[ EVIDENCE_ARCHITECTURE ]
The measurable delta between automated risk models and manual operational intelligence.
PROTOCOL_AUDIT // 001
Scenario: UK Fintech experienced 15% auto-decline on applicants with thin credit files but strong affordability.
RESULT: 18% recovery of high-LTV applicants; 0% uptick in delinquency.
PROTOCOL_AUDIT // 002
Scenario: E-commerce platform saw 40% rise in 'Item Not Received' claims via professional refunders.
RESULT: £32,000 monthly loss-prevention; Identified 4 core RaaS networks.