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Response to Flit Team Feedback

This PR addresses critical data quality issues identified by the Flit ML team that are blocking production model training.

Key Documentation Added

ML_SIGNAL_ENHANCEMENT_PLAN.md: Comprehensive technical analysis of required architectural changes to achieve ML-viable data quality. Compares Redis-enhanced vs SimPy approaches with detailed implementation roadmap.

ROADMAP.md: Documents three critical known issues (K6-K8):

  • ML Signal Strength Crisis: Feature-target correlations ~0.05 vs required 0.30-0.55
  • Impossible Customer Default Patterns: Multiple defaults per customer per day
  • Hyperactive Customer Behavior: 720+ transactions/day vs realistic 1-4/month

Data Guide Updates: Clear warnings about current data limitations and usage recommendations for ML teams.

Impact

Current data generates models with max 0.615 AUC-ROC and 31.5% confidence scores. Production BNPL requires 90-95% precision at high-risk tier. These issues block all production ML development until resolved.

Next Steps

Technical team review of architectural approaches outlined in ML_SIGNAL_ENHANCEMENT_PLAN.md to determine implementation priority and timeline.

Add age-spending correlation limitation to roadmap and data guide.
Current implementation generates uniform spending across age groups,
preventing ML models from learning realistic demographic patterns.
Document unrealistic business hour distribution with cliff-edge
pattern and missing lunch/evening peaks that affect ML temporal
feature engineering.
Addresses Flit team feedback on data quality blocking ML development.
@whitehackr
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Article on synthetic data generation: https://www.turing.com/kb/synthetic-data-generation-techniques

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