feat: update UI styling, refine risk scoring logic, and enhance NBO recommendations.

app.py

@@ -9,26 +9,39 @@ from google import genai
 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 (BLUE-GOLD) ---
+# --- PALETTE BANK NAGARI (BERDASARKAN NAGARI.PNG) ---
+# Primary: #05A4DE, Light: #82C3EB, Pale: #E0EDF4, White: #FFFFFF, Gold: #F7BD87
 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: #f8fafc !important; }
-.nagari-header { background: linear-gradient(135deg, #0514DE 0%, #82C3EB 100%); padding: 35px; border-radius: 15px; border-bottom: 6px solid #F7BD87; margin-bottom: 25px; text-align: center; }
+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; }
-.card-sidebar { background: #E0EDF4; border-radius: 15px; padding: 25px; border: 1.5px solid #82C3EB; box-shadow: 0 4px 12px rgba(5, 20, 222, 0.1); }
-.health-badge { background: white; padding: 12px; border-radius: 8px; margin-bottom: 12px; border-left: 5px solid #0514DE; font-size: 0.95em; }
-.report-card { background: white; border-radius: 12px; padding: 30px; border: 1px solid #E2E8F0; line-height: 1.8; color: #1e293b; }
+
+.sidebar-nagari { 
+    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; }
-.viz-explanation { background: #f1f5f9; padding: 15px; border-radius: 8px; margin-top: 10px; font-size: 0.9em; border-left: 4px solid #82C3EB; }
 """
 
-class ArchonPrecisionEngine:
+class ArchonPlatinumEngine:
     def __init__(self):
         self.load_data()
 
     def load_data(self):
-        # FASE 1: DATA FOUNDATION [cite: 1, 3]
         try:
+            # FASE 1: DATA FOUNDATION [cite: 1-6]
             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')
@@ -37,6 +50,8 @@ class ArchonPrecisionEngine:
 
     def analyze(self, customer_id):
         cid = str(customer_id).strip().upper()
+        
+        # Validasi Data Exist
         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]
@@ -45,119 +60,120 @@ class ArchonPrecisionEngine:
         if u_txn.empty or u_info_df.empty: return None
         u_info = u_info_df.iloc[0]
 
-        # --- FASE 2: TRANSACTION INTELLIGENCE (Refined Keywords)  ---
-        essential_list = {'groceries', 'utilities', 'transport', 'healthcare', 'education', 'bill', 'loan', 'salary'}
+        # --- FASE 2: TRANSACTION INTELLIGENCE  ---
+        essential_cats = {'groceries', 'utilities', 'transport', 'healthcare', 'education'}
+        essential_purps = {'bill_payment', 'salary_deduction', 'loan_repayment'}
         
         def classify_exp(row):
-            # Cek merchant_category, purpose_code, dan deskripsi secara case-insensitive [cite: 20, 21, 23]
             cat = str(row.get('merchant_category', '')).lower()
             purp = str(row.get('purpose_code', '')).lower()
-            desc = str(row.get('raw_description', '')).lower()
-            
-            if any(k in cat for k in essential_list) or any(k in purp for k in essential_list) or any(k in desc for k in essential_list):
-                return 'essential'
+            if cat in essential_cats or purp in essential_purps: return 'essential'
             return 'discretionary'
 
         u_txn['expense_type'] = u_txn.apply(classify_exp, axis=1)
 
-        # --- FASE 3 & 4: RISK SCORING (STRICT 30/20/20/20/10) [cite: 141-145] ---
+        # --- FASE 3 & 4: RISK SCORING (WEIGHTS 30/20/20/20/10) [cite: 141-145] ---
         inc_txn = u_txn[u_txn['transaction_type'] == 'credit']['amount'].sum()
         ref_inc = max(inc_txn, u_info['monthly_income'])
         exp_total = u_txn[u_txn['transaction_type'] == 'debit']['amount'].sum()
-        er = min(exp_total / ref_inc, 1.0) if ref_inc > 0 else 1.0
+        er = exp_total / ref_inc if ref_inc > 0 else 1.0
         
-        # Normalisasi Skor [cite: 132]
+        # Scoring Logic [cite: 136-138]
         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[-2]['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
+        vol_s = 0.5 # Default stability
         
-        # Rumus Final Risk Score [cite: 147]
-        score = (0.3 * er_s) + (0.2 * bt_s) + (0.2 * od_s) + (0.2 * mp_s) + 0.1
-        risk_lv = "HIGH" if score >= 0.70 else ("MEDIUM" if score >= 0.40 else "LOW")
-
-        # --- FASE 5: NBO ENGINE (Actionable Detail) [cite: 178] ---
-        if risk_lv == "HIGH" or mp_s == 1:
-            action, desc = "Restructuring Suggestion", "Fokus penyelamatan kredit untuk menghindari gagal bayar."
-            steps = ["Penjadwalan ulang tenor", "Konsolidasi kewajiban", "Review bunga."] [cite: 220]
-        elif er > 0.6:
-            action, desc = "Spending Control", "Pengendalian langsung pada pos belanja non-esensial."
-            steps = ["Setting limit QRIS Nagari", "Blokir sementara merchant gaya hidup", "Budgeting manual."] [cite: 207]
+        # Final Score [cite: 147]
+        score = (0.3 * er_s) + (0.2 * bt_s) + (0.2 * od_s) + (0.2 * mp_s) + (0.1 * vol_s)
+        risk_lv = "HIGH" if score >= 0.7 else ("MEDIUM" if score >= 0.4 else "LOW")
+
+        # --- FASE 5: NBO ENGINE (RULE BASED) [cite: 178-220] ---
+        disc_spending = u_txn[u_txn['expense_type'] == 'discretionary']['amount'].sum()
+        disc_ratio = disc_spending / exp_total if exp_total > 0 else 0
+        
+        if risk_lv == "HIGH":
+            action = "Restructuring Suggestion"
+            desc = "Nasabah berada dalam risiko gagal bayar tinggi. Bank perlu menawarkan penjadwalan ulang tenor atau penurunan suku bunga sementara."
+        elif er > 0.6 or disc_ratio > 0.6:
+            action = "Spending Control"
+            desc = "Terdeteksi pola belanja gaya hidup yang berlebihan. Rekomendasikan pembatasan limit harian atau edukasi budgeting."
         elif risk_lv == "LOW":
-            action, desc = "Promote Investment", "Optimalisasi dana surplus ke produk aset produktif."
-            steps = ["Tabungan Berjangka", "Deposito Gold", "Investasi Reksa Dana."] [cite: 194]
+            action = "Promote Investment"
+            desc = "Kapasitas finansial nasabah sangat baik. Waktunya menawarkan produk deposito atau reksa dana Nagari."
         else:
-            action, desc = "Financial Education", "Edukasi berkala untuk stabilitas jangka panjang."
-            steps = ["Modul cerdas belanja", "Webinar Perencanaan", "Tips Cashflow."] [cite: 214]
+            action = "Financial Education"
+            desc = "Berikan konten literasi keuangan untuk menjaga stabilitas arus kas nasabah."
 
-        return risk_lv, score, er, u_bal, u_txn, exp_total, ref_inc, action, desc, steps, er_s, bt_s, od_s, mp_s
+        return risk_lv, score, er, u_bal, u_txn, exp_total, ref_inc, action, desc, bt_s, od_s, mp_s
 
-    def build_report(self, risk_lv, score, er, u_bal, exp, inc, action, desc, steps, cid, u_txn):
-        # FASE 6: INSIGHT VISUALIZATION [cite: 280]
-        txt = f"### ANALISIS EKSEKUTIF: {risk_lv} RISK\n\n"
-        txt += f"**Identitas**: {cid} | **Skor Risiko**: {score:.2f}\n\n"
+    def build_narrative(self, risk_lv, score, er, u_bal, exp, inc, action, desc, cid, u_txn):
+        # FASE 6: EXPLAINABLE SUMMARY [cite: 294-297]
+        txt = f"### LAPORAN ANALISIS EKSEKUTIF: {risk_lv} RISK\n\n"
+        txt = f"**Interpretasi Skor:**\nNasabah **{cid}** memiliki skor risiko **{score:.2f}**. "
+        txt += f"Artinya, dari kacamata bank, nasabah ini memiliki tingkat resiliensi **{risk_lv.lower()}**. "
         
-        txt += f"**1. Mengapa Level Ini?**\n"
-        txt += f"* **Rasio Pengeluaran ({er:.1%})**: Anda menghabiskan Rp{exp:,.0f} dari pendapatan Rp{inc:,.0f}. "
-        txt += "Rasio di atas 80% sangat kritis." if er > 0.8 else "Angka ini menunjukkan manajemen yang sehat."
+        txt += f"\n\n**Analisis Data Riil:**\n"
+        txt += f"* **Expense Ratio ({er:.1%})**: Nasabah menghabiskan Rp{exp:,.0f} dari pendapatan Rp{inc:,.0f}. "
+        txt += "Angka ini menunjukkan pengeluaran yang melebihi pendapatan (defisit)." if er > 1 else "Manajemen belanja masih terkendali."
         
         if not u_bal.empty:
-            txt += f"\n* **Analisis Saldo**: Saldo saat ini Rp{u_bal.iloc[-1]['avg_balance']:,.0f}. "
-            txt += "Tren saldo sedang menurun (Drawdown)." if len(u_bal) > 1 and u_bal.iloc[-1]['avg_balance'] < u_bal.iloc[-2]['avg_balance'] else "Pertumbuhan saldo positif."
+            txt += f"\n* **Analisis Saldo**: Saldo rata-rata terakhir Rp{u_bal.iloc[-1]['avg_balance']:,.0f}. "
+            txt += "Tren saldo sedang menurun, waspadai penarikan dana besar secara konstan." if len(u_bal) > 1 and u_bal.iloc[-1]['avg_balance'] < u_bal.iloc[-2]['avg_balance'] else "Pertumbuhan saldo terpantau stabil."
 
         txt += f"\n\n<div class='nbo-box'>REKOMENDASI TINDAKAN (NBO): {action}\n\n"
-        txt += f"**Langkah Implementasi:**\n"
-        for i, s in enumerate(steps, 1): txt += f"{i}. {s}\n"
-        txt += f"</div>"
+        txt += f"**Maksud & Tujuan:** {desc}\n\n"
+        txt += f"**Langkah Implementasi:** Hubungi nasabah via aplikasi Nagari Mobile untuk menawarkan program asistensi keuangan atau penawaran produk relevan.</div>"
         return txt
 
-    def create_viz(self, u_bal, u_txn):
-        # 1. Cashflow
+    def create_plots(self, u_bal, u_txn):
+        # 1. Cashflow (Inflow vs Outflow) 
         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 (Light Blue)', marker_color='#82C3EB'))
-        f1.add_trace(go.Bar(x=cf.index, y=cf.get('debit', 0), name='Pengeluaran (Deep Blue)', marker_color='#0514DE'))
-        f1.update_layout(title="Arus Kas Bulanan", barmode='group', template='plotly_white')
+        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="Laporan Arus Kas Bulanan", barmode='group', template='plotly_white')
 
-        # 2. Tren Saldo
+        # 2. Tren Saldo [cite: 301]
         f2 = go.Figure()
-        f2.add_trace(go.Scatter(x=u_bal['month'], y=u_bal['avg_balance'], name='Rata-rata Saldo', line=dict(color='#F7BD87', width=4)))
+        f2.add_trace(go.Scatter(x=u_bal['month'], y=u_bal['avg_balance'], name='Saldo Rata-rata', line=dict(color='#F7BD87', width=4)))
         f2.update_layout(title="Kesehatan Pertumbuhan Saldo", template='plotly_white')
         
-        # 3. FIXED Pie Chart: Explicit Color Mapping 
+        # 3. FIXED Pie Chart 
         exp_dist = u_txn[u_txn['transaction_type'] == 'debit'].groupby('expense_type')['amount'].sum().reset_index()
-        color_map = {'essential': '#0514DE', 'discretionary': '#F7BD87'} # Biru=Essential, Emas=Disc
-        
+        # Mapping Warna: Blue=Essential, Gold=Discretionary
+        color_map = {'essential': '#05A4DE', 'discretionary': '#F7BD87'}
         f3 = go.Figure(data=[go.Pie(
             labels=exp_dist['expense_type'], 
             values=exp_dist['amount'], 
             hole=.4,
-            marker=dict(colors=[color_map[x] for x in exp_dist['expense_type']])
+            marker=dict(colors=[color_map.get(x, '#E0EDF4') for x in exp_dist['expense_type']])
         )])
-        f3.update_layout(title="Komposisi Gaya Hidup vs Kebutuhan")
+        f3.update_layout(title="Komposisi Pengeluaran (Gaya Hidup vs Kebutuhan)")
         
         return f1, f2, f3
 
 # --- UI LOGIC ---
-engine = ArchonPrecisionEngine()
+engine = ArchonPlatinumEngine()
 
 def run_app(cust_id):
     res = engine.analyze(cust_id)
-    if not res: return "❌ ID Tidak Valid", "Gunakan C0001 - C0120", None, None, None
+    if not res: return "## ❌ ID Tidak Valid", "Mohon gunakan ID C0001 - C0120", None, None, None
     
-    risk_lv, score, er, u_bal, u_txn, exp, inc, action, desc, steps, er_s, bt_s, od_s, mp_s = res
-    report = engine.build_report(risk_lv, score, er, u_bal, exp, inc, action, desc, steps, cust_id, u_txn)
-    p1, p2, p3 = engine.create_viz(u_bal, u_txn)
+    risk_lv, score, er, u_bal, u_txn, exp, inc, action, desc, bt_s, od_s, mp_s = res
+    report = engine.build_narrative(risk_lv, score, er, u_bal, exp, inc, action, desc, cust_id, u_txn)
+    p1, p2, p3 = engine.create_plots(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: #0514DE; margin:0;'>Archon Quick Look</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</div>
-        <div class='health-badge'><b>Score:</b> {score:.2f} / 1.00</div>
-        <div class='health-badge'><b>ER:</b> {er:.1%} {'⚠️' if er > 0.8 else '✔️'}</div>
-        <div class='health-badge'><b>Trend:</b> {'🔻 Turun' if bt_s == 1 else '🔺 Stabil'}</div>
+    <div class='sidebar-nagari'>
+        <h2 style='color: #05A4DE; margin:0;'>Dashboard Ringkasan</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>Risk Score:</b> {score:.2f} / 1.00</div>
+        <div class='health-badge'><b>Expense Ratio:</b> {er:.1%} {'⚠️' if er > 0.8 else '✔️'}</div>
+        <div class='health-badge'><b>Balance Trend:</b> {'🔻 Turun' if bt_s == 1 else '🔺 Stabil'}</div>
     </div>
     """
     return sidebar, report, p1, p2, p3
@@ -176,15 +192,13 @@ with gr.Blocks(css=custom_css) as demo:
                 with gr.Tab("Visual Analytics"):
                     gr.Markdown("### 1. Inflow vs Outflow")
                     plot_cf = gr.Plot()
-                    gr.HTML("<div class='viz-explanation'><b>Arus Kas:</b> Batang muda (Pemasukan) harus lebih tinggi dari batang tua (Pengeluaran).</div>")
                     gr.Markdown("---")
-                    gr.Markdown("### 2. Tren Saldo")
+                    gr.Markdown("### 2. Tren Pertumbuhan Saldo")
                     plot_bal = gr.Plot()
-                    gr.HTML("<div class='viz-explanation'><b>Resiliensi:</b> Garis naik menunjukkan nasabah kuat menghadapi krisis.</div>")
                     gr.Markdown("---")
                     gr.Markdown("### 3. Gaya Hidup (Essential vs Discretionary)")
                     plot_dist = gr.Plot()
-                    gr.HTML("<div class='viz-explanation'><b>Warna:</b> Biru = Kebutuhan Pokok (Essential). Emas = Gaya Hidup (Discretionary).</div>")
+                    gr.HTML("<div style='background:#f1f5f9; padding:15px; border-radius:8px;'><b>Warna:</b> Biru = Kebutuhan Pokok (Essential). Emas = Gaya Hidup (Discretionary).</div>")
 
     btn.click(fn=run_app, inputs=id_in, outputs=[out_side, out_report, plot_cf, plot_bal, plot_dist])