Financial services journey

{
  "kbaQuestionSets": [
    {
      "question": {
        "key": "Q1",
        "text": "Wait - could this be a scam?  Tell us your reason so we can protect you."
      },
      "answers": {
        "1": {
          "key": "Q1.A1",
          "text": "Making an investment",
          "action": "challenge"
        },
        "2": { "key": "Q1.A2", "text": "Account Transfer", "action": "permit" },
        "3": { "key": "Q1.A3", "text": "Investing in Crypto", "action": "deny" }
      }
    },
    {
      "question": {
        "key": "Q2",
        "text": "This seems to be an unusual payment. To help us protect your account, what is the primary reason for this transfer?"
      },
      "answers": {
        "1": {
          "key": "Q2.A1",
          "text": "Paying a family member or a friend.",
          "action": "permit"
        },
        "2": {
          "key": "Q2.A2",
          "text": "Purchasing a high-value item (e.g., car, jewelry).",
          "action": "challenge"
        },
        "3": {
          "key": "Q2.A3",
          "text": "Investing in cryptocurrency.",
          "action": "deny"
        },
        "4": {
          "key": "Q2.A4",
          "text": "To secure my funds after an unexpected call from my bank/police.",
          "action": "deny"
        },
        "5": {
          "key": "Q2.A5",
          "text": "An online investment with guaranteed high returns.",
          "action": "deny"
        }
      }
    },
    {
      "question": {
        "key": "Q3",
        "text": "We see this is a new recipient. How did you receive their account details?"
      },
      "answers": {
        "1": {
          "key": "Q3.A1",
          "text": "From an official company invoice or website.",
          "action": "permit"
        },
        "2": {
          "key": "Q3.A2",
          "text": "From an email or text message.",
          "action": "challenge"
        },
        "3": {
          "key": "Q3.A3",
          "text": "Over the phone from someone who called me unexpectedly.",
          "action": "deny"
        },
        "4": {
          "key": "Q3.A4",
          "text": "From a person I have only met on a social media or dating app.",
          "action": "deny"
        }
      }
    },
    {
      "question": {
        "key": "Q4",
        "text": "Are you being pressured to make this payment right now to avoid a fine, unlock an account, or secure a prize?"
      },
      "answers": {
        "1": {
          "key": "Q4.A1",
          "text": "No, I am making this payment on my own time without any pressure.",
          "action": "permit"
        },
        "2": {
          "key": "Q4.A2",
          "text": "Yes, I was told it must be done immediately.",
          "action": "deny"
        },
        "3": {
          "key": "Q4.A3",
          "text": "I am not sure if I am being pressured.",
          "action": "challenge"
        }
      }
    },
    {
      "question": {
        "key": "Q5",
        "text": "Is anyone you do not personally know guiding you through this payment on your computer or phone right now?"
      },
      "answers": {
        "1": {
          "key": "Q5.A1",
          "text": "No, I am in full control and completing this myself.",
          "action": "permit"
        },
        "2": {
          "key": "Q5.A2",
          "text": "Yes, a support agent or bank employee is helping me remotely.",
          "action": "deny"
        },
        "3": {
          "key": "Q5.A3",
          "text": "A friend or family member is helping me.",
          "action": "challenge"
        }
      }
    },
    {
      "question": {
        "key": "Q6",
        "text": "Have you ever met the person you are sending this money to in real life?"
      },
      "answers": {
        "1": {
          "key": "Q6.A1",
          "text": "Yes, they are a friend, family member, or business contact I know personally.",
          "action": "permit"
        },
        "2": {
          "key": "Q6.A2",
          "text": "No, I have only ever interacted with them online or over the phone.",
          "action": "deny"
        },
        "3": {
          "key": "Q6.A3",
          "text": "This is for an online purchase from a company.",
          "action": "challenge"
        }
      }
    },
    {
      "question": {
        "key": "Q7",
        "text": "What is the expected outcome of this payment?"
      },
      "answers": {
        "1": {
          "key": "Q7.A1",
          "text": "To pay for goods or services from a known vendor.",
          "action": "permit"
        },
        "2": {
          "key": "Q7.A2",
          "text": "To pay a tax bill or government fine I was notified of by phone or email.",
          "action": "deny"
        },
        "3": {
          "key": "Q7.A3",
          "text": "To claim lottery winnings, an inheritance, or a prize.",
          "action": "deny"
        },
        "4": {
          "key": "Q7.A4",
          "text": "To pay a contractor for home repairs.",
          "action": "challenge"
        }
      }
    }
  ]
}