feat: Enhance Gemini client initialization, refine deterministic explanation and NBO prompts, update UI styling, and improve data loading robustness

app.py

@@ -5,53 +5,47 @@ import gradio as gr
 import plotly.graph_objects as go
 from google import genai
 
-# --- CONFIG AI STUDIO 2026 ---
+# --- KONFIGURASI GENERATIVE AI (GEMINI 2026) ---
 GOOGLE_API_KEY = os.getenv("GOOGLE_API_KEY")
-# Inisialisasi client dengan penanganan error jika API Key tidak valid
-try:
-    client_gemini = genai.Client(api_key=GOOGLE_API_KEY)
-except:
-    client_gemini = None
-
-# --- PALETTE & STYLING (NAGARI LIGHT BLUE) ---
-# Primary Blue: #0514DE, Light Blue: #82C3EB, Pale: #E0EDF4, Gold: #F7BD87, White: #FFFFFF
+# Inisialisasi client dengan proteksi
+client_ai = None
+if GOOGLE_API_KEY:
+    try:
+        client_ai = genai.Client(api_key=GOOGLE_API_KEY)
+    except Exception as e:
+        print(f"Gemini Init Error: {e}")
+
+# --- PALET WARNA BANK NAGARI & CSS ---
+# Blue: #0514DE, Light Blue: #82C3EB, Gold: #F7BD87, White: #FFFFFF
 custom_css = """
 @import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;600;700&display=swap');
 body, .gradio-container { font-family: 'Plus Jakarta Sans', sans-serif !important; background-color: #FFFFFF !important; }
 
 .nagari-header { 
     background: linear-gradient(135deg, #0514DE 0%, #82C3EB 100%); 
-    color: #FFFFFF !important; 
-    padding: 30px; 
+    padding: 35px; 
     border-radius: 15px; 
     border-bottom: 6px solid #F7BD87; 
     margin-bottom: 25px; 
-    text-align: center; 
+    text-align: center;
+    box-shadow: 0 10px 15px -3px rgba(5, 20, 222, 0.2);
 }
 
 .report-card { 
     background: #FFFFFF; 
     border-radius: 15px; 
     padding: 25px; 
-    border: 1px solid #82C3EB; 
-    box-shadow: 0 10px 15px -3px rgba(5, 20, 222, 0.1);
-    line-height: 1.7;
+    border: 1px solid #E0EDF4; 
+    box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
+    line-height: 1.8;
 }
 
-.status-box { 
+.status-card { 
     background: #E0EDF4; 
     padding: 20px; 
     border-radius: 12px; 
     border-left: 8px solid #0514DE; 
-    margin-bottom: 20px; 
-}
-
-.badge { 
-    padding: 6px 15px; 
-    border-radius: 20px; 
-    color: white; 
-    font-weight: bold; 
-    font-size: 0.9em; 
+    margin-bottom: 20px;
 }
 """
 
@@ -60,12 +54,16 @@ class ArchonFinalNagari:
         self.load_data()
 
     def load_data(self):
-        # Proteksi maksimal terhadap error ID (C0014, dll)
-        # Menggunakan 'df.copy()' untuk menghindari setting-with-copy warning
-        self.df_txn = pd.read_csv('transactions.csv', parse_dates=['date']).fillna("Transaksi")
-        self.df_cust = pd.read_csv('customers.csv').fillna(0)
-        self.df_bal = pd.read_csv('balances_revised.csv', parse_dates=['month']).fillna(0)
-        self.df_rep = pd.read_csv('repayments_revised.csv', parse_dates=['due_date']).fillna("on_time")
+        # Proteksi loading file agar tidak error di semua ID
+        try:
+            self.df_txn = pd.read_csv('transactions.csv').fillna("Umum")
+            self.df_txn['date'] = pd.to_datetime(self.df_txn['date'])
+            self.df_cust = pd.read_csv('customers.csv').fillna(0)
+            self.df_bal = pd.read_csv('balances_revised.csv').fillna(0)
+            self.df_bal['month'] = pd.to_datetime(self.df_bal['month'])
+            self.df_rep = pd.read_csv('repayments_revised.csv').fillna("on_time")
+        except Exception as e:
+            print(f"CRITICAL DATA ERROR: {e}")
 
     def analyze_logic(self, customer_id):
         cid = str(customer_id).strip().upper()
@@ -78,9 +76,8 @@ class ArchonFinalNagari:
 
         u_info = u_info_df.iloc[0]
 
-        # --- FASE 4: RISK SCORING (DETERMINISTIC) ---
+        # --- FASE 4: DETERMINISTIC SCORE ---
         income_txn = u_txn[u_txn['transaction_type'] == 'credit']['amount'].sum()
-        # Perbaikan logic ratio: Gunakan gaji bulanan jika mutasi kosong
         ref_income = max(income_txn, u_info['monthly_income'])
         expense = u_txn[u_txn['transaction_type'] == 'debit']['amount'].sum()
         er = min(expense / ref_income, 1.0) if ref_income > 0 else 1.0
@@ -95,114 +92,116 @@ class ArchonFinalNagari:
         
         return risk_lv, score, er, u_bal, u_txn, expense, ref_income
 
-    def get_deterministic_report(self, risk_lv, score, er, u_bal, expense, income):
-        # Backup Advisor: Penjelasan Adaptif Berbasis Data (Anti-Template)
-        msg = f"### 📑 HASIL AUDIT ARCHON ({risk_lv})\n"
-        msg += f"Berdasarkan analisis bobot Fase 4 (Risk Scoring), Bapak/Ibu memiliki skor resiliensi **{score:.2f}**.\n\n"
+    def get_deterministic_explanation(self, risk_lv, score, er, u_bal, expense, income):
+        # Laporan Audit Adaptif (Fase 6) - Selalu muncul sebagai backup utama
+        msg = f"### 📑 LAPORAN AUDIT RESILIENSI\n"
+        msg += f"Berdasarkan parameter perbankan, tingkat resiliensi Anda berada pada kategori **{risk_lv}** (Skor: {score:.2f}).\n\n"
         
-        msg += f"**Analisis Arus Kas:**\n"
-        msg += f"- Pengeluaran aktual bulan ini sebesar Rp{expense:,.0f} ({er:.1%} dari total daya beli).\n"
-        if er > 0.8: msg += "- ⚠️ Pengeluaran melampaui batas aman perbankan. Segera tinjau pos pengeluaran lifestyle.\n"
-        else: msg += "- ✅ Struktur pengeluaran Anda masih dalam batas terkendali.\n\n"
+        msg += f"**Analisis Rasio Pengeluaran:**\n"
+        msg += f"- Total belanja Anda tercatat Rp{expense:,.0f} dari basis pendapatan Rp{income:,.0f}.\n"
+        msg += f"- Rasio pengeluaran Anda adalah **{er:.1%}**. "
+        if er > 0.8: msg += "Ini merupakan sinyal merah (kritis), di mana pengeluaran hampir menghabiskan seluruh pendapatan harian."
+        else: msg += "Angka ini menunjukkan manajemen pengeluaran yang cukup terkendali."
         
-        latest_avg = u_bal.iloc[-1]['avg_balance'] if not u_bal.empty else 0
-        msg += f"**Analisis Saldo:**\n"
-        msg += f"- Saldo rata-rata saat ini Rp{latest_avg:,.0f}. "
+        latest_bal = u_bal.iloc[-1]['avg_balance'] if not u_bal.empty else 0
+        msg += f"\n\n**Analisis Kesehatan Saldo:**\n"
+        msg += f"- Saldo rata-rata terakhir Anda: Rp{latest_avg:,.0f}.\n"
         if len(u_bal) > 1 and latest_avg < u_bal.iloc[-2]['avg_balance']:
-            msg += "Terdeteksi tren penurunan saldo dibanding periode sebelumnya."
-        else:
-            msg += "Pertumbuhan saldo terpantau stabil."
+            msg += "- Terdeteksi tren penurunan saldo bulanan. Disarankan untuk menjaga saldo minimum tetap di atas batas kritis."
+        else: msg += "- Pertumbuhan saldo Anda terpantau stabil dan positif."
             
         return msg
 
-    def get_llm_advice(self, risk_lv, er, cust_id, u_txn):
+    def get_gemini_nbo(self, risk_lv, er, cust_id, u_txn):
         # FASE 5: NBO GENERATIVE (GEMINI)
-        if not client_gemini: return None
+        if not client_ai: return None
         merchants = u_txn.tail(3)['raw_description'].tolist()
+        
         prompt = f"""
-        Identitas: Senior Banker Bank Nagari. 
-        Analisis Nasabah {cust_id}: Risiko {risk_lv}, Pengeluaran {er:.1%}.
-        Transaksi Terakhir: {merchants}.
-        Berikan saran finansial yang sangat hangat, empatik, dan SANGAT PERSONAL dalam Bahasa Indonesia. 
-        Hubungkan saran Anda dengan transaksi terakhir mereka di {merchants[0] if merchants else 'merchant'}. 
-        Gunakan sapaan Bapak/Ibu. Maksimal 3 kalimat pendek.
+        Identitas: Penasihat Keuangan Virtual Bank Nagari. 
+        Nasabah {cust_id}: Risiko {risk_lv}, Pengeluaran {er:.1%}.
+        Transaksi terakhir di: {merchants}.
+        Tugas: Beri saran finansial yang personal, hangat, dan solutif untuk Bapak/Ibu. 
+        Jangan gunakan kata 'Nasabah'. Hubungkan saran Anda dengan transaksi terakhir mereka. 
+        Gunakan gaya bahasa profesional namun empatik. Maksimal 3 kalimat.
         """
         try:
-            resp = client_gemini.models.generate_content(model="gemini-1.5-flash", contents=prompt)
-            return resp.text
-        except:
+            response = client_ai.models.generate_content(model="gemini-1.5-flash", contents=prompt)
+            return response.text
+        except Exception as e:
+            print(f"Gemini Call Error: {e}")
             return None
 
     def create_viz(self, u_bal, u_txn):
-        # Plot 1: Cashflow (Fase 6)
+        # Arus Kas
         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)
         fig1 = go.Figure()
-        fig1.add_trace(go.Bar(x=cf.index, y=cf.get('credit', 0), name='Inflow', marker_color='#82C3EB'))
-        fig1.add_trace(go.Bar(x=cf.index, y=cf.get('debit', 0), name='Outflow', marker_color='#0514DE'))
-        fig1.update_layout(title="Arus Kas Masuk & Keluar", barmode='group', template='plotly_white')
+        fig1.add_trace(go.Bar(x=cf.index, y=cf.get('credit', 0), name='Pemasukan', marker_color='#82C3EB'))
+        fig1.add_trace(go.Bar(x=cf.index, y=cf.get('debit', 0), name='Pengeluaran', marker_color='#0514DE'))
+        fig1.update_layout(title="Analisis Arus Kas", barmode='group', template='plotly_white')
 
-        # Plot 2: Balance History
+        # Saldo
         fig2 = go.Figure()
         fig2.add_trace(go.Scatter(x=u_bal['month'], y=u_bal['avg_balance'], name='Rata-rata Saldo', line=dict(color='#F7BD87', width=4)))
-        fig2.update_layout(title="Grafik Pertumbuhan Saldo", template='plotly_white')
+        fig2.update_layout(title="Tren Pertumbuhan Tabungan", template='plotly_white')
         return fig1, fig2
 
-# --- UI LOGIC ---
+# --- UI EXECUTION ---
 engine = ArchonFinalNagari()
 
-def execute(cust_id):
+def run_archon(cust_id):
     res = engine.analyze_logic(cust_id)
-    if not res: return "## ⚠️ Nasabah Tidak Ditemukan", "Cek kembali Customer ID Anda.", None, None
+    if not res: return "## ❌ Data ID Tidak Ditemukan", "Mohon gunakan ID yang valid (C0001 - C0120).", None, None
     
     risk_lv, score, er, u_bal, u_txn, exp, inc = res
-    audit_report = engine.get_deterministic_report(risk_lv, score, er, u_bal, exp, inc)
-    ai_advice = engine.get_llm_advice(risk_lv, er, cust_id, u_txn)
+    audit_report = engine.get_deterministic_explanation(risk_lv, score, er, u_bal, exp, inc)
+    ai_advice = engine.get_gemini_nbo(risk_lv, er, cust_id, u_txn)
     p1, p2 = engine.create_viz(u_bal, u_txn)
     
-    # GABUNGKAN DALAM SATU PANEL (Audit + LLM)
-    final_output = audit_report
+    # INTEGRASI LAPORAN (Audit + Gemini)
+    final_report = audit_report
     if ai_advice:
-        final_output += f"\n\n---\n**💡 SARAN VIRTUAL ADVISOR (AI):**\n{ai_advice}"
+        final_report += f"\n\n---\n**💡 SARAN VIRTUAL ADVISOR (AI):**\n{ai_advice}"
     else:
-        final_report += f"\n\n---\n*Koneksi AI Advisor sedang tidak stabil. Menggunakan laporan audit internal.*"
+        final_report += f"\n\n---\n*Saran Virtual Advisor saat ini sedang dalam sinkronisasi sistem perbankan.*"
     
-    # Status Badge
     color = "#ef4444" if risk_lv == "HIGH" else ("#f59e0b" if risk_lv == "MEDIUM" else "#10b981")
     status_html = f"""
-    <div class='status-box'>
-        <h2 style='color: #0514DE; margin:0;'>Archon Analysis Result</h2>
-        <span class='badge' style='background:{color}'>{risk_lv} RISK LEVEL</span>
+    <div class='status-card'>
+        <h2 style='color: #0514DE; margin:0;'>Hasil Analisis Perilaku</h2>
+        <span style='background:{color}; padding:5px 15px; border-radius:20px; color:white; font-weight:bold; font-size:0.9em;'>{risk_lv} RISK</span>
         <p style='margin-top:15px;'><b>Risk Score:</b> {score:.2f} | <b>Expense Ratio:</b> {er:.1%}</p>
     </div>
     """
-    return status_html, final_output, p1, p2
+    return status_html, final_report, p1, p2
 
 with gr.Blocks(css=custom_css) as demo:
-    gr.HTML("""
+    # Header dengan teks putih dan tebal
+    gr.HTML(f"""
     <div class='nagari-header'>
-        <h1 style='margin:0; font-weight:700;'>🛡️ **ARCHON-AI**: BANK NAGARI</h1>
-        <p style='margin:0; opacity:0.9;'>Sistem Intelijen Resiliensi Finansial & Manajemen Risiko</p>
+        <h1 style='color: white !important; font-weight: 800; margin: 0;'>🛡️ **ARCHON-AI**: BANK NAGARI</h1>
+        <p style='color: white !important; margin: 5px 0 0 0; opacity: 0.9;'>Platform Intelijen Risiko & Resiliensi Finansial</p>
     </div>
     """)
     
     with gr.Row():
         with gr.Column(scale=1):
-            id_in = gr.Textbox(label="Input Customer ID", placeholder="C0001 - C0120")
-            btn = gr.Button("ANALYZE CUSTOMER", variant="primary")
+            id_in = gr.Textbox(label="Customer ID", placeholder="C0001")
+            btn = gr.Button("MULAI ANALISIS", variant="primary")
             out_status = gr.HTML()
             gr.Markdown("---")
-            gr.Markdown("ℹ️ **Audit Info**: Analisis dilakukan secara hibrida menggunakan data mutasi rekening dan profil pendapatan bulanan nasabah.")
+            gr.Markdown("ℹ️ **Info Auditor**: Laporan ini menggabungkan data mutasi real-time dengan profil historis nasabah.")
         
         with gr.Column(scale=2):
             with gr.Tabs():
-                with gr.TabItem("Analysis Summary"):
+                with gr.TabItem("Audit Report"):
                     out_report = gr.Markdown(elem_classes="report-card")
                 with gr.TabItem("Cashflow Charts"):
                     plot_cf = gr.Plot()
-                with gr.TabItem("Balance History"):
+                with gr.TabItem("Saving History"):
                     plot_bal = gr.Plot()
 
-    btn.click(fn=execute, inputs=id_in, outputs=[out_status, out_report, plot_cf, plot_bal])
+    btn.click(fn=run_archon, inputs=id_in, outputs=[out_status, out_report, plot_cf, plot_bal])
 
 demo.launch()