refactor: Rename main engine class, refine financial analysis logic and NBO recommendations with added steps, update narrative generation, and simplify visualizations.

app.py

@@ -13,25 +13,15 @@ client_ai = genai.Client(api_key=GOOGLE_API_KEY) if GOOGLE_API_KEY else None
 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); 
-}
+.nagari-header { background: linear-gradient(135deg, #05A4DE 0%, #82C3EB 100%); padding: 35px; border-radius: 15px; border-bottom: 6px solid #F7BD87; text-align: center; margin-bottom: 25px; }
+.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, 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:
+class ArchonFinalEngine:
     def __init__(self):
         self.load_data()
 
@@ -48,72 +38,79 @@ class ArchonMasterEngine:
         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]
+        u_info_list = 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]
+        if u_txn.empty or u_info_list.empty: return None
+        u_info = u_info_list.iloc[0]
 
-        # --- FASE 2: INTELLIGENCE (Keyword Mapping) ---
-        # Memisahkan Kebutuhan (Essential) vs Gaya Hidup (Discretionary)
-        essential_keywords = ['indomaret', 'alfamart', 'pdam', 'listrik', 'cicilan', 'pinjaman', 'bill', 'gaji', 'atm', 'grocer', 'sekolah', 'rs ', 'obat']
-        
+        # --- FASE 2: TRANSACTION INTELLIGENCE (Semantic) ---
+        essential_list = ['indomaret', 'alfamart', 'listrik', 'pdam', 'telkom', 'sekolah', 'rs ', 'obat', 'cicilan', 'pinjaman', 'gaji', 'asuransi']
         def classify_exp(row):
             desc = str(row.get('raw_description', '')).lower()
-            if any(k in desc for k in essential_keywords): return 'essential'
-            return 'discretionary'
-
+            return 'essential' if any(k in desc for k in essential_list) else 'discretionary'
         u_txn['expense_type'] = u_txn.apply(classify_exp, axis=1)
 
-        # --- FASE 3 & 4: RISK SCORING (STRICT 30/20/20/20/10) ---
-        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 = exp_total / ref_inc if ref_inc > 0 else 1.0
+        # --- FASE 3 & 4: RISK SCORING (STRICT COMPLIANCE) ---
+        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
         
+        # Scoring Rules
         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
+        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")
+        
+        # Classification (Sesuai dokumen)
+        if score >= 0.7: risk_lv = "HIGH"
+        elif score >= 0.4: risk_lv = "MEDIUM"
+        else: risk_lv = "LOW"
 
         # --- FASE 5: NBO ENGINE (Customer Oriented) ---
         if risk_lv == "HIGH" or mp_s == 1:
             action = "Evaluasi Cicilan & Restrukturisasi"
             nbo_msg = "Untuk membantu meringankan beban finansial, Bapak/Ibu dapat mengajukan perpanjangan tenor atau penyesuaian jadwal pembayaran cicilan."
+            steps = ["Ajukan peninjauan tenor pinjaman", "Konsolidasi tagihan harian", "Manfaatkan konsultasi dana darurat."]
         elif er > 0.6:
             action = "Pengaturan Limit Belanja (Spending Control)"
             nbo_msg = "Kami mendeteksi pengeluaran bulanan yang cukup tinggi. Bapak/Ibu disarankan mengaktifkan fitur limit transaksi QRIS untuk menjaga tabungan."
+            steps = ["Atur limit harian belanja", "Aktifkan notifikasi saldo minimum", "Prioritaskan kebutuhan pokok (Essential)."]
         elif risk_lv == "LOW":
             action = "Pengembangan Aset (Saving/Investment)"
             nbo_msg = "Kondisi keuangan Bapak/Ibu sangat prima. Ini waktu yang tepat untuk menanamkan dana mengendap ke Deposito atau Tabungan Berjangka."
+            steps = ["Buka tabungan berjangka otomatis", "Pindahkan dana ke deposito bunga tinggi", "Eksplorasi produk reksa dana."]
         else:
             action = "Edukasi Pengelolaan Kas"
             nbo_msg = "Mari optimalkan arus kas harian Bapak/Ibu dengan fitur budgeting di aplikasi mobile kami agar resiliensi tetap terjaga."
+            steps = ["Baca artikel cerdas belanja", "Gunakan fitur budgeting di aplikasi", "Review pengeluaran akhir bulan."]
 
-        return risk_lv, score, er, u_bal, u_txn, exp_total, ref_inc, action, nbo_msg, er_s, bt_s, od_s, mp_s
+        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 get_report(self, risk_lv, score, er, u_bal, exp, inc, action, nbo_msg, cid, u_txn):
-        # FASE 6: EXPLAINABLE NARRATIVE
-        txt = f"### ANALISIS RESILIENSI FINANSIAL: {risk_lv}\n\n"
-        txt += f"Halo Bapak/Ibu, sistem Archon telah meninjau riwayat transaksi Anda ({cid}) dengan hasil sebagai berikut:\n\n"
+    def build_narrative(self, risk_lv, score, er, u_bal, exp, inc, action, nbo_msg, steps, cid, u_txn):
+        # FASE 6: EXPLAINABLE SUMMARY (NARRATIVE)
+        msg = f"### ANALISIS RESILIENSI FINANSIAL ANDA\n\n"
+        msg += f"Halo Bapak/Ibu, berdasarkan tinjauan transaksi Anda ({cid}), sistem kami menetapkan tingkat kesehatan finansial Anda pada kategori **{risk_lv}** (Skor: {score:.2f}).\n\n"
         
-        txt += f"**1. Mengapa Level Risiko Saya {risk_lv}?**\n"
-        txt += f"* **Rasio Belanja ({er:.1%})**: Anda menghabiskan Rp{exp:,.0f} dari pendapatan Rp{inc:,.0f}. "
-        txt += "Rasio di atas 80% menunjukkan bahwa hampir seluruh pendapatan terpakai habis, yang berisiko jika ada kebutuhan darurat." if er > 0.8 else "Angka ini menunjukkan kontrol belanja yang sangat sehat."
+        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 += "Artinya, Bapak/Ibu membelanjakan lebih banyak dari yang diterima. Ini mengindikasikan penggunaan dana tabungan untuk konsumsi harian." if er > 1 else "Manajemen belanja Anda terpantau sehat."
         
         if not u_bal.empty:
-            txt += f"\n* **Analisis Saldo**: Saldo rata-rata Anda Rp{u_bal.iloc[-1]['avg_balance']:,.0f}. "
-            txt += "Terdeteksi tren saldo menurun, yang berarti Bapak/Ibu mulai menggunakan dana cadangan untuk biaya hidup harian." if len(u_bal) > 1 and u_bal.iloc[-1]['avg_balance'] < u_bal.iloc[-2]['avg_balance'] else "Saldo Anda tumbuh dengan stabil dan aman."
+            msg += f"\n* **Analisis Saldo**: Saldo saat ini Rp{u_bal.iloc[-1]['avg_balance']:,.0f}. "
+            msg += "Terdeteksi tren penurunan saldo rata-rata, 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."
 
-        txt += f"\n\n<div class='nbo-box'>REKOMENDASI UNTUK ANDA: {action}\n\n"
-        txt += f"**Saran Kami:** {nbo_msg}\n\n"
-        txt += f"**Tujuan:** Agar resiliensi (daya tahan) keuangan Bapak/Ibu tetap kuat menghadapi fluktuasi ekonomi di masa depan.</div>"
-        return txt
+        msg += f"\n\n<div class='nbo-box'>REKOMENDASI UNTUK ANDA: {action}\n\n"
+        msg += f"**Tujuan:** {nbo_msg}\n\n"
+        msg += f"**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. Arus Kas
+        # 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()
@@ -130,58 +127,51 @@ class ArchonMasterEngine:
         )])
         f2.update_layout(title="Komposisi Pengeluaran (Kebutuhan vs Gaya Hidup)")
         
-        # 3. Tren Saldo
-        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
+        return f1, f2
 
 # --- UI LOGIC ---
-engine = ArchonMasterEngine()
+engine = ArchonFinalEngine()
 
-def process(cust_id):
+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", "Gunakan C0001 - C0120", None, None
     
-    risk_lv, score, er, u_bal, u_txn, exp, inc, action, nbo_msg, er_s, bt_s, od_s, mp_s = res
-    report = engine.get_report(risk_lv, score, er, u_bal, exp, inc, action, nbo_msg, 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, 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 = 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;'>Ringkasan AI</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>
+        <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>Indikator Saldo:</b> {'🔻 Menurun' if bt_s == 1 else '🔺 Stabil'}</div>
-        <div class='health-badge'><b>Gaya Hidup:</b> {'⚠️ Boros' if er > 0.8 else '✔️ Aman'}</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
+    return sidebar, report, p1, p2
 
 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")
+            btn = gr.Button("ANALYISIS SEKARANG", variant="primary")
             out_side = gr.HTML()
         with gr.Column(scale=2):
             with gr.Tabs():
-                with gr.Tab("Laporan Naratif"):
+                with gr.Tab("Laporan Untuk Anda"):
                     out_report = gr.Markdown(elem_classes="report-card")
-                with gr.Tab("Analisis Visual"):
-                    gr.Markdown("### 1. Inflow vs Outflow")
+                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) harus lebih tinggi dari batang tua (Outflow) untuk menjaga saldo tetap aman.</div>")
                     gr.Markdown("---")
-                    gr.Markdown("### 2. Komposisi Gaya Hidup")
+                    gr.Markdown("### 2. Ke mana Uang Anda Pergi?")
                     plot_dist = gr.Plot()
-                    gr.HTML("<div style='background:#f1f5f9; padding:15px; border-radius:8px;'><b>Keterangan:</b> Biru = Kebutuhan Pokok (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>Warna:</b> Biru = Kebutuhan (Essential). Emas = Gaya Hidup (Discretionary).</div>")
 
-    btn.click(fn=process, inputs=id_in, outputs=[out_side, out_report, plot_cf, plot_dist, plot_bal])
+    btn.click(fn=run_app, inputs=id_in, outputs=[out_side, out_report, plot_cf, plot_dist])
 
 demo.launch()