Analyze credit request PHP script

gistfile1.xml

<scripting:component doc:name="Analyze credit request">
    <scripting:script engine="php">
        <scripting:text>
            <![CDATA[
                    
                <?php 

                $log->info("Hello from PHP, mule!");
                
                $request = json_decode($payload, true);
                
                if (strcmp(substr($request["customerId"], 0, 3), "ABC") == 0) $factor = 3;
                else if (strcmp(substr($request["customerId"], 0, 3), "DEF") == 0) $factor = 2;
                
                if ($request["requestedAmount"] > ($factor * $request["averageIncome"])) {
                        
                        $message->setOutboundProperty("outcome", "rejected");
                        $request["maxAmount"] = ($factor * $request["averageIncome"]);
                
                } else {
                
                        $message->setOutboundProperty("outcome", "approved");
                        
                }
                
                return json_encode($request);
                
                ?>
            ]]>
        </scripting:text>
    </scripting:script>
</scripting:component>