | |
| "explanation_cases": [ | |
| { | |
| "case_id": "BAF-m5-697548", | |
| "test_month": 5, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.8868188698984509, | |
| "raw_margin": 2.058651299498439, | |
| "baseline_margin": -5.61874385328543, | |
| "all_contributions_sum": 7.677395152783866, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.3432325817584456 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.7515913917560422 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "2000.0", | |
| "margin_contribution": 0.7113913961942882 | |
| }, | |
| { | |
| "feature": "device_distinct_emails_8w", | |
| "value": "2", | |
| "margin_contribution": 0.6594675707206888 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.1085815921373174", | |
| "margin_contribution": 0.5207034681588333 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.47992453657827994 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m5-745457", | |
| "test_month": 5, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.8538465640658611, | |
| "raw_margin": 1.7650945093536305, | |
| "baseline_margin": -5.61874385328543, | |
| "all_contributions_sum": 7.383838362639063, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.201294663722425 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.7459200547774574 | |
| }, | |
| { | |
| "feature": "device_distinct_emails_8w", | |
| "value": "2", | |
| "margin_contribution": 0.6024638953005453 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "239", | |
| "margin_contribution": 0.464733354077285 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.4640850177003235 | |
| }, | |
| { | |
| "feature": "keep_alive_session", | |
| "value": "0", | |
| "margin_contribution": 0.3997835571495747 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m5-750364", | |
| "test_month": 5, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.8433172545834061, | |
| "raw_margin": 1.6831201960717797, | |
| "baseline_margin": -5.61874385328543, | |
| "all_contributions_sum": 7.301864049357202, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.3076092385978535 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "321", | |
| "margin_contribution": 0.7994577473806761 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "2000.0", | |
| "margin_contribution": 0.733562136813782 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.7063146415066972 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.5671535991426365 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.1411079625296699", | |
| "margin_contribution": 0.4625420462770649 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m5-717700", | |
| "test_month": 5, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.8203623139407494, | |
| "raw_margin": 1.5188041217939725, | |
| "baseline_margin": -5.61874385328543, | |
| "all_contributions_sum": 7.137547975079402, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.3181812438258163 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "339", | |
| "margin_contribution": 1.0486756993717972 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.7200090250411555 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.6096630236843756 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.1498671946686345", | |
| "margin_contribution": 0.4805407592211786 | |
| }, | |
| { | |
| "feature": "current_address_months_count", | |
| "value": "115", | |
| "margin_contribution": 0.4476895652352019 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m5-676005", | |
| "test_month": 5, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.8049832673585245, | |
| "raw_margin": 1.4177361280122647, | |
| "baseline_margin": -5.61874385328543, | |
| "all_contributions_sum": 7.036479981297694, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.385058801787454 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "314", | |
| "margin_contribution": 0.9053120691977539 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "2000.0", | |
| "margin_contribution": 0.7745319864450904 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.6221146202388333 | |
| }, | |
| { | |
| "feature": "keep_alive_session", | |
| "value": "0", | |
| "margin_contribution": 0.5266649616943734 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "macintosh", | |
| "margin_contribution": 0.41972663925675235 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m5-692050", | |
| "test_month": 5, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.7979562083953744, | |
| "raw_margin": 1.3735692552189704, | |
| "baseline_margin": -5.61874385328543, | |
| "all_contributions_sum": 6.992313108504396, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.3389391212089232 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "2000.0", | |
| "margin_contribution": 0.7764880991137845 | |
| }, | |
| { | |
| "feature": "device_distinct_emails_8w", | |
| "value": "2", | |
| "margin_contribution": 0.7668522199708826 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.7051426246974966 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.1962880276202384", | |
| "margin_contribution": 0.4603710324480426 | |
| }, | |
| { | |
| "feature": "keep_alive_session", | |
| "value": "0", | |
| "margin_contribution": 0.3988192576417069 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m5-754233", | |
| "test_month": 5, | |
| "explained_model": "LightGBM", | |
| "historical_label": 0, | |
| "raw_probability": 0.789201525036851, | |
| "raw_margin": 1.3201191244089585, | |
| "baseline_margin": -5.61874385328543, | |
| "all_contributions_sum": 6.938862977694389, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.2171680226771986 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "1", | |
| "margin_contribution": 0.8286135313944301 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.7921199656903645 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.0909364939843398", | |
| "margin_contribution": 0.5351455489186301 | |
| }, | |
| { | |
| "feature": "current_address_months_count", | |
| "value": "76", | |
| "margin_contribution": 0.4878529630820745 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.46506733615661866 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m5-787085", | |
| "test_month": 5, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.7864659889341339, | |
| "raw_margin": 1.3037533555981362, | |
| "baseline_margin": -5.61874385328543, | |
| "all_contributions_sum": 6.922497208883563, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.4398465239417229 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "2000.0", | |
| "margin_contribution": 0.9287485591903226 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "322", | |
| "margin_contribution": 0.7868758938325959 | |
| }, | |
| { | |
| "feature": "device_distinct_emails_8w", | |
| "value": "2", | |
| "margin_contribution": 0.7055215865769764 | |
| }, | |
| { | |
| "feature": "keep_alive_session", | |
| "value": "0", | |
| "margin_contribution": 0.4841254088511212 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.1509276728733354", | |
| "margin_contribution": 0.4728606425210657 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m6-850106", | |
| "test_month": 6, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.91687722096349, | |
| "raw_margin": 2.400654790951745, | |
| "baseline_margin": -5.725793019110876, | |
| "all_contributions_sum": 8.12644781006262, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.1442929808008708 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.7957782463845208 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "2000.0", | |
| "margin_contribution": 0.7186470973299907 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "2", | |
| "margin_contribution": 0.588339334733277 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "276", | |
| "margin_contribution": 0.4956558761610987 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.1520865859082911", | |
| "margin_contribution": 0.4688851632084089 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m6-843401", | |
| "test_month": 6, | |
| "explained_model": "LightGBM", | |
| "historical_label": 0, | |
| "raw_probability": 0.7997711484778369, | |
| "raw_margin": 1.3848646523459123, | |
| "baseline_margin": -5.725793019110876, | |
| "all_contributions_sum": 7.110657671456788, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.2919979199440588 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.835194147527764 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "1", | |
| "margin_contribution": 0.8092387939185007 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.0625230895502788", | |
| "margin_contribution": 0.5806584518887339 | |
| }, | |
| { | |
| "feature": "current_address_months_count", | |
| "value": "52", | |
| "margin_contribution": 0.4271531235279296 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.4256266033565257 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m6-804560", | |
| "test_month": 6, | |
| "explained_model": "LightGBM", | |
| "historical_label": 0, | |
| "raw_probability": 0.7976760499801282, | |
| "raw_margin": 1.371832436826538, | |
| "baseline_margin": -5.725793019110876, | |
| "all_contributions_sum": 7.097625455937413, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.214236420062853 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "321", | |
| "margin_contribution": 0.6848467933963117 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "2", | |
| "margin_contribution": 0.6665662363013027 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.5187725966176548 | |
| }, | |
| { | |
| "feature": "current_address_months_count", | |
| "value": "81", | |
| "margin_contribution": 0.5084957283211421 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.1647124176438283", | |
| "margin_contribution": 0.4714362230195939 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m6-820364", | |
| "test_month": 6, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.7921906840455277, | |
| "raw_margin": 1.3381812165095353, | |
| "baseline_margin": -5.725793019110876, | |
| "all_contributions_sum": 7.063974235620409, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.1826233141488285 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.8362498495400678 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "2", | |
| "margin_contribution": 0.6675497335267426 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.0920546014528138", | |
| "margin_contribution": 0.5365237893404772 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "281", | |
| "margin_contribution": 0.5220018109079031 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.45155952202074173 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m6-851342", | |
| "test_month": 6, | |
| "explained_model": "LightGBM", | |
| "historical_label": 0, | |
| "raw_probability": 0.7830462918394041, | |
| "raw_margin": 1.2835078110320708, | |
| "baseline_margin": -5.725793019110876, | |
| "all_contributions_sum": 7.009300830142943, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.1230329955843932 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.868162956188357 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "2000.0", | |
| "margin_contribution": 0.8656845196337467 | |
| }, | |
| { | |
| "feature": "device_distinct_emails_8w", | |
| "value": "2", | |
| "margin_contribution": 0.7314942529442087 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "1", | |
| "margin_contribution": 0.5620030335722763 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "286", | |
| "margin_contribution": 0.4889829026421953 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m6-798070", | |
| "test_month": 6, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.7583737640807766, | |
| "raw_margin": 1.1437843040212605, | |
| "baseline_margin": -5.725793019110876, | |
| "all_contributions_sum": 6.869577323132137, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.1416880219480836 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.8622442957709971 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "331", | |
| "margin_contribution": 0.7767505195395277 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.5653700464840005 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.1140879592514974", | |
| "margin_contribution": 0.5155373519713331 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "3", | |
| "margin_contribution": 0.469063144712167 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m6-843982", | |
| "test_month": 6, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.7488155411945837, | |
| "raw_margin": 1.0923051148811456, | |
| "baseline_margin": -5.725793019110876, | |
| "all_contributions_sum": 6.818098133992021, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.194169368062212 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "2000.0", | |
| "margin_contribution": 0.8472704546473186 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.7972019892278829 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "0", | |
| "margin_contribution": 0.713621721454486 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.1532162792838592", | |
| "margin_contribution": 0.5215790528485387 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.47894310296274684 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m6-902016", | |
| "test_month": 6, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.7364150771311533, | |
| "raw_margin": 1.027418319269514, | |
| "baseline_margin": -5.725793019110876, | |
| "all_contributions_sum": 6.75321133838039, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.1639358775789337 | |
| }, | |
| { | |
| "feature": "device_distinct_emails_8w", | |
| "value": "2", | |
| "margin_contribution": 0.9053507023464166 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "1900.0", | |
| "margin_contribution": 0.8912137020787988 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.7447533874373756 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.0931340264623145", | |
| "margin_contribution": 0.5015944599103705 | |
| }, | |
| { | |
| "feature": "keep_alive_session", | |
| "value": "0", | |
| "margin_contribution": 0.4700948490843702 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m7-985213", | |
| "test_month": 7, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.8713528257128095, | |
| "raw_margin": 1.9129734018721507, | |
| "baseline_margin": -5.732679609268176, | |
| "all_contributions_sum": 7.645653011140326, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.239488698183297 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.8329938537467543 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "332", | |
| "margin_contribution": 0.7761926007267227 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "1", | |
| "margin_contribution": 0.7661459321403993 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.0728428857652686", | |
| "margin_contribution": 0.6370796223377112 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.5559099173708141 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m7-941971", | |
| "test_month": 7, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.8249160057591505, | |
| "raw_margin": 1.5500157440838171, | |
| "baseline_margin": -5.732679609268176, | |
| "all_contributions_sum": 7.282695353351993, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.0660253376108493 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "2000.0", | |
| "margin_contribution": 0.901861562601184 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.8244231855041181 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "1", | |
| "margin_contribution": 0.6520111992836471 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.0452381698427012", | |
| "margin_contribution": 0.5604303141644635 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.4352904175298374 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m7-938291", | |
| "test_month": 7, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.8231406078745892, | |
| "raw_margin": 1.5377720119450746, | |
| "baseline_margin": -5.732679609268176, | |
| "all_contributions_sum": 7.270451621213253, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.131213714033901 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.857870967199094 | |
| }, | |
| { | |
| "feature": "device_distinct_emails_8w", | |
| "value": "2", | |
| "margin_contribution": 0.7159665904503232 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "272", | |
| "margin_contribution": 0.5014023763830684 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.1553615560042795", | |
| "margin_contribution": 0.4908652333926231 | |
| }, | |
| { | |
| "feature": "phone_home_valid", | |
| "value": "0", | |
| "margin_contribution": 0.39570180296032276 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m7-966147", | |
| "test_month": 7, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.8087975879916018, | |
| "raw_margin": 1.4422160698511697, | |
| "baseline_margin": -5.732679609268176, | |
| "all_contributions_sum": 7.174895679119348, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.033202363592989 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.874049452453425 | |
| }, | |
| { | |
| "feature": "device_distinct_emails_8w", | |
| "value": "2", | |
| "margin_contribution": 0.755204181258806 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "269", | |
| "margin_contribution": 0.5060463394863284 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "3", | |
| "margin_contribution": 0.4573843742376078 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.4136579737760304 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m7-921898", | |
| "test_month": 7, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.7930130239600898, | |
| "raw_margin": 1.343183771552717, | |
| "baseline_margin": -5.732679609268176, | |
| "all_contributions_sum": 7.075863380820894, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.0769838968985732 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "2000.0", | |
| "margin_contribution": 0.9712899888212256 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.8419328043641122 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "314", | |
| "margin_contribution": 0.7214635381008344 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "2", | |
| "margin_contribution": 0.5419123348037694 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.49459369038538864 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m7-977593", | |
| "test_month": 7, | |
| "explained_model": "LightGBM", | |
| "historical_label": 0, | |
| "raw_probability": 0.7873690471257766, | |
| "raw_margin": 1.30913902012707, | |
| "baseline_margin": -5.732679609268176, | |
| "all_contributions_sum": 7.041818629395245, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.1164229703548891 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.8277313351498693 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "354", | |
| "margin_contribution": 0.8046472271493875 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.1483229499201795", | |
| "margin_contribution": 0.5089032416776241 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "3", | |
| "margin_contribution": 0.4645738146830758 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.46018886885197835 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m7-945854", | |
| "test_month": 7, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.7792600112169618, | |
| "raw_margin": 1.2613592782821128, | |
| "baseline_margin": -5.732679609268176, | |
| "all_contributions_sum": 6.994038887550293, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.0655796381843636 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "2000.0", | |
| "margin_contribution": 0.965494528794262 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "338", | |
| "margin_contribution": 0.9226599643436426 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.8143363024489718 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "1", | |
| "margin_contribution": 0.6819187433724644 | |
| }, | |
| { | |
| "feature": "income", | |
| "value": "0.9", | |
| "margin_contribution": 0.4460521855674856 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| }, | |
| { | |
| "case_id": "BAF-m7-955398", | |
| "test_month": 7, | |
| "explained_model": "LightGBM", | |
| "historical_label": 1, | |
| "raw_probability": 0.7731062704163015, | |
| "raw_margin": 1.2259347607871265, | |
| "baseline_margin": -5.732679609268176, | |
| "all_contributions_sum": 6.9586143700553, | |
| "top_contributions": [ | |
| { | |
| "feature": "housing_status", | |
| "value": "BA", | |
| "margin_contribution": 1.1425268581736994 | |
| }, | |
| { | |
| "feature": "proposed_credit_limit", | |
| "value": "2000.0", | |
| "margin_contribution": 0.9758939656951913 | |
| }, | |
| { | |
| "feature": "device_os", | |
| "value": "windows", | |
| "margin_contribution": 0.9076416760668065 | |
| }, | |
| { | |
| "feature": "date_of_birth_distinct_emails_4w", | |
| "value": "2", | |
| "margin_contribution": 0.49615991253407327 | |
| }, | |
| { | |
| "feature": "credit_risk_score", | |
| "value": "283", | |
| "margin_contribution": 0.49282380480722576 | |
| }, | |
| { | |
| "feature": "name_email_similarity", | |
| "value": "0.0985632016964749", | |
| "margin_contribution": 0.4789779167322278 | |
| } | |
| ], | |
| "interpretation": "Exact TreeSHAP contributions to this named tree model raw margin; not calibrated probabilities, causal reasons, criminal intent or necessarily the fold champion." | |
| } | |
| ], | |
| "temporal_summary": { | |
| "test_months": [ | |
| 5, | |
| 6, | |
| 7 | |
| ], | |
| "ap_min": 0.17475590064975052, | |
| "ap_max": 0.217389280192632, | |
| "ap_mean": 0.19336316937683015, | |
| "interpretation": "Three forward-period observations, not a confidence interval or independent replications. Training windows overlap." | |
| }, | |
| "financial_outcomes": { | |
| "status": "unavailable", | |
| "reason": "Observed loss, recovery, review expense, currency and closed-outcome records are required. Transaction exposure is not a substitute.", | |
| "currencies": [] | |
| }, | |
| "published_comparison": { | |
| "comparable": false, | |
| "differences": [ | |
| { | |
| "field": "dataset_sha256", | |
| "reason": "missing evidence" | |
| }, | |
| { | |
| "field": "task", | |
| "reason": "missing evidence" | |
| }, | |
| { | |
| "field": "population", | |
| "reason": "missing evidence" | |
| }, | |
| { | |
| "field": "deduplication", | |
| "reason": "missing evidence" | |
| }, | |
| { | |
| "field": "split_fingerprint", | |
| "reason": "missing evidence" | |
| }, | |
| { | |
| "field": "feature_manifest_sha256", | |
| "reason": "missing evidence" | |
| }, | |
| { | |
| "field": "label_policy", | |
| "reason": "missing evidence" | |
| }, | |
| { | |
| "field": "metric_definition", | |
| "reason": "missing evidence" | |
| }, | |
| { | |
| "field": "search_budget", | |
| "reason": "missing evidence" | |
| }, | |
| { | |
| "field": "seed_policy", | |
| "reason": "missing evidence" | |
| } | |
| ], | |
| "meaning": "Matching asserted protocol fields only; not independent verification of dataset authenticity or published-score reproduction." | |
| }, | |
| "limits": [ | |
| "Synthetic account-opening task does not validate real card/UPI or current Indian bank performance.", | |
| "Month is the only time resolution. Original entities, label availability and generation provenance remain outside this experiment.", | |
| "Age is excluded from prediction, not proof of fairness; other features can act as proxies.", | |
| "Age-group Wilson intervals assume independent applications. No demographic fairness claim applies to ULB.", | |
| "One test-month cluster per fold is insufficient for dependence-aware AP confidence intervals; no such interval is reported.", | |
| "Source precomputed velocities are supplied synthetic features; their original point-in-time production provenance is not independently verified." | |
| ], | |
| "ulb_dependence_guard": { | |
| "ci95": null, | |
| "clusters": 1, | |
| "valid_resamples": 0, | |
| "status": "insufficient independent clusters; no interval reported" | |
| }, | |
| "artifact_notice": "BAF-derived evidence and model artifacts are provided for noncommercial research under CC BY-NC-SA 4.0. This is not licensed current-bank data.", | |
| "extension_manifest": { | |
| "created_at": "2026-11-06T07:52:23.477651+00:00", | |
| "scope": "Current assurance extension source files; historical ULB run.source_hashes refer to its original measured implementation and are intentionally preserved.", | |
| "source_sha256": { | |
| "fraudshield/__init__.py": "2ecf118f587dd8723fb27a391dedbdcc0184a2014043b17e5756dc29fe145c75", | |
| "fraudshield/assurance.py": "3666b304cc5c89e3a7166e8bc6ab9f323831c046d72437c3cd6f9d5c90fde356", | |
| "fraudshield/baf.py": "a63d415865cd3aff81c9ccc6d165aa71980bd1d1282484b15495b0546a39e958", | |
| "fraudshield/bank_events.py": "8fb9935b78f5a1872447d4f73b31fece7ca28b778ba6200c3392338421746195", | |
| "fraudshield/data.py": "97b689bb88f74e537f25cff6fb9e069ad4e69828d15b3871f8a7b7a0816ba9bb", | |
| "fraudshield/metrics.py": "7db83979844176f515c965a18cfa8e88ddfa0498eb5c6b5e55fafd289f9606c0", | |
| "fraudshield/reviews.py": "df8c653ced2dc4c8074ec353a7fd868b5767f9cff4982772fbbb26a02e2f8e56", | |
| "fraudshield/server.py": "5bf45125d13a97b34b79040f1dfc37786a2be0d6e9881acfc3e458ad9658aaf2", | |
| "fraudshield/training.py": "7e5acbf2709c42b01f7c3ac5e7471b1367c2f30352de964169eff3469d35ec86", | |
| "web/app.js": "3e837d737dd06c9b0f93430de265f2ed87cbfffab0a02e8e38ad673357cf844a", | |
| "web/assurance.js": "55ef2340c6fa6bc744a02d8bcf3fa9f35dbc41fda6af6a5ab24565fcf1bd4fe4", | |
| "web/index.html": "c7b3afb4a5ec28b77dd37fecf6423e000e920b2b914f33343d55531bc5621304", | |
| "web/styles.css": "572b403bf66903191325a1697e2a7cc88acce23e8c5b929538a498e25ce5aabb" | |
| }, | |
| "baf_model_sha256": "c170445f3de7958ed9de6adad6fe75ecb97cf129966b7e624a7f688ddf15b940" | |
| } | |
| } |