What does "audit trail" mean in this case? It sounds like some product feature that for some reason was optional, and had not been turned on. Wouldn't the bas

What does "audit trail" mean in this case? It sounds like some product feature that for some reason was optional, and had not been turned on. Wouldn't the base system of functionality that is always on (not optional) capture information like payments and transfers, including what they're for and who authorized them? What more information does this optional "audit trail" provide?