This rule monitors newly established merchant accounts for abnormal decline patterns that may indicate fraudulent merchant applications or compromised new accounts.

Flags when ALL conditions met:
1. Merchant account age is less than 90 days
2. More than 5 declined transactions occur within 20 minutes
3. Decline rate is increasing (trending upward)

New merchants with high declines indicate potential fraud scenarios:
- Fraudulent merchant application (using stolen/fake business identity)
- Money laundering setup (testing before large illicit transaction volume)
- Friendly merchants providing testing platform for fraud rings
- Inexperienced merchant with poor transaction validation processes
- Compromised new account being exploited before owner notices

Generates an ALERT for enhanced merchant screening and business validation without disrupting legitimate new merchant operations.