update NBO decision logic, and enhance report narrative generation.

app.py

@@ -10,23 +10,44 @@ from datetime import timedelta
 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 REFINED ---
+# --- UI STYLE BANK NAGARI PREMIUM ---
+# 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;800&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%); 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-left { background: #E0EDF4; border-radius: 15px; padding: 25px; border: 1.5px solid #82C3EB; box-shadow: 0 4px 12px rgba(5, 20, 222, 0.08); }
-.badge-item { background: white; padding: 10px; border-radius: 8px; margin-bottom: 10px; border-left: 4px solid #0514DE; font-size: 0.9em; }
-.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; }
+
+.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;
+}
+
+.nagari-header h1 { 
+    color: #FFFFFF !important; font-weight: 800 !important; margin: 0; font-size: 2.2em; 
+}
+
+.card-left { 
+    background: #E0EDF4; border-radius: 15px; padding: 25px; 
+    border: 1.5px solid #82C3EB; box-shadow: 0 4px 12px rgba(5, 20, 222, 0.08); 
+}
+
+.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 ArchonFinalEngine:
+class ArchonMasterEngine:
     def __init__(self):
         self.load_data()
 
     def load_data(self):
+        # Fase 1: Data Foundation
         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')
@@ -42,107 +63,102 @@ class ArchonFinalEngine:
         if u_txn.empty or u_info_list.empty: return None
         u_info = u_info_list.iloc[0]
 
-        # --- FASE 2: INTELLIGENCE ---
+        # --- FASE 2 & 3: AGGREGATION ---
         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
         
         # --- FASE 4: RISK SCORING (30/20/20/20/10) ---
-        # Normalisasi Skor 0 - 1
-        er_score_val = 1.0 if er > 0.8 else (0.5 if er > 0.5 else 0.0)
-        bt_val = 1.0 if len(u_bal) >= 2 and u_bal.iloc[-1]['avg_balance'] < u_bal.iloc[-2]['avg_balance'] else 0.0
-        od_val = 1.0 if (u_bal['min_balance'] <= 0).any() else 0.0
-        mp_val = 1.0 if (u_rep['status'] == 'late').any() else 0.0
+        # Menghitung skor tanpa walrus operator agar stabil
+        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
         
-        final_score = (0.3 * er_score_val) + (0.2 * bt_s := bt_val) + (0.2 * od_s := od_val) + (0.2 * mp_s := mp_val) + 0.1
+        # Total Score: 0.1 adalah baseline volatility
+        final_score = (0.3 * er_s) + (0.2 * bt_s) + (0.2 * od_s) + (0.2 * mp_s) + 0.1
         risk_lv = "HIGH" if final_score >= 0.7 else ("MEDIUM" if final_score >= 0.4 else "LOW")
 
-        # --- FASE 5: NBO ENGINE (SPENDING CONTROL FOCUS) ---
-        if risk_lv == "HIGH" or mp_val == 1:
-            action, nbo_detail = "Restructuring Suggestion", "Prioritas penyelamatan kredit melalui penjadwalan ulang cicilan."
-            steps = ["Penurunan suku bunga sementara", "Perpanjangan tenor pinjaman", "Konsolidasi utang harian."]
+        # --- FASE 5: NBO DECISION ENGINE ---
+        if risk_lv == "HIGH" or mp_s == 1:
+            action, detail = "Restructuring Suggestion", "Prioritas penyelamatan kredit dan penjadwalan ulang cicilan."
+            steps = ["Peninjauan ulang suku bunga", "Perpanjangan tenor", "Konsolidasi kewajiban."]
         elif er > 0.6:
-            action, nbo_detail = "Spending Control", "Pengendalian pengeluaran non-esensial untuk menjaga likuiditas harian."
-            steps = ["Aktivasi limit harian transaksi QRIS", "Notifikasi otomatis saat belanja > Rp500rb", "Edukasi pemisahan rekening operasional."]
+            action, detail = "Spending Control", "Pembatasan pengeluaran gaya hidup untuk menjaga likuiditas."
+            steps = ["Set limit QRIS harian", "Notifikasi saldo kritis", "Review pos belanja online."]
         elif risk_lv == "LOW":
-            action, nbo_detail = "Promote Investment", "Optimalisasi surplus dana melalui produk investasi Bank Nagari."
-            steps = ["Penawaran Deposito Gold", "Reksa Dana pasar uang", "Tabungan berjangka otomatis."]
+            action, detail = "Promote Investment", "Optimalisasi dana mengendap melalui produk growth."
+            steps = ["Penawaran Deposito Nagari", "Reksa Dana", "Tabungan Berjangka."]
         else:
-            action, nbo_detail = "Financial Education", "Edukasi pengelolaan arus kas agar status risiko tetap stabil."
-            steps = ["Webinar literasi keuangan", "E-book perencanaan budget", "Review bulanan bersama RM."]
+            action, detail = "Financial Education", "Edukasi pengelolaan arus kas harian agar resiliensi meningkat."
+            steps = ["Modul perencanaan budget", "Webinar literasi", "Saran RM Mingguan."]
 
-        return risk_lv, final_score, er, u_bal, u_txn, expense, ref_income, action, nbo_detail, steps, er_score_val, bt_val, od_val, mp_val
+        return risk_lv, final_score, er, u_bal, u_txn, expense, ref_income, action, detail, steps, er_s, bt_s, od_s, mp_s
 
-    def get_report_text(self, risk_lv, score, er, u_bal, expense, income, action, nbo_detail, steps, cid, u_txn):
-        # Fase 6: Explainable Summary
-        report = f"### 📊 ANALISIS EKSEKUTIF ARCHON-AI\n\n"
-        report += f"**Identitas Nasabah:** {cid}\n"
-        report += f"Berdasarkan audit mutasi, tingkat resiliensi Bapak/Ibu berada pada kategori **{risk_lv}** (Skor: {score:.2f}).\n\n"
+    def get_narrative(self, risk_lv, score, er, u_bal, exp, inc, action, detail, steps, cid, u_txn):
+        # FASE 6: EXPLAINABLE SUMMARY (NARRATIVE)
+        msg = f"### 📊 LAPORAN EKSEKUTIF ARCHON-AI\n\n"
+        msg += f"Analisis resiliensi untuk nasabah **{cid}** menunjukkan profil risiko **{risk_lv}** (Skor: {score:.2f}).\n\n"
         
-        report += f"**1. Mengapa Skor Ini Muncul?**\n"
-        report += f"* **Efisiensi Dana**: Rasio belanja Anda {er:.1%}. Artinya dari pendapatan Rp{income:,.0f}, sebanyak Rp{expense:,.0f} terpakai. "
-        report += "Ini mengindikasikan tekanan likuiditas." if er > 0.8 else "Ini menunjukkan kondisi kas yang aman."
+        msg += f"**Mengapa Skor Ini Muncul?**\n"
+        msg += f"* **Rasio Belanja ({er:.1%})**: Anda menghabiskan Rp{exp:,.0f} dari daya beli Rp{inc:,.0f}. "
+        msg += "Ini menunjukkan defisit kas yang berisiko." if er > 0.8 else "Angka ini menunjukkan manajemen kas yang sehat."
         
         if not u_bal.empty:
-            report += f"\n* **Analisis Saldo**: Saldo rata-rata terakhir Rp{u_bal.iloc[-1]['avg_balance']:,.0f}. "
-            report += "Tren menurun terpantau, yang berarti cadangan dana darurat mulai menipis." if len(u_bal) > 1 and u_bal.iloc[-1]['avg_balance'] < u_bal.iloc[-2]['avg_balance'] else "Tren pertumbuhan saldo positif."
-        
-        report += f"\n\n<div class='nbo-box'>**🎯 REKOMENDASI STRATEGIS (NBO): {action}**\n\n"
-        report += f"**Definisi:** {nbo_detail}\n\n"
-        report += f"**Langkah-Langkah Implementasi:**\n"
-        for i, step in enumerate(steps, 1):
-            report += f"{i}. {step}\n"
-        report += f"</div>"
+            last_bal = u_bal.iloc[-1]['avg_balance']
+            msg += f"\n* **Tren Saldo**: Saldo saat ini Rp{last_bal:,.0f}. "
+            msg += "Terjadi penurunan saldo rata-rata, mengindikasikan tabungan mulai tergerus." if len(u_bal) > 1 and last_bal < u_bal.iloc[-2]['avg_balance'] else "Saldo tumbuh stabil."
+
+        msg += f"\n\n<div class='nbo-box'>**🎯 REKOMENDASI TINDAKAN (NBO): {action}**\n\n"
+        msg += f"**Definisi:** {detail}\n\n"
+        msg += f"**Langkah-langkah Strategis:**\n"
+        for i, s in enumerate(steps, 1): msg += f"{i}. {s}\n"
+        msg += f"</div>"
 
+        # GEN-AI BACKUP
         if client_ai:
             try:
                 tx = u_txn.tail(1)['raw_description'].iloc[0]
-                prompt = f"Advisor Bank Nagari: Nasabah {cid} risiko {risk_lv}, expense {er:.1%}. Terakhir belanja di {tx}. Beri 1 saran hangat personal (Bapak/Ibu) maks 2 kalimat."
+                prompt = f"Advisor Bank Nagari: Nasabah {cid} ({risk_lv} risk). Saran hangat personal terkait {tx}, maks 2 kalimat."
                 resp = client_ai.models.generate_content(model="gemini-1.5-flash", contents=prompt)
-                report += f"\n---\n**💡 SARAN VIRTUAL ADVISOR:**\n_{resp.text}_"
+                msg += f"\n---\n**💡 SARAN VIRTUAL ADVISOR:**\n_{resp.text}_"
             except: pass
-        return report
+        return msg
 
-# --- UI LOGIC ---
-engine = ArchonFinalEngine()
+# --- UI EXECUTION ---
+engine = ArchonMasterEngine()
 
-def process(cust_id):
+def run_app(cust_id):
     res = engine.analyze(cust_id)
-    if not res: return "## ❌ ID Tidak Ditemukan", "Gunakan C0001 - C0120", 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_detail, steps, er_s, bt_s, od_s, mp_s = res
-    report = engine.get_report_text(risk_lv, score, er, u_bal, exp, inc, action, nbo_detail, steps, cust_id, u_txn)
+    risk_lv, score, er, u_bal, u_txn, exp, inc, action, detail, steps, er_s, bt_s, od_s, mp_s = res
+    report = engine.get_narrative(risk_lv, score, er, u_bal, exp, inc, action, detail, steps, cust_id, u_txn)
     
-    # Graphs - CORRECTED LEGEND
+    # Graphs - CORRECTED
     f1 = go.Figure()
     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.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='#0514DE'))
-    f1.update_layout(title="Arus Kas Bulanan", barmode='group', template='plotly_white')
+    f1.update_layout(title="Inflow vs Outflow Bulanan", barmode='group', template='plotly_white')
 
     f2 = go.Figure()
     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="Tren Pertumbuhan Saldo", template='plotly_white')
 
-    # Sidebar Badges (Brainstorming Result)
     color = "#ef4444" if risk_lv == "HIGH" else ("#f59e0b" if risk_lv == "MEDIUM" else "#10b981")
-    sidebar_html = f"""
+    sidebar = f"""
     <div class='card-left'>
         <h2 style='color: #0514DE; 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</div>
-        
-        <div class='badge-item'><b>Expense Ratio:</b> {er:.1%} {'⚠️' if er > 0.8 else '✅'}</div>
-        <div class='badge-item'><b>Balance Trend:</b> {'🔻 Menurun' if bt_s == 1 else '🔼 Stabil'}</div>
-        <div class='badge-item'><b>Overdraft:</b> {'❌ Pernah' if od_s == 1 else '✅ Tidak'}</div>
-        <div class='badge-item'><b>Credit Status:</b> {'❌ Late' if mp_s == 1 else '✅ On-Time'}</div>
-        
-        <p style='margin-top:20px; font-size:0.85em; color:#666;'>*Parameter dihitung menggunakan bobot resmi perbankan Nagari (Fase 4).</p>
+        <div style='background:white; padding:10px; border-radius:8px; margin-bottom:10px; border-left:4px solid #0514DE;'><b>Score:</b> {score:.2f}</div>
+        <div style='background:white; padding:10px; border-radius:8px; margin-bottom:10px; border-left:4px solid #0514DE;'><b>Ratio:</b> {er:.1%}</div>
+        <div style='background:white; padding:10px; border-radius:8px; border-left:4px solid #0514DE;'><b>Trend:</b> {'🔻 Turun' if bt_s == 1 else '🔼 Stabil'}</div>
     </div>
     """
-    
-    return sidebar_html, report, f1, f2
+    return sidebar, report, f1, f2
 
 with gr.Blocks(css=custom_css) as demo:
     gr.HTML("<div class='nagari-header'><h1>ARCHON-AI</h1></div>")
@@ -150,18 +166,18 @@ with gr.Blocks(css=custom_css) as demo:
         with gr.Column(scale=1):
             id_in = gr.Textbox(label="Customer ID", placeholder="C0001")
             btn = gr.Button("ANALYZE CUSTOMER", variant="primary")
-            out_status = gr.HTML()
+            out_side = gr.HTML()
         with gr.Column(scale=2):
             with gr.Tabs():
                 with gr.Tab("Audit Summary"):
                     out_report = gr.Markdown(elem_classes="report-card")
                 with gr.Tab("Visual Analytics"):
-                    gr.Markdown("### Interpretasi Arus Kas\n**Batang Tua (Pengeluaran)** sebaiknya tidak lebih tinggi dari **Batang Muda (Pemasukan)**.")
+                    gr.Markdown("### Analisis Arus Kas\n**Batang Muda (Light Blue)** = Uang Masuk. **Batang Tua (Deep Blue)** = Uang Keluar.")
                     plot_cf = gr.Plot()
                     gr.Markdown("---")
-                    gr.Markdown("### Tren Saldo\nMenunjukkan daya tahan nasabah terhadap krisis.")
+                    gr.Markdown("### Tren Pertumbuhan Saldo\nMenunjukkan konsistensi nasabah dalam membangun cadangan likuiditas.")
                     plot_bal = gr.Plot()
 
-    btn.click(fn=process, inputs=id_in, outputs=[out_status, out_report, plot_cf, plot_bal])
+    btn.click(fn=run_app, inputs=id_in, outputs=[out_side, out_report, plot_cf, plot_bal])
 
 demo.launch()