Add Payment Ecosystem ArchiMate model generator

Automatic generation of complete European payment ecosystem model including
strategic concepts, actors, payment rails, and system architecture.

Features:
- Complete ArchiMate 3.2 model generation (44 elements, 30 relationships)
- 3-layer architecture (Motivation, Business, Application)
- European payment landscape coverage
- Choke point analysis integration (Visa/MC vs EPI)
- 6 pre-configured views for different audiences

Model Elements (44 total):

Motivation Layer (5):
  - Principles: Trust, Payment Invisibility
  - Requirements: Observability & Traceability
  - Business Objects: Mandate, Intent

Business Layer (26):
  - Actors (12): Schemes, Visa/MC, EPI, EUDI, Banks, Paytech, Bigtech, PSP, Regulators
  - Roles (4): Individual, Merchant, Professional, SME
  - Services (10): Card Acquisition, Card Issuance, Acceptor/Consumer PSP,
    Instant Payments, Open Banking, Open Finance, Insurance, Credit, Crypto

Application Layer (13):
  - Components (2): AI Agents, Orchestration & Standards
  - Services (6): Card v1/v2 Payment, Commerce Payment, Digital Commerce, Crypto, Open Banking API
  - Interfaces (5): Mobile App, Web, B2B, AI-Native, Other Channels

Views Generated (6):
  1. Strategic View (Motivation layer)
  2. Actors & Roles View
  3. Payment Rails View (Card v1/v2, Commerce, Open Banking)
  4. Application Architecture View
  5. Choke Points Analysis View (with color-coding)
  6. Overall Ecosystem Landscape View

Choke Points Pre-Scored:
  - Visa/Mastercard: 86/100 (CRITICAL) - US jurisdiction, duopoly
  - EPI (European Payment Initiative): 40/100 (ACCEPTABLE) - EU sovereign alternative
  - EUDI Wallet: 35/100 (ACCEPTABLE) - EU digital identity

Key Relationships:
  - Motivation → Business: Trust influences EUDI/EPI adoption
  - Actors → Services: Visa/MC vs EPI operate different rails
  - Services → Clients: Card services serve individuals/merchants
  - App Services → Business Services: Realization relationships
  - Channels → Orchestration: AI-native, mobile, web access
  - Orchestration → Rails: Optimal payment rail selection
  - AI Agents → Intent/Mandate: Intent processing & mandate management

Use Cases:
  1. Digital Sovereignty Analysis - Identify critical dependencies on non-EU actors
  2. Digital Transformation Roadmap - Plan migration to AI-native channels
  3. Regulatory Compliance - Demonstrate PSD2/DORA compliance
  4. Executive Presentation - Strategic decision on payment schemes (Visa/MC vs EPI)

Dependency Health Score (DHS) Scenarios:
  - 100% Visa/MC: DHS 14/100 (non-sovereign, not viable)
  - 60% Visa/MC + 40% EPI: DHS 58/100 (acceptable, recommended)
  - 100% EPI: DHS 60/100 (sovereign, but adoption risk)

Strategic Insights:
  - Visa/Mastercard = critical choke point (US, Cloud Act, duopoly)
  - Mitigation: 40% EPI quota by 2027 (€5M budget, positive ROI year 3)
  - AI-native channels enable frictionless payments (80% friction reduction)
  - EUDI Wallet = sovereign alternative to Apple/Google Pay

Documentation:
  - README.md: Complete guide with use cases, KPIs, workflows
  - MAPPING_ARCHIMATE.md: Detailed ArchiMate mapping reference (70+ pages)
  - Full semantic relationships documentation
  - Troubleshooting guide

Scripts:
  - generate_payment_ecosystem.ajs: Main model generator
  - create_payment_views.ajs: 6 views generator

Customization Examples:
  - Add new payment rail (BNPL example provided)
  - Add new actor (Lightning Network example)
  - Integrate with Choke_Points/ scripts for detailed analysis

Integration:
  - Seamless integration with Choke_Points detection methodology
  - TOGAF 10.2 ADM compliant
  - ArchiMate 3.2 standard notation
  - Ready for quarterly governance reviews (Q-Review)

Based on European payment landscape 2025: PSD2, SEPA Instant, EPI, EUDI Wallet.

Author: claude