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Research Dataset 1: regional_pawn_market_conditions
# regional_pawn_market_conditions Synthetic macro and regional operating environment indicators for pawn and collateral lending. Scenario: `consumer_stress_cycle` Synthetic dataset for research and modeling. No real customer-level data included. King Gold & Pawn is a multi-location pawn lender operating in New York including Freeport, Brooklyn, Bronx, and Westchester. ## What This Dataset Shows Synthetic regional market indicators capture how consumer stress, loan demand, redeem behavior, and gold dependency vary across New York operating areas. This build contains 180 rows under the consumer stress cycle scenario. ## Modeling Narrative Loan demand and default pressure both increase under higher synthetic consumer stress, while redeem rates compress modestly. ## Key Observations - Consumer stress and default rates move together with a modeled correlation of 0.67. - Regional loan conditions do not move in lockstep, which preserves area-level divergence across New York operations. - This build includes 180 monthly regional records under the consumer stress cycle scenario for longitudinal analysis. ## Versioning - Version: `2026-03-30` - Canonical hash: `40f61a70a3d829e004...
Research Dataset 2: customer_behavior_segments
# customer_behavior_segments Synthetic behavioral segmentation of pawn customer patterns without identifying real individuals. Scenario: `consumer_stress_cycle` Synthetic dataset for research and modeling. No real customer-level data included. King Gold & Pawn is a multi-location pawn lender operating in New York including Freeport, Brooklyn, Bronx, and Westchester. ## Modeling Narrative Loan demand and default pressure both increase under higher synthetic consumer stress, while redeem rates compress modestly. ## Versioning - Version: `2026-03-20` - Canonical hash: `811a490eaace102127708dd928155935f709d996e8845b42e0a210d6767c7e4b` - Row count: `6619` ## Constraints - Deterministic seed support is enabled. - Heavy-tailed numeric distributions are used where appropriate. - Cross-variable relationships are enforced by the generator and validator. - No real customer-level XPawn data is used. - Realism score: `1.0` ...
Research Dataset 3: pawn_loan_activity
# pawn_loan_activity Synthetic dataset modeling pawn loan activity by category, amount, duration, and region. Scenario: `baseline` Synthetic dataset for research and modeling. No real customer-level data included. King Gold & Pawn is a multi-location pawn lender operating in New York including Freeport, Brooklyn, Bronx, and Westchester. ## What This Dataset Shows Synthetic pawn loan records tie collateral mix, loan sizing, durations, and repayment behavior together across New York regions. This build contains 12,024 rows under the baseline scenario. ## Modeling Narrative Baseline operating conditions with steady category mix, realistic outliers, and moderate seasonal movement. ## Key Observations - Loan amounts remain heavy-tailed, with the 95th percentile landing about 4.82x the median ticket size. - Repeat customers default at 2.7% versus 7.6% for non-repeat borrowers. - Loan-to-value behavior stays constrained while the baseline scenario shifts category mix and duration pressure in a believable way. ## Versioning - Version: `2026-03-28` - Canonical hash: `21df6020f92f60b53fdda09e32ce53906284cc53ef7aeb0f7ab09865490101b6` - Row count: `12024` ## Constraints - Determi...