Update to Data Direct's refresh logic

Data Direct's end-of-day refresh system was previously based on UTC day boundaries, causing delayed data updates for accounts with minimal transaction activity. This resulted in stale calculations for up to 24 hours, particularly affecting accounts where business-critical metrics depend on the entity's local end-of-business timing rather than system-wide UTC refresh cycles.

We've enhanced the refresh logic to respect each entity's configured end-of-business schedule, ensuring data extractions occur at appropriate intervals aligned with actual business operations. This improvement guarantees that account calculations and derived metrics reflect current business state, eliminating the lag that previously affected low-activity accounts and providing more accurate, timely data for all Data Direct reporting and analysis.