update

app.py

@@ -6,47 +6,44 @@ import plotly.graph_objects as go
 from google import genai
 from transformers import pipeline
 
-# --- KONFIGURASI AI (SDK 2026) ---
+# --- AI SETUP ---
 GOOGLE_API_KEY = os.getenv("GOOGLE_API_KEY")
 client = genai.Client(api_key=GOOGLE_API_KEY)
 
-# --- STYLE CSS BANK NAGARI ---
+# --- STYLE BANK NAGARI (BIRU & EMAS) ---
 custom_css = """
 @import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;700&display=swap');
-.gradio-container { font-family: 'Inter', sans-serif !important; background-color: #f8fafc !important; }
-.nagari-header { background: linear-gradient(135deg, #800000 0%, #a52a2a 100%); color: white; padding: 25px; border-radius: 15px; border-bottom: 5px solid #FFD700; margin-bottom: 20px; }
-.risk-card { background: white; border-radius: 12px; padding: 20px; box-shadow: 0 4px 6px -1px rgb(0 0 0 / 0.1); border-top: 6px solid #800000; }
-.advice-box { background: #fffdf0; border-left: 5px solid #FFD700; padding: 15px; border-radius: 8px; }
+.gradio-container { font-family: 'Inter', sans-serif !important; background-color: #f1f5f9 !important; }
+.nagari-header { background: linear-gradient(135deg, #003366 0%, #004080 100%); color: white; padding: 25px; border-radius: 12px; border-bottom: 5px solid #FFD700; margin-bottom: 20px; text-align: center; }
+.card-nagari { background: white; border-radius: 12px; padding: 20px; box-shadow: 0 4px 15px rgba(0,0,0,0.05); border-left: 6px solid #FFD700; }
+.explanation-box { background: #e0f2fe; padding: 15px; border-radius: 8px; font-size: 0.9em; border: 1px solid #bae6fd; }
 """
 
 class ArchonNagariEngine:
     def __init__(self):
         self.load_data()
-        try:
-            self.classifier = pipeline("text-classification", model="archon_v1", tokenizer="archon_v1")
-        except:
-            self.classifier = None
+        try: self.classifier = pipeline("text-classification", model="archon_v1")
+        except: self.classifier = None
 
     def load_data(self):
-        # Fix Error C0014 dengan penanganan data kosong yang lebih agresif
+        # Fix C0014: fillna memastikan tidak ada crash saat kalkulasi statistik
         self.df_txn = pd.read_csv('transactions.csv', parse_dates=['date']).fillna({"raw_description": "Transaksi Umum"})
-        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")
 
-    def run_analysis(self, customer_id):
+    def analyze(self, customer_id):
         u_txn = self.df_txn[self.df_txn['customer_id'] == customer_id].copy()
         u_bal = self.df_bal[self.df_bal['customer_id'] == customer_id].sort_values('month')
         u_rep = self.df_rep[self.df_rep['customer_id'] == customer_id]
         
-        if u_txn.empty or u_bal.empty:
-            return None
+        if u_txn.empty or u_bal.empty: return None
 
-        # --- FASE 4: RISK SCORING ---
+        # --- FASE 4: RISK SCORING (WEIGHTED) ---
         income = u_txn[u_txn['transaction_type'] == 'credit']['amount'].sum()
         expense = u_txn[u_txn['transaction_type'] == 'debit']['amount'].sum()
-        er = expense / income if income > 0 else 1.2
+        er = expense / income if income > 0 else 1.1
         
+        # Scoring berdasarkan Bobot Manajemen
         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
@@ -57,76 +54,81 @@ class ArchonNagariEngine:
         
         return risk_lv, score, er, u_bal, u_txn
 
-    def get_gemini_advice(self, risk_lv, er, cust_id, u_txn):
-        # FASE 5: NBO (NEW SDK 2026)
-        last_txn = u_txn.tail(3)['raw_description'].tolist()
-        prompt = f"Berikan saran finansial hangat khas perbankan (sapa Bapak/Ibu) untuk nasabah {cust_id} dengan risiko {risk_lv} dan rasio pengeluaran {er:.1%}. Transaksi terakhir: {last_txn}. Maks 3 kalimat."
-        
+    def get_smart_advice(self, risk_lv, er, cust_id, u_txn):
+        # FASE 5: NBO DENGAN DATA KONTEKSTUAL
+        merchants = u_txn[u_txn['transaction_type'] == 'debit'].tail(3)['raw_description'].tolist()
+        prompt = f"""
+        Halo Gemini, bertindaklah sebagai Virtual Advisor Bank Nagari. 
+        Nasabah {cust_id} berisiko {risk_lv} dengan rasio belanja {er:.1%}. 
+        Transaksi terakhir mereka di: {', '.join(merchants)}.
+        Beri saran finansial yang SANGAT personal (bukan template!), gunakan sapaan 'Bapak/Ibu'. 
+        Hubungkan saranmu dengan merchant transaksi terakhir mereka tadi. Maks 3 kalimat.
+        """
         try:
-            response = client.models.generate_content(model="gemini-1.5-flash", contents=prompt)
-            return response.text
-        except:
-            return "Kami menyarankan peninjauan berkala pada pengeluaran bulanan Bapak/Ibu untuk menjaga stabilitas saldo."
+            resp = client.models.generate_content(model="gemini-1.5-flash", contents=prompt)
+            return resp.text
+        except: return "Bapak/Ibu, kami menyarankan efisiensi pada pos pengeluaran bulan ini agar resiliensi finansial tetap terjaga."
 
-    def create_plots(self, u_bal, u_txn):
-        # Plot 1: Cashflow
+    def create_viz(self, u_bal, u_txn):
+        # Grafik 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)
         fig1 = go.Figure()
         fig1.add_trace(go.Bar(x=cf.index, y=cf.get('credit', 0), name='Pemasukan', marker_color='#10b981'))
-        fig1.add_trace(go.Bar(x=cf.index, y=cf.get('debit', 0), name='Pengeluaran', marker_color='#800000'))
-        fig1.update_layout(title="Inflow vs Outflow", barmode='group', template='plotly_white')
+        fig1.add_trace(go.Bar(x=cf.index, y=cf.get('debit', 0), name='Pengeluaran', marker_color='#003366'))
+        fig1.update_layout(title="Arus Kas Bulanan", barmode='group', template='plotly_white')
 
-        # Plot 2: Balance
+        # Grafik Tren Saldo
         fig2 = go.Figure()
-        fig2.add_trace(go.Scatter(x=u_bal['month'], y=u_bal['avg_balance'], name='Saldo Rata-rata', line=dict(color='#800000', width=4)))
-        fig2.update_layout(title="Tren Saldo", template='plotly_white')
-        
+        fig2.add_trace(go.Scatter(x=u_bal['month'], y=u_bal['avg_balance'], name='Rata-rata Saldo', line=dict(color='#FFD700', width=4)))
+        fig2.update_layout(title="Tren Saldo Nasabah", template='plotly_white')
         return fig1, fig2
 
-# --- UI INTERFACE ---
+# --- UI LOGIC ---
 engine = ArchonNagariEngine()
 
-def process(cust_id):
-    res = engine.run_analysis(cust_id)
-    if not res: return "### ⚠️ Nasabah Tidak Ditemukan", "Data tidak tersedia.", None, None
+def run_app(cust_id):
+    res = engine.analyze(cust_id)
+    if not res: return "### ❌ ID Tidak Valid", "Mohon gunakan ID C0001 - C0120", None, None, ""
     
     risk_lv, score, er, u_bal, u_txn = res
-    advice = engine.get_gemini_advice(risk_lv, er, cust_id, u_txn)
-    f1, f2 = engine.create_plots(u_bal, u_txn)
+    advice = engine.get_smart_advice(risk_lv, er, cust_id, u_txn)
+    f1, f2 = engine.create_viz(u_bal, u_txn)
+    
+    # Penjelasan Detail (Explainable Summary)
+    interp = f"""
+    ### 📖 Interpretasi Data Archon
+    * **Risk Score ({score:.2f})**: Dihitung dari 5 parameter (Gaji, Tren Saldo, Overdraft, Cicilan, Volatilitas). Skor di atas 0.7 masuk kategori Risiko Tinggi.
+    * **Expense Ratio ({er:.1%})**: Artinya Bapak/Ibu menghabiskan {er:.1%} dari pendapatan untuk belanja. Idealnya di bawah 50%.
+    * **Grafik Arus Kas**: Jika batang Biru (Pengeluaran) sering lebih tinggi dari Hijau (Pemasukan), ini sinyal bahaya bagi resiliensi keuangan.
+    """
     
     report_html = f"""
-    <div style='padding: 20px; border-radius: 10px; background: white; border-left: 10px solid {"#d32f2f" if risk_lv=="HIGH" else "#f9a825"};'>
-        <h2 style='color: #800000; margin: 0;'>Status: {risk_lv}</h2>
-        <p><b>Risk Score:</b> {score:.2f} | <b>Expense Ratio:</b> {er:.1%}</p>
+    <div style='padding: 20px; border-radius: 10px; background: white; border-left: 10px solid {"#ef4444" if risk_lv=="HIGH" else "#f59e0b"};'>
+        <h2 style='color: #003366; margin: 0;'>🛡️ STATUS: {risk_lv}</h2>
+        <p style='margin: 5px 0;'>ID Nasabah: {cust_id} | Skor: {score:.2f}</p>
     </div>
     """
-    return report_html, advice, f1, f2
+    return report_html, advice, f1, f2, interp
 
 with gr.Blocks() as demo:
-    gr.HTML("""
-    <div class="nagari-header">
-        <h1 style="margin:0;">🛡️ ARCHON-AI: BANK NAGARI EDITION</h1>
-        <p style="margin:0; opacity: 0.8;">Automated Financial Resilience & Risk Intelligence</p>
-    </div>
-    """)
+    gr.HTML("<div class='nagari-header'><h1>🏦 ARCHON-AI: BANK NAGARI</h1><p>Financial Resilience & Intelligent NBO Engine</p></div>")
     
     with gr.Row():
         with gr.Column(scale=1):
-            id_input = gr.Textbox(label="Customer ID", placeholder="C0001 - C0120")
-            btn = gr.Button("ANALYZE NOW", variant="primary")
-            out_report = gr.HTML()
+            with gr.Column(elem_classes="card-nagari"):
+                id_in = gr.Textbox(label="Masukkan Customer ID", placeholder="C0001")
+                btn = gr.Button("PROSES ANALISIS", variant="primary")
+                out_status = gr.HTML()
+            gr.Markdown("---")
+            out_interp = gr.Markdown(elem_classes="explanation-box")
         
         with gr.Column(scale=2):
             with gr.Tabs():
-                with gr.TabItem("Arus Kas"):
-                    plot_cf = gr.Plot()
-                with gr.TabItem("Tren Saldo"):
-                    plot_bal = gr.Plot()
-                    
-    out_advice = gr.Textbox(label="Personalized NBO (Powered by Gemini 1.5)", lines=4, elem_classes="advice-box")
+                with gr.TabItem("Analisis Arus Kas"): plot_1 = gr.Plot()
+                with gr.TabItem("Tren Saldo"): plot_2 = gr.Plot()
+            out_advice = gr.Textbox(label="Virtual Advisor (Gemini 1.5 Flash)", lines=5)
 
-    btn.click(fn=process, inputs=id_input, outputs=[out_report, out_advice, plot_cf, plot_bal])
+    btn.click(fn=run_app, inputs=id_in, outputs=[out_status, out_advice, plot_1, plot_2, out_interp])
 
-# Jalankan dengan CSS di launch
 demo.launch(css=custom_css)