Transaction Assessment — MNOB-INSUFFICIENT_METADATA-005

1. Assessment identity

2. AI trust assessment

3. Feature & context evidence

{}

4. Explainability evidence

Reason codes

TRUST-RSN-003 TRUST-RSN-009 TRUST-RSN-011 TRUST-RSN-012 TRUST-RSN-014

Feature contributions

Human-readable explanation

The model produced risk category CRITICAL, trust score 24.05, and confidence score 0.7125. The principal model factors increasing modeled risk were: Limited authentication assurance, Device relationship not established, Limited metadata completeness. The principal model factors reducing modeled risk were: Established customer relationship, Established counterparty relationship. This explanation describes model evidence only and does not constitute an institutional transaction decision.

5. Policy interpretation

6. Reconstructable evidence chain

7. Raw controlled assessment evidence

{
  "amount": null,
  "audit_reference": "AUDIT-MNOB-INSUFFICIENT-METADATA-005",
  "confidence_score": 0.7125,
  "currency": null,
  "explanation": "The model produced risk category CRITICAL, trust score 24.05, and confidence score 0.7125. The principal model factors increasing modeled risk were: Limited authentication assurance, Device relationship not established, Limited metadata completeness. The principal model factors reducing modeled risk were: Established customer relationship, Established counterparty relationship. This explanation describes model evidence only and does not constitute an institutional transaction decision.",
  "feature_contributions": [
    {
      "coefficient": 1.2,
      "feature": "AUTHENTICATION_ASSURANCE_LIMITED"
    },
    {
      "coefficient": 1.1,
      "feature": "DEVICE_NOT_ESTABLISHED"
    },
    {
      "coefficient": -0.2,
      "feature": "ESTABLISHED_COUNTERPARTY_RELATIONSHIP"
    },
    {
      "coefficient": -0.25,
      "feature": "ESTABLISHED_CUSTOMER_RELATIONSHIP"
    },
    {
      "coefficient": 0.7,
      "feature": "METADATA_COMPLETENESS_LIMITED"
    }
  ],
  "indicators": [],
  "institution": "Mobile Money B",
  "institution_retains_final_decision": true,
  "model_version": "TRUST-BASELINE-0.1.0",
  "policy_reason": "RISK_ABOVE_REJECT_THRESHOLD",
  "policy_version": "1.0.0-DEMO",
  "reason_codes": [
    "TRUST-RSN-003",
    "TRUST-RSN-009",
    "TRUST-RSN-011",
    "TRUST-RSN-012",
    "TRUST-RSN-014"
  ],
  "reasons": [
    {
      "coefficient": 1.1,
      "contribution": 1.1,
      "direction": "RISK_INCREASING",
      "explanation": "The supplied context does not establish the device as previously known.",
      "feature": "DEVICE_NOT_ESTABLISHED",
      "label": "Device relationship not established",
      "reason_code": "TRUST-RSN-003"
    },
    {
      "coefficient": -0.25,
      "contribution": -0.25,
      "direction": "RISK_REDUCING",
      "explanation": "The customer relationship is established.",
      "feature": "ESTABLISHED_CUSTOMER_RELATIONSHIP",
      "label": "Established customer relationship",
      "reason_code": "TRUST-RSN-009"
    },
    {
      "coefficient": -0.2,
      "contribution": -0.2,
      "direction": "RISK_REDUCING",
      "explanation": "The counterparty relationship is established.",
      "feature": "ESTABLISHED_COUNTERPARTY_RELATIONSHIP",
      "label": "Established counterparty relationship",
      "reason_code": "TRUST-RSN-011"
    },
    {
      "coefficient": 1.2,
      "contribution": 1.2,
      "direction": "RISK_INCREASING",
      "explanation": "The supplied authentication context provides limited assurance.",
      "feature": "AUTHENTICATION_ASSURANCE_LIMITED",
      "label": "Limited authentication assurance",
      "reason_code": "TRUST-RSN-012"
    },
    {
      "coefficient": 0.7,
      "contribution": 0.7,
      "direction": "RISK_INCREASING",
      "explanation": "The transaction contains incomplete or limited contextual metadata.",
      "feature": "METADATA_COMPLETENESS_LIMITED",
      "label": "Limited metadata completeness",
      "reason_code": "TRUST-RSN-014"
    }
  ],
  "recommendation": "REJECT",
  "risk_category": "CRITICAL",
  "risk_increasing_factors": [],
  "risk_probability": 0.759511,
  "risk_reducing_factors": [],
  "scenario": "Insufficient Metadata",
  "sdk_version": "EOI-DEMO-1.0",
  "source_file": "mno-b-insufficient_metadata.json",
  "transaction_authorization": false,
  "transaction_id": "MNOB-INSUFFICIENT_METADATA-005",
  "trust_score": 24.05
}

8. Interpretation and limitations

• Controlled synthetic demonstrator assessment.
• Recommendation is advisory only.
• Final transaction authority remains with the participating institution.