If-then condition in JSON Schema isn't working

Following is the jsonSchema.

{
  "$schema": "http://json-schema.org/draft-07/schema#",
  "type": "array",
  "items": [
    {
      "type": "object",
      "properties": {
        "isMerchant": {
          "type": "boolean"
        },
        "isAgent": {
          "type": "boolean"
        },
        "cashLoan": {
          "type": "boolean"
        },
        "personalDetail": {
          "type": "string"
        },
        "contact": {
          "type": "object",
          "properties": {
            "email": {
              "type": "string"
            },
            "mobile": {
              "type": "integer"
            },
            "area": {
              "type": "string"
            },
            "state": {
              "type": "string"
            }
          },
          "required": ["state"]}
      },
      "required": ["isMerchant","cashLoan","contact"],
      "allOf": [
        {
          "if": {
            "properties": {
              "isMerchant": {"enum": [true]}
            }
          },
          "then": {
            "required": [ "isAgent","email","mobile"]
          }
        },
        {
          "if": {
            "properties": {
              "cashLoan": {"enum": [true]}
            }
          },
          "then": {
            "required": ["personalDetail"]
          }
        }
      ]
    }
  ]
}

Expectation is to validate the corresponding JSON data with this JSON schema. where conditions are as follows –

1. If ‘isMerchant’ = true then the params ‘isAgent’, ’email’, ‘mobile’ should be present in the json file.
2. If ‘cashLoan’ = true then param ‘personalDetail’ should be present.