app.py

import os
import pandas as pd
import numpy as np
import gradio as gr
import plotly.graph_objects as go
from google import genai

# --- CONFIG AI ---
GOOGLE_API_KEY = os.getenv("GOOGLE_API_KEY")
client_ai = genai.Client(api_key=GOOGLE_API_KEY) if GOOGLE_API_KEY else None

# --- UI STYLE: BANK NAGARI PREMIUM ---
custom_css = """
@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;600;700;800&display=swap');
body, .gradio-container { font-family: 'Plus Jakarta Sans', sans-serif !important; background-color: #FFFFFF !important; }

.nagari-header { 
    background: linear-gradient(135deg, #05A4DE 0%, #82C3EB 100%); 
    padding: 35px; border-radius: 15px; border-bottom: 6px solid #F7BD87; 
    margin-bottom: 25px; text-align: center;
}
.nagari-header h1 { color: #FFFFFF !important; font-weight: 800 !important; margin: 0; font-size: 2.2em; text-shadow: 2px 2px 4px rgba(0,0,0,0.2); }

.card-sidebar { 
    background: #E0EDF4; border-radius: 15px; padding: 25px; 
    border: 1.5px solid #82C3EB; box-shadow: 0 4px 12px rgba(5, 164, 222, 0.1); 
}
.health-badge { background: white; padding: 12px; border-radius: 8px; margin-bottom: 12px; border-left: 5px solid #05A4DE; font-size: 0.95em; }

.report-card { background: white; border-radius: 12px; padding: 30px; border: 1px solid #E2E8F0; line-height: 1.8; color: #1e293b; }
.nbo-box { background: #fffdf0; border: 2px solid #F7BD87; padding: 20px; border-radius: 10px; margin-top: 20px; }
"""

class ArchonMasterEngine:
    def __init__(self):
        self.load_data()

    def load_data(self):
        try:
            self.df_txn = pd.read_csv('transactions.csv', parse_dates=['date']).sort_values('date')
            self.df_cust = pd.read_csv('customers.csv')
            self.df_bal = pd.read_csv('balances_revised.csv', parse_dates=['month']).sort_values('month')
            self.df_rep = pd.read_csv('repayments_revised.csv', parse_dates=['due_date']).fillna("on_time")
        except Exception as e: print(f"Load Error: {e}")

    def analyze(self, customer_id):
        cid = str(customer_id).strip().upper()
        u_txn = self.df_txn[self.df_txn['customer_id'] == cid].copy()
        u_bal = self.df_bal[self.df_bal['customer_id'] == cid].sort_values('month')
        u_rep = self.df_rep[self.df_rep['customer_id'] == cid]
        u_info_df = self.df_cust[self.df_cust['customer_id'] == cid]

        if u_txn.empty or u_info_df.empty: return None
        u_info = u_info_df.iloc[0]

        # --- FASE 2: INTELLIGENCE (Semantic Parser) ---
        essential_keywords = ['indomaret', 'alfamart', 'listrik', 'pdam', 'telkom', 'sekolah', 'rs ', 'obat', 'cicilan', 'pinjaman', 'gaji', 'asuransi', 'grocer', 'utilities']
        def classify_exp(row):
            desc = str(row.get('raw_description', '')).lower()
            return 'essential' if any(k in desc for k in essential_keywords) else 'discretionary'
        u_txn['expense_type'] = u_txn.apply(classify_exp, axis=1)

        # --- FASE 3 & 4: RISK SCORING ---
        income_txn = u_txn[u_txn['transaction_type'] == 'credit']['amount'].sum()
        ref_income = max(income_txn, u_info['monthly_income'])
        expense = u_txn[u_txn['transaction_type'] == 'debit']['amount'].sum()
        er = expense / ref_income if ref_income > 0 else 1.0
        
        # Bobot 30/20/20/20/10
        er_s = 1.0 if er > 0.8 else (0.5 if er > 0.5 else 0.0)
        bt_s = 1.0 if len(u_bal) >= 2 and u_bal.iloc[-1]['avg_balance'] < u_bal.iloc[0]['avg_balance'] else 0.0
        od_s = 1.0 if (u_bal['min_balance'] <= 0).any() else 0.0
        mp_s = 1.0 if (u_rep['status'] == 'late').any() else 0.0
        
        score = (0.3 * er_s) + (0.2 * bt_s) + (0.2 * od_s) + (0.2 * mp_s) + 0.05
        risk_lv = "HIGH" if score >= 0.7 else ("MEDIUM" if score >= 0.4 else "LOW")

        # --- FASE 5: NBO ENGINE ---
        if risk_lv == "HIGH" or mp_s == 1:
            action, nbo_msg = "Program Restrukturisasi", "Kami menyarankan penyesuaian jadwal pembayaran cicilan agar kondisi keuangan Anda tetap terjaga."
            steps = ["Ajukan peninjauan tenor", "Konsolidasi tagihan harian", "Manfaatkan konsultasi dana."]
        elif er > 0.6:
            action, nbo_msg = "Pengaturan Limit Belanja (Spending Control)", "Kami mendeteksi pola belanja yang tinggi. Anda disarankan mengatur limit transaksi harian agar tabungan tetap aman."
            steps = ["Atur limit harian QRIS", "Aktifkan notifikasi saldo", "Prioritaskan kebutuhan pokok."]
        elif risk_lv == "LOW":
            action, nbo_msg = "Optimalkan Tabungan (Promote Saving)", "Kondisi keuangan Anda sangat prima. Ini waktu yang tepat untuk menumbuhkan aset Anda melalui Deposito."
            steps = ["Buka tabungan berjangka", "Pindahkan dana ke deposito", "Eksplorasi produk reksa dana."]
        else:
            action, nbo_msg = "Edukasi Pengelolaan Kas", "Mari perkuat daya tahan keuangan Anda dengan tips pengelolaan arus kas di aplikasi mobile kami."
            steps = ["Baca artikel cerdas belanja", "Gunakan fitur budgeting", "Review pengeluaran bulanan."]

        return risk_lv, score, er, u_bal, u_txn, expense, ref_income, action, nbo_msg, steps, er_s, bt_s, od_s, mp_s

    def build_narrative(self, risk_lv, score, er, u_bal, exp, inc, action, nbo_msg, steps, cid, u_txn):
        # FASE 6: EXPLAINABLE SUMMARY
        msg = f"### LAPORAN ANALISIS RESILIENSI FINANSIAL ANDA\n\n"
        msg += f"Halo Bapak/Ibu, sistem Archon menetapkan tingkat kesehatan finansial Anda ({cid}) pada kategori **{risk_lv}** (Skor: {score:.2f}).\n\n"
        
        msg += f"**1. Mengapa Skor Ini Muncul?**\n"
        msg += f"* **Efisiensi Belanja ({er:.1%})**: Anda menghabiskan Rp{exp:,.0f} dari pendapatan Rp{inc:,.0f}. "
        msg += "Ini menunjukkan pengeluaran yang melebihi pendapatan (defisit)." if er > 1 else "Manajemen belanja Anda terpantau cukup terkendali."
        
        if not u_bal.empty:
            msg += f"\n* **Analisis Saldo**: Saldo rata-rata Anda Rp{u_bal.iloc[-1]['avg_balance']:,.0f}. "
            msg += "Terdeteksi tren penurunan saldo, disarankan untuk mulai menabung kembali." if len(u_bal) > 1 and u_bal.iloc[-1]['avg_balance'] < u_bal.iloc[0]['avg_balance'] else "Saldo Anda tumbuh dengan stabil dan aman."

        msg += f"\n\n<div class='nbo-box'>REKOMENDASI UNTUK ANDA: {action}\n\n"
        msg += f"**Tujuan:** {nbo_msg}\n\n"
        msg += f"**Langkah-Langkah Implementasi:**\n"
        for i, step in enumerate(steps, 1): msg += f"{i}. {step}\n"
        msg += f"</div>"
        return msg

    def create_viz(self, u_bal, u_txn):
        # 1. Cashflow
        u_txn['m'] = u_txn['date'].dt.to_period('M').dt.to_timestamp()
        cf = u_txn.groupby(['m', 'transaction_type'])['amount'].sum().unstack().fillna(0)
        f1 = go.Figure()
        f1.add_trace(go.Bar(x=cf.index, y=cf.get('credit', 0), name='Pemasukan (Inflow)', marker_color='#82C3EB'))
        f1.add_trace(go.Bar(x=cf.index, y=cf.get('debit', 0), name='Pengeluaran (Outflow)', marker_color='#05A4DE'))
        f1.update_layout(title="Arus Kas Bulanan", barmode='group', template='plotly_white')

        # 2. Pie Chart
        exp_dist = u_txn[u_txn['transaction_type'] == 'debit'].groupby('expense_type')['amount'].sum().reset_index()
        color_map = {'essential': '#05A4DE', 'discretionary': '#F7BD87'}
        f2 = go.Figure(data=[go.Pie(
            labels=exp_dist['expense_type'], values=exp_dist['amount'], hole=.4,
            marker=dict(colors=[color_map.get(x, '#E0EDF4') for x in exp_dist['expense_type']])
        )])
        f2.update_layout(title="Komposisi Pengeluaran (Kebutuhan vs Gaya Hidup)")

        # 3. Tren Saldo (Restored)
        f3 = go.Figure()
        f3.add_trace(go.Scatter(x=u_bal['month'], y=u_bal['avg_balance'], name='Saldo Rata-rata', line=dict(color='#F7BD87', width=4)))
        f3.update_layout(title="Tren Pertumbuhan Saldo", template='plotly_white')
        
        return f1, f2, f3

# --- UI LOGIC ---
engine = ArchonMasterEngine()

def run_app(cust_id):
    res = engine.analyze(cust_id)
    if not res: return "ID Tidak Valid", "Gunakan ID C0001 - C0120", None, None, None
    
    risk_lv, score, er, u_bal, u_txn, exp, inc, action, nbo_msg, steps, er_s, bt_s, od_s, mp_s = res
    report = engine.build_narrative(risk_lv, score, er, u_bal, exp, inc, action, nbo_msg, steps, cust_id, u_txn)
    p1, p2, p3 = engine.create_viz(u_bal, u_txn)
    
    color = "#ef4444" if risk_lv == "HIGH" else ("#f59e0b" if risk_lv == "MEDIUM" else "#10b981")
    sidebar = f"""
    <div class='card-sidebar'>
        <h2 style='color: #05A4DE; margin:0;'>Status Keuangan</h2>
        <div style='background:{color}; color:white; padding:10px 20px; border-radius:30px; font-weight:bold; display:inline-block; margin:15px 0;'>{risk_lv} RISK LEVEL</div>
        <div class='health-badge'><b>Skor Risiko:</b> {score:.2f} / 1.00</div>
        <div class='health-badge'><b>Efisiensi Belanja:</b> {er:.1%} {'⚠️' if er > 0.8 else '✔️'}</div>
        <div class='health-badge'><b>Kesehatan Saldo:</b> {'🔻 Menurun' if bt_s == 1 else '🔺 Stabil'}</div>
    </div>
    """
    return sidebar, report, p1, p2, p3

with gr.Blocks(css=custom_css) as demo:
    gr.HTML("<div class='nagari-header'><h1>ARCHON-AI</h1></div>")
    with gr.Row():
        with gr.Column(scale=1):
            id_in = gr.Textbox(label="Customer ID", placeholder="C0001")
            btn = gr.Button("ANALYZE CUSTOMER", variant="primary")
            out_side = gr.HTML()
        with gr.Column(scale=2):
            with gr.Tabs():
                with gr.Tab("Laporan Untuk Anda"):
                    out_report = gr.Markdown(elem_classes="report-card")
                with gr.Tab("Visualisasi Keuangan"):
                    gr.Markdown("### 1. Uang Masuk vs Uang Keluar")
                    plot_cf = gr.Plot()
                    gr.HTML("<div style='background:#f1f5f9; padding:15px; border-radius:8px;'><b>Interpretasi:</b> Batang muda (Inflow) idealnya lebih tinggi dari batang tua (Outflow).</div>")
                    gr.Markdown("---")
                    gr.Markdown("### 2. Komposisi Gaya Hidup")
                    plot_dist = gr.Plot()
                    gr.HTML("<div style='background:#f1f5f9; padding:15px; border-radius:8px;'><b>Warna:</b> Biru = Kebutuhan (Essential). Emas = Gaya Hidup (Discretionary).</div>")
                    gr.Markdown("---")
                    gr.Markdown("### 3. Tren Pertumbuhan Saldo")
                    plot_bal = gr.Plot()
                    gr.HTML("<div style='background:#f1f5f9; padding:15px; border-radius:8px;'><b>Interpretasi:</b> Menunjukkan daya tahan tabungan Anda terhadap krisis.</div>")

    btn.click(fn=run_app, inputs=id_in, outputs=[out_side, out_report, plot_cf, plot_dist, plot_bal])

demo.launch()