Known customer, routine transfer, no pressure detected
The transaction is legitimate. The decision is free.
No authority-pressure pattern detected
Decision autonomy appears intact
No abnormal stress movement
Routine timing and beneficiary path
How the Decision Integrity Score is derived. Weights below are illustrative and tuned with each institution during the pilot.
External authority & pressure pattern
Decision autonomy & answer consistency
Stress trajectory during confirmation
Beneficiary / timing anomaly vs baseline
Known device and normal session.
Existing beneficiary pattern.
Normal response time and no contradiction.
No friction required.
Allow the transaction and keep observing in shadow mode.
Action escalates with decision risk — friction stays proportional and hard blocks are the last resort.
Shadow-mode log only, no customer friction.
SMS / in-app reconfirmation on a safer channel.
Customer-care callback on a safe channel.
Hold transfer and notify a trusted contact.
Block and route to fraud operations.
Synthetic demo only. No real customer data is used in this dashboard preview.
Coercion-like decision risk detected despite clean fraud status.
Hard block not recommended; start with soft pause and safer-channel reconfirmation.
Review 3-5 anonymized or synthetic journeys with fraud, compliance, and customer care teams.