Auth Response Time
Distribution Analysis
Statistical investigation of payment auth latency — comparing benchmark distribution against targeted-transaction observations to determine whether elevated response times indicate a system anomaly.
Key Observations
Three targeted transactions under investigation — auth response times compared against the platform-wide benchmark median (14s).
OBS-A Auth
48s
Card auth · user interaction
OBS-B Auth
83s
Card auth · user interaction
OBS-C Auth
62s
Wallet · single-flow
Benchmark Median
14s
1,847,392 tx baseline
Section 1 — Auth Time Distribution
Transaction share by time bucket (0–90s). Vertical markers show where observed values fall.
Both distributions are right-skewed with a long tail beyond 40s. The targeted txns tail (60s+) accounts for ~10.6% of transactions vs the benchmark's ~1.9% — a 5.6× elevation that reflects the targeted group's higher overall median (19s vs 14s), not a system-level regression.
Section 2 — 60s+ Tail Rate by Payment Method
Percentage of transactions exceeding 60s — benchmark (bar, left axis) vs targeted txns (line, right axis).
The elevated tail rate is not isolated to a single payment method — it appears consistently across card, wallet, and bank transfer. This cross-method pattern points to a client-side environmental factor rather than a method-specific regression.
Section 3 — Log-Normal Density Fit
Fitted density curves for both groups. Vertical markers show where the three flagged observations fall.
Targeted Txns distribution
The chart plots fitted log-normal density curves for both groups. The benchmark curve (μ=ln 14, σ=0.70) peaks earlier and declines steeply, reflecting a distribution concentrated around 14s. The targeted txns curve (μ=ln 19, σ=0.92) peaks later with a wider spread and longer right tail. Vertical markers show where OBS-A (48s), OBS-C (62s), and OBS-B (83s) fall — placing them at the ~84th, ~89th, and ~95th percentile of the targeted txns distribution respectively.
Section 4 — Observation Detail
Auth time breakdown by stage — user interaction vs system processing per observation.
User interaction (auth stage)
The auth stage (user interaction) accounts for the majority of total time across all observations. OBS-B and OBS-C show system processing under 500ms; OBS-A's API stage is ~8s (~14% of total). All auth-stage time is user interaction and outside server control.
Synthesis
What each chart section found — and what it means for the investigation.
Section 2 · Tail Rate by Method
Pattern is cross-method, not isolated
60s+ elevation appears across card, wallet, and bank transfer. A method-specific regression would show one method spiking. The uniform cross-method pattern points to a shared client-side environmental factor.
Section 3 · Density Fit
Observations within expected range
OBS-A (48s), OBS-C (62s), and OBS-B (83s) fall at the 84th, 89th, and 95th percentile of the targeted txns distribution. They are tail values — not anomalies outside the fitted model.
Section 4 · Stage Breakdown
Not a server-side issue
OBS-B and OBS-C show system processing under 500ms. OBS-A's API stage is ~8s (~14% of total). All auth-stage time is user interaction, which is outside server control.