{
  "Australia": {
    "code": "AU",
    "rating": "Amber+",
    "overall_score": 3.44,
    "regulator": "ACCC (Consumer Data Right)",
    "regime": "Consumer Data Right (CDR)",
    "category_scores": {
      "Market Readiness": 3.4,
      "Data Connectivity": 4.5,
      "Data Quality": 3.5,
      "Regulatory Environment": 3.2,
      "Licensing Complexity": 3.2,
      "Aggregator Ecosystem": 4.3,
      "Alternative Credit Acceptance": 3.1,
      "Competitive Landscape": 3.3,
      "Customer Behaviour Fit": 3.2,
      "Onboarding Friction": 3.0
    },
    "coverage": "~95-100%",
    "uptime": "90%+ uptime",
    "historical_depth": "~24 months",
    "key_observations": [
      "Infrastructure is globally competitive",
      "12-month consent reduces churn vs UK",
      "Regulatory reset underway",
      "Economic density is the core constraint"
    ],
    "gating_variable": "Economic density (commercial adoption of OB-based underwriting)",
    "launch_priority": "Tier 2 (12–24 months)"
  },
  "Poland": {
    "code": "PL",
    "rating": "Green",
    "overall_score": 4.28,
    "regulator": "KNF (Komisji Nadzoru Finansowego)",
    "regime": "Payment Services Act (transposes EU PSD2)",
    "category_scores": {
      "Market Readiness": 4.6,
      "Data Connectivity": 4.6,
      "Data Quality": 4.4,
      "Regulatory Environment": 4.2,
      "Licensing Complexity": 4.0,
      "Aggregator Ecosystem": 4.5,
      "Alternative Credit Acceptance": 4.3,
      "Competitive Landscape": 4.2,
      "Customer Behaviour Fit": 4.4,
      "Onboarding Friction": 4.6
    },
    "coverage": "~95-100%",
    "uptime": "99.99%+ (100% in 4 of last 6 months)",
    "historical_depth": "Per PolishAPI standard",
    "key_observations": [
      "~38M people, one of the largest CEE markets",
      "Digitally savvy, frictionless onboarding",
      "CCD2 (Q4 2026) will increase AISP demand",
      "Primarily uses PolishAPI standard",
      "PKO BP API lacks account holder name/address (fallback required)"
    ],
    "gating_variable": "Distribution access and customer ownership",
    "launch_priority": "High — near-term European expansion"
  },
  "Spain": {
    "code": "ES",
    "rating": "Amber/Green (mixed)",
    "overall_score": 3.9,
    "regulator": "Banco de España / CNMV",
    "regime": "PSD2 (EU)",
    "category_scores": {
      "Aggregator Ecosystem": 4.0
    },
    "coverage": "Variable; multi-aggregator strategy required",
    "uptime": "Lower than PL; uneven uptime, fallback systems often needed",
    "historical_depth": "Per PSD2 standard",
    "key_observations": [
      "Tink dominant via Eurobits acquisition",
      "Stability of OB APIs lower than Poland",
      "Multi-aggregator strategy advised for redundancy",
      "Banco de España does not publish market share data"
    ],
    "gating_variable": "Aggregator choice (directly determines coverage and UX)",
    "launch_priority": "Near-term with partner; multi-aggregator strategy"
  }
}