Thin evidence loses quiet cases
The disputes that hurt most are often the quiet ones — medium-value cases where nobody escalates until the loss hits the month-end file. By then, evidence is scattered across merchant emails, case notes, and settlement exports.
Strong dispute handling builds the trail as the case moves: timestamps, customer notices, and transaction artefacts attached on a schedule, not in a last-day scramble.
When we assess evidence trails, incomplete packs correlate more with late assembly than with missing technology. Process ownership beats another archive folder.