refactor: Consolidate reporting logic into a hybrid report, integrate a text classification pipeline, and streamline AI client initialization and data loading.

app.py

@@ -4,21 +4,17 @@ import numpy as np
 import gradio as gr
 import plotly.graph_objects as go
 from google import genai
+from transformers import pipeline
 
-# --- KONFIGURASI GENERATIVE AI (GEMINI 2026) ---
+# --- INITIALIZATION ---
 GOOGLE_API_KEY = os.getenv("GOOGLE_API_KEY")
-# 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
+# SDK 2026: Menggunakan client google-genai
+ai_client = genai.Client(api_key=GOOGLE_API_KEY) if GOOGLE_API_KEY else None
+
+# --- STYLING: BANK NAGARI LIGHT BLUE THEME ---
+# Palette: #0514DE (Blue), #82C3EB (Light Blue), #F7BD87 (Gold), #FFFFFF (White)
 custom_css = """
-@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;600;700&display=swap');
+@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 { 
@@ -31,16 +27,24 @@ body, .gradio-container { font-family: 'Plus Jakarta Sans', sans-serif !importan
     box-shadow: 0 10px 15px -3px rgba(5, 20, 222, 0.2);
 }
 
+/* Memastikan teks ARCHON-AI Bold & Putih */
+.nagari-header h1 { 
+    color: #FFFFFF !important; 
+    font-weight: 800 !important; 
+    margin: 0; 
+    letter-spacing: 1px;
+}
+
 .report-card { 
     background: #FFFFFF; 
-    border-radius: 15px; 
+    border-radius: 12px; 
     padding: 25px; 
     border: 1px solid #E0EDF4; 
-    box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
+    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.05);
     line-height: 1.8;
 }
 
-.status-card { 
+.status-badge { 
     background: #E0EDF4; 
     padding: 20px; 
     border-radius: 12px; 
@@ -49,23 +53,27 @@ body, .gradio-container { font-family: 'Plus Jakarta Sans', sans-serif !importan
 }
 """
 
-class ArchonFinalNagari:
+class ArchonNagariEngine:
     def __init__(self):
         self.load_data()
+        # Model classifier di subfolder 'archon_v1'
+        try:
+            self.classifier = pipeline("text-classification", model="archon_v1")
+        except:
+            self.classifier = None
 
     def load_data(self):
-        # 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'])
+            # Load dari direktori utama
+            self.df_txn = pd.read_csv('transactions.csv', parse_dates=['date']).fillna("Umum")
             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")
+            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")
         except Exception as e:
-            print(f"CRITICAL DATA ERROR: {e}")
+            print(f"Data Loading Error: {e}")
 
     def analyze_logic(self, customer_id):
+        # Sanitasi 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')
@@ -76,12 +84,13 @@ class ArchonFinalNagari:
 
         u_info = u_info_df.iloc[0]
 
-        # --- FASE 4: DETERMINISTIC SCORE ---
+        # --- FASE 4: DETERMINISTIC CALCULATION ---
         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 = min(expense / ref_income, 1.0) if ref_income > 0 else 1.0
         
+        # Risk Score Parameters (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[-2]['avg_balance'] else 0.0
         od_s = 1.0 if (u_bal['min_balance'] <= 0).any() else 0.0
@@ -92,116 +101,104 @@ class ArchonFinalNagari:
         
         return risk_lv, score, er, u_bal, u_txn, expense, ref_income
 
-    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"
+    def build_hybrid_report(self, risk_lv, score, er, u_bal, expense, income, cid, u_txn):
+        # 1. DETERMINISTIC ANALYST (Backup & Transparansi)
+        report = f"### 📑 HASIL AUDIT ARCHON-AI\n"
+        report += f"Berdasarkan analisis perilaku transaksi, Bapak/Ibu berada pada tingkat resiliensi **{risk_lv}**.\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."
+        report += f"**Analisis Metrik Riil:**\n"
+        report += f"- **Risk Score ({score:.2f})**: Angka ini mencerminkan stabilitas saldo harian dan kedisiplinan kewajiban cicilan. "
+        report += f"{ 'Skor di atas 0.7 menunjukkan urgensi perbaikan gaya hidup.' if score > 0.7 else 'Skor Anda stabil.' }\n"
         
-        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 bulanan. Disarankan untuk menjaga saldo minimum tetap di atas batas kritis."
-        else: msg += "- Pertumbuhan saldo Anda terpantau stabil dan positif."
-            
-        return msg
-
-    def get_gemini_nbo(self, risk_lv, er, cust_id, u_txn):
-        # FASE 5: NBO GENERATIVE (GEMINI)
-        if not client_ai: return None
-        merchants = u_txn.tail(3)['raw_description'].tolist()
+        report += f"- **Expense Ratio ({er:.1%})**: Anda mengalokasikan {er:.1%} dari total daya beli Rp{income:,.0f} untuk pengeluaran. "
+        report += f"{ 'Rasio di atas 80% menandakan risiko defisit kas.' if er > 0.8 else 'Rasio di bawah 50% adalah tanda kesehatan kas yang sangat baik.' }\n"
         
-        prompt = f"""
-        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:
-            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
+        if not u_bal.empty:
+            latest_avg = u_bal.iloc[-1]['avg_balance']
+            report += f"- **Kondisi Tabungan**: Saldo rata-rata Rp{latest_avg:,.0f}. "
+            report += "Grafik menunjukkan tren yang perlu diperhatikan." if len(u_bal) > 1 and latest_avg < u_bal.iloc[-2]['avg_balance'] else "Tren saldo tumbuh positif."
+        
+        # 2. VIRTUAL ADVISOR (GEMINI)
+        if ai_client:
+            last_merchants = u_txn.tail(2)['raw_description'].tolist()
+            prompt = f"""
+            Anda adalah Senior Virtual Advisor Bank Nagari. 
+            Nasabah {cid}: Risiko {risk_lv}, Expense {er:.1%}.
+            Belanja terakhir: {last_merchants}.
+            Berikan saran finansial yang sangat hangat, tidak kaku, dan personal (panggil Bapak/Ibu).
+            Hubungkan saran Anda dengan transaksi terakhir mereka. Maks 3 kalimat.
+            """
+            try:
+                # SDK 2026 Generate
+                response = ai_client.models.generate_content(model="gemini-1.5-flash", contents=prompt)
+                report += f"\n\n---\n**💡 SARAN VIRTUAL ADVISOR (AI):**\n{response.text}"
+            except:
+                report += f"\n\n---\n*Saran AI Advisor sedang dalam sinkronisasi. Sesuai data audit, prioritaskan efisiensi anggaran.*"
+        
+        return report
 
     def create_viz(self, u_bal, u_txn):
-        # Arus Kas
+        # Plot 1: Cashflow (Blue & Light Blue)
         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='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')
+        fig1.add_trace(go.Bar(x=cf.index, y=cf.get('credit', 0), name='Income', marker_color='#82C3EB'))
+        fig1.add_trace(go.Bar(x=cf.index, y=cf.get('debit', 0), name='Expense', marker_color='#0514DE'))
+        fig1.update_layout(title="Inflow vs Outflow", barmode='group', template='plotly_white')
 
-        # Saldo
+        # Plot 2: Balance History (Gold)
         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="Tren Pertumbuhan Tabungan", template='plotly_white')
+        fig2.add_trace(go.Scatter(x=u_bal['month'], y=u_bal['avg_balance'], name='Avg Balance', line=dict(color='#F7BD87', width=4)))
+        fig2.update_layout(title="Pertumbuhan Saldo", template='plotly_white')
         return fig1, fig2
 
 # --- UI EXECUTION ---
-engine = ArchonFinalNagari()
+engine = ArchonNagariEngine()
 
-def run_archon(cust_id):
+def run_analysis(cust_id):
     res = engine.analyze_logic(cust_id)
-    if not res: return "## ❌ Data ID Tidak Ditemukan", "Mohon gunakan ID yang valid (C0001 - C0120).", None, None
+    if not res: 
+        return "## ❌ Nasabah Tidak Ditemukan", "Cek kembali penulisan ID (C0001 - C0120).", None, None
     
     risk_lv, score, er, u_bal, u_txn, exp, inc = res
-    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)
+    hybrid_report = engine.build_hybrid_report(risk_lv, score, er, u_bal, exp, inc, cust_id, u_txn)
     p1, p2 = engine.create_viz(u_bal, u_txn)
     
-    # INTEGRASI LAPORAN (Audit + Gemini)
-    final_report = audit_report
-    if ai_advice:
-        final_report += f"\n\n---\n**💡 SARAN VIRTUAL ADVISOR (AI):**\n{ai_advice}"
-    else:
-        final_report += f"\n\n---\n*Saran Virtual Advisor saat ini sedang dalam sinkronisasi sistem perbankan.*"
-    
     color = "#ef4444" if risk_lv == "HIGH" else ("#f59e0b" if risk_lv == "MEDIUM" else "#10b981")
     status_html = f"""
-    <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 class='status-badge'>
+        <h2 style='color: #0514DE; margin:0;'>Archon Analysis Results</h2>
+        <div style='background:{color}; padding:5px 15px; border-radius:20px; color:white; font-weight:bold; display:inline-block; margin-top:10px;'>{risk_lv} RISK</div>
+        <p style='margin-top:15px; font-size:1.1em;'><b>Risk Score:</b> {score:.2f} | <b>Expense Ratio:</b> {er:.1%}</p>
     </div>
     """
-    return status_html, final_report, p1, p2
+    return status_html, hybrid_report, p1, p2
 
 with gr.Blocks(css=custom_css) as demo:
-    # Header dengan teks putih dan tebal
     gr.HTML(f"""
     <div class='nagari-header'>
-        <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>
+        <h1>🛡️ **ARCHON-AI**: BANK NAGARI</h1>
+        <p style='color: white !important; margin: 5px 0 0 0; opacity: 0.9;'>Platform Intelijen Risiko & Manajemen Resiliensi Keuangan</p>
     </div>
     """)
     
     with gr.Row():
         with gr.Column(scale=1):
             id_in = gr.Textbox(label="Customer ID", placeholder="C0001")
-            btn = gr.Button("MULAI ANALISIS", variant="primary")
+            btn = gr.Button("ANALYZE CUSTOMER", variant="primary")
             out_status = gr.HTML()
             gr.Markdown("---")
-            gr.Markdown("ℹ️ **Info Auditor**: Laporan ini menggabungkan data mutasi real-time dengan profil historis nasabah.")
+            gr.Markdown("ℹ️ **Info Auditor**: Skor ini menggabungkan data real-time saldo, cicilan, dan volatilitas belanja nasabah.")
         
         with gr.Column(scale=2):
             with gr.Tabs():
-                with gr.TabItem("Audit Report"):
+                with gr.TabItem("Hybrid Intelligence Report"):
                     out_report = gr.Markdown(elem_classes="report-card")
-                with gr.TabItem("Cashflow Charts"):
+                with gr.TabItem("Cashflow Insight"):
                     plot_cf = gr.Plot()
-                with gr.TabItem("Saving History"):
+                with gr.TabItem("Balance Trend"):
                     plot_bal = gr.Plot()
 
-    btn.click(fn=run_archon, inputs=id_in, outputs=[out_status, out_report, plot_cf, plot_bal])
+    btn.click(fn=run_analysis, inputs=id_in, outputs=[out_status, out_report, plot_cf, plot_bal])
 
 demo.launch()