{
  "ownerExternalId": "owner-42",
  "score": 712,
  "scoreVersion": "kontomatik-score-v3",
  "repaymentProbability": 0.91,
  "explanations": [
    "Regular monthly salary inflow detected for 12 consecutive months",
    "Stable rent payments suggest predictable housing expense",
    "No detected gambling or high-risk merchant patterns"
  ]
}