{
  "accounts": [
    {
      "id": "acct_001",
      "account_number": "****1234",
      "account_type": "checking",
      "balance": 5420.5,
      "available_balance": 5420.5,
      "currency": "USD",
      "customer_name": "Jane Doe",
      "customer_id": "CUST_001",
      "zip_code": "94102",
      "routing_number": "121000248",
      "opened_date": "2020-05-15",
      "status": "active"
    },
    {
      "id": "acct_002",
      "account_number": "****5678",
      "account_type": "savings",
      "balance": 25750,
      "available_balance": 25750,
      "currency": "USD",
      "customer_name": "Jane Doe",
      "customer_id": "CUST_001",
      "zip_code": "94102",
      "interest_rate": 0.5,
      "opened_date": "2020-05-15",
      "status": "active"
    }
  ],
  "transactions": [
    {
      "id": "txn_001",
      "account_id": "acct_001",
      "date": "2024-12-23",
      "merchant": "Whole Foods Market",
      "amount": -127.45,
      "category": "Groceries",
      "status": "posted",
      "location": "San Francisco, CA"
    },
    {
      "id": "txn_002",
      "account_id": "acct_001",
      "date": "2024-12-23",
      "merchant": "Chevron Gas Station",
      "amount": -65,
      "category": "Gas & Fuel",
      "status": "posted",
      "location": "San Francisco, CA"
    },
    {
      "id": "txn_003",
      "account_id": "acct_001",
      "date": "2024-12-22",
      "merchant": "Starbucks",
      "amount": -8.5,
      "category": "Dining & Drinks",
      "status": "posted",
      "location": "San Francisco, CA"
    },
    {
      "id": "txn_004",
      "account_id": "acct_001",
      "date": "2024-12-20",
      "merchant": "Direct Deposit - Salary",
      "amount": 3500,
      "category": "Income",
      "status": "posted",
      "location": "Electronic Transfer"
    },
    {
      "id": "txn_005",
      "account_id": "acct_001",
      "date": "2024-12-19",
      "merchant": "AT&T Mobile",
      "amount": -85,
      "category": "Utilities",
      "status": "posted",
      "location": "Online Payment"
    },
    {
      "id": "txn_006",
      "account_id": "acct_001",
      "date": "2024-12-18",
      "merchant": "Amazon.com",
      "amount": -156.78,
      "category": "Shopping",
      "status": "posted",
      "location": "Online"
    }
  ],
  "fraud_alerts": [
    {
      "id": "fraud_001",
      "account_id": "acct_001",
      "transaction_id": "txn_999",
      "amount": 899,
      "merchant": "Best Buy Electronics",
      "location": "Miami, FL",
      "date": "2024-12-23",
      "time": "22:15",
      "reason": "Unusual location - Transaction in Miami while recent activity in San Francisco",
      "status": "pending_verification",
      "card_last_4": "1234"
    }
  ],
  "loan_products": [
    {
      "id": "loan_personal",
      "type": "personal_loan",
      "name": "Personal Loan",
      "min_amount": 1000,
      "max_amount": 50000,
      "terms": [
        12,
        24,
        36,
        48,
        60
      ],
      "apr_range": {
        "min": 5.99,
        "max": 18.99
      },
      "features": [
        "No origination fees",
        "Flexible repayment terms",
        "Quick approval process",
        "Direct deposit available"
      ],
      "requirements": [
        "Credit score 620+",
        "Stable income",
        "Valid U.S. address",
        "18 years or older"
      ]
    },
    {
      "id": "loan_auto",
      "type": "auto_loan",
      "name": "Auto Loan",
      "min_amount": 5000,
      "max_amount": 75000,
      "terms": [
        36,
        48,
        60,
        72
      ],
      "apr_range": {
        "min": 3.99,
        "max": 9.99
      },
      "features": [
        "New and used vehicles",
        "No prepayment penalty",
        "Competitive rates",
        "Pre-approval available"
      ],
      "requirements": [
        "Valid driver's license",
        "Proof of insurance",
        "Stable income",
        "Credit score 650+"
      ]
    }
  ],
  "credit_cards": [
    {
      "id": "cc_platinum",
      "name": "Platinum Rewards Card",
      "annual_fee": 95,
      "rewards": "2% cashback on all purchases, 3% on gas and groceries",
      "intro_apr": 0,
      "intro_period_months": 15,
      "regular_apr": 16.99,
      "credit_limit_range": {
        "min": 5000,
        "max": 25000
      },
      "benefits": [
        "Travel insurance",
        "Purchase protection",
        "Extended warranty",
        "Concierge service",
        "No foreign transaction fees"
      ],
      "requirements": [
        "Credit score 720+",
        "Annual income $50,000+",
        "Good credit history"
      ],
      "image": "https://images.unsplash.com/photo-1563013544-824ae1b704d3"
    },
    {
      "id": "cc_cash_back",
      "name": "Cash Back Everyday Card",
      "annual_fee": 0,
      "rewards": "1.5% cashback on all purchases",
      "intro_apr": 0,
      "intro_period_months": 12,
      "regular_apr": 14.99,
      "credit_limit_range": {
        "min": 1000,
        "max": 15000
      },
      "benefits": [
        "No annual fee",
        "Cashback never expires",
        "Fraud protection",
        "Mobile app access"
      ],
      "requirements": [
        "Credit score 660+",
        "Stable income",
        "U.S. resident"
      ],
      "image": "https://images.unsplash.com/photo-1559523161-0fc0d8b38a7a"
    },
    {
      "id": "cc_student",
      "name": "Student Cash Back Card",
      "annual_fee": 0,
      "rewards": "1% cashback, 5% on textbooks",
      "intro_apr": 0,
      "intro_period_months": 6,
      "regular_apr": 12.99,
      "credit_limit_range": {
        "min": 500,
        "max": 5000
      },
      "benefits": [
        "No credit history required",
        "Build credit responsibly",
        "Student discounts",
        "Financial education resources"
      ],
      "requirements": [
        "Enrolled in college/university",
        "18 years or older",
        "U.S. resident"
      ],
      "image": "https://images.unsplash.com/photo-1556742031-c6961e8560b0"
    }
  ]
}