Consumer Groups

A payments service publishes a PaymentCaptured event to the payment-events topic every time a card payment succeeds. Three teams want those events. The ledger team records every payment in the accounts, the fraud team scores each payment for risk, and the receipts team emails the customer a receipt. If all three teams read the topic, should they share one consumer group, or should each team have its own? And when the fraud check falls behind, how many copies of the fraud service should run?