New analytics_service.py with three analytics features:
- Cohort retention: groups cards by enrollment month, tracks % with
any transaction in each subsequent month. Returns matrix suitable
for Chart.js heatmap. GET /analytics/cohorts?months_back=6
- Churn detection: flags cards as "at risk" when inactive > 2x their
average inter-transaction interval (default 60d for new cards).
Returns ranked list. GET /analytics/churn?limit=50
- Revenue attribution: monthly and per-store aggregation of point-
earning transactions. GET /analytics/revenue?months_back=6
Endpoints added to both admin API (/admin/loyalty/merchants/{id}/
analytics/*) and store API (/store/loyalty/analytics/*) so merchants
can see their own analytics.
342 tests pass.
Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>