refactor: Rename core engine class, refine expense classification keywords and logic, and update NBO recommendations and risk score weighting.

app.py

@@ -9,8 +9,7 @@ from google import genai
 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 (BERDASARKAN PALET NAGARI.PNG) ---
-# Primary: #05A4DE, Light Blue: #82C3EB, Pale: #E0EDF4, White: #FFFFFF, Accent: #F7BD87
+# --- UI STYLE: BANK NAGARI PREMIUM ---
 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; }
@@ -20,7 +19,7 @@ body, .gradio-container { font-family: 'Plus Jakarta Sans', sans-serif !importan
     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(0,0,0,0.15); }
+.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; 
@@ -28,19 +27,15 @@ body, .gradio-container { font-family: 'Plus Jakarta Sans', sans-serif !importan
 }
 .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; 
-}
+.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 ArchonNagariEngine:
+class ArchonMasterEngine:
     def __init__(self):
         self.load_data()
 
     def load_data(self):
-        # FASE 1: DATA FOUNDATION [cite: 1]
         try:
             self.df_txn = pd.read_csv('transactions.csv', parse_dates=['date']).sort_values('date')
             self.df_cust = pd.read_csv('customers.csv')
@@ -58,74 +53,67 @@ class ArchonNagariEngine:
         if u_txn.empty or u_info_df.empty: return None
         u_info = u_info_df.iloc[0]
 
-        # --- FASE 2: TRANSACTION INTELLIGENCE (Robust Matching) [cite: 7] ---
-        # Memperluas deteksi agar tidak 100% Discretionary
-        essential_list = ['grocer', 'utilit', 'transport', 'health', 'educat', 'bill', 'loan', 'salary', 'listrik', 'pdam', 'sekolah']
+        # --- 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']
         
         def classify_exp(row):
-            cat = str(row.get('merchant_category', '')).lower()
-            purp = str(row.get('purpose_code', '')).lower()
             desc = str(row.get('raw_description', '')).lower()
-            if any(k in cat for k in essential_list) or any(k in purp for k in essential_list) or any(k in desc for k in essential_list):
-                return 'essential'
+            if any(k in desc for k in essential_keywords): return 'essential'
             return 'discretionary'
 
         u_txn['expense_type'] = u_txn.apply(classify_exp, axis=1)
 
-        # --- FASE 3 & 4: RISK SCORING (STRICT 30/20/20/20/10) [cite: 92, 122] ---
-        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 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
         
-        # Scoring [cite: 139]
-        er_score = 1.0 if er > 0.8 else (0.5 if er > 0.5 else 0.0)
-        bt_score = 1.0 if len(u_bal) >= 2 and u_bal.iloc[-1]['avg_balance'] < u_bal.iloc[-2]['avg_balance'] else 0.0
-        od_score = 1.0 if (u_bal['min_balance'] <= 0).any() else 0.0
-        mp_score = 1.0 if (u_rep['status'] == 'late').any() else 0.0
+        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
         
-        score = (0.3 * er_score) + (0.2 * bt_score) + (0.2 * od_score) + (0.2 * mp_score) + 0.1
+        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")
 
-        # --- FASE 5: NBO ENGINE (Customer Oriented) [cite: 167] ---
-        if risk_lv == "HIGH" or mp_score == 1:
-            action, desc = "Program Restrukturisasi", "Demi kenyamanan finansial Anda, kami merekomendasikan penyesuaian jadwal pembayaran cicilan."
-            steps = ["Ajukan peninjauan tenor pinjaman", "Konsolidasi tagihan harian", "Manfaatkan konsultasi dana darurat."]
+        # --- 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."
         elif er > 0.6:
-            action, desc = "Pengendalian Pengeluaran (Spending Control)", "Kami mendeteksi pola belanja yang meningkat. Anda dapat mengatur batas harian transaksi agar tabungan tetap terjaga."
-            steps = ["Atur limit harian QRIS", "Aktifkan notifikasi saldo minimum", "Prioritaskan kebutuhan pokok (Essential)."]
+            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."
         elif risk_lv == "LOW":
-            action, desc = "Optimalkan Tabungan (Promote Saving)", "Kondisi keuangan Anda sangat prima. Ini waktu yang tepat untuk menumbuhkan aset Anda lebih maksimal."
-            steps = ["Buka tabungan berjangka", "Pindahkan dana mengendap ke deposito", "Eksplorasi produk reksa dana."]
+            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."
         else:
-            action, desc = "Edukasi Finansial Berkala", "Mari perkuat resiliensi keuangan Anda dengan tips pengelolaan arus kas bulanan."
-            steps = ["Baca artikel cerdas belanja", "Gunakan fitur budgeting di aplikasi", "Review pengeluaran akhir bulan."]
+            action = "Edukasi Pengelolaan Kas"
+            nbo_msg = "Mari optimalkan arus kas harian Bapak/Ibu dengan fitur budgeting di aplikasi mobile kami agar resiliensi tetap terjaga."
 
-        return risk_lv, score, er, u_bal, u_txn, expense, ref_income, action, desc, steps, er_score, bt_score, od_score, mp_score
+        return risk_lv, score, er, u_bal, u_txn, exp_total, ref_inc, action, nbo_msg, er_s, bt_s, od_s, mp_s
 
-    def build_report(self, risk_lv, score, er, u_bal, exp, inc, action, desc, steps, cid, u_txn):
-        # FASE 6: EXPLAINABLE SUMMARY [cite: 280]
-        report = f"### LAPORAN ANALISIS RESILIENSI ANDA ({cid})\n\n"
-        report += f"Halo, Bapak/Ibu. Berdasarkan riwayat transaksi terakhir, tingkat kesehatan finansial Anda saat ini berada pada kategori **{risk_lv}** (Skor: {score:.2f}).\n\n"
+    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"
         
-        report += f"**Mengapa Hasil Ini Muncul?**\n"
-        report += f"* **Rasio Belanja ({er:.1%})**: Dari total daya beli Bapak/Ibu (Rp{inc:,.0f}), sebanyak Rp{exp:,.0f} dialokasikan untuk pengeluaran. "
-        report += "Ini mengindikasikan alokasi belanja yang cukup tinggi bulan ini." if er > 0.8 else "Angka ini menunjukkan kontrol belanja yang sehat."
+        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."
         
         if not u_bal.empty:
-            report += f"\n* **Analisis Saldo**: Saldo rata-rata Anda saat ini Rp{u_bal.iloc[-1]['avg_balance']:,.0f}. "
-            report += "Tren saldo yang menurun menandakan pentingnya menjaga cadangan dana darurat." if len(u_bal) > 1 and u_bal.iloc[-1]['avg_balance'] < u_bal.iloc[-2]['avg_balance'] else "Stabilitas saldo terpantau positif dan tumbuh."
-        
-        report += f"\n\n<div class='nbo-box'>**REKOMENDASI UNTUK ANDA: {action}**\n\n"
-        report += f"**Tujuan:** {desc}\n\n"
-        report += f"**Langkah-Langkah yang Dapat Anda Ambil:**\n"
-        for i, step in enumerate(steps, 1): report += f"{i}. {step}\n"
-        report += f"</div>"
-        return report
+            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."
+
+        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
 
     def create_viz(self, u_bal, u_txn):
-        # FASE 6: VISUALIZATION [cite: 315]
-        # 1. Inflow vs Outflow
+        # 1. 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)
         f1 = go.Figure()
@@ -133,72 +121,67 @@ class ArchonNagariEngine:
         f1.add_trace(go.Bar(x=cf.index, y=cf.get('debit', 0), name='Pengeluaran (Outflow)', marker_color='#05A4DE'))
         f1.update_layout(title="Arus Kas Bulanan", barmode='group', template='plotly_white')
 
-        # 2. Tren Saldo
-        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="Grafik Tren Kesehatan Saldo", template='plotly_white')
-        
-        # 3. Komposisi Gaya Hidup (FIXED COLORS)
+        # 2. Pie Chart (FIXED COLORS)
         exp_dist = u_txn[u_txn['transaction_type'] == 'debit'].groupby('expense_type')['amount'].sum().reset_index()
-        # Biru=Essential, Emas=Discretionary
         color_map = {'essential': '#05A4DE', 'discretionary': '#F7BD87'}
-        f3 = go.Figure(data=[go.Pie(
-            labels=exp_dist['expense_type'], 
-            values=exp_dist['amount'], 
-            hole=.4,
+        f2 = go.Figure(data=[go.Pie(
+            labels=exp_dist['expense_type'], values=exp_dist['amount'], hole=.4,
             marker=dict(colors=[color_map.get(x, '#E0EDF4') for x in exp_dist['expense_type']])
         )])
-        f3.update_layout(title="Komposisi Pengeluaran (Kebutuhan vs Keinginan)")
+        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
 
-# --- UI EXECUTION ---
-engine = ArchonNagariEngine()
+# --- UI LOGIC ---
+engine = ArchonMasterEngine()
 
-def run_archon(cust_id):
+def process(cust_id):
     res = engine.analyze(cust_id)
-    if not res: return "❌ ID Tidak Valid", "Mohon masukkan ID C0001 - C0120", None, None, None
+    if not res: return "ID Tidak Valid", "Gunakan C0001 - C0120", None, None, None
     
-    risk_lv, score, er, u_bal, u_txn, exp, inc, action, desc, steps, er_s, bt_s, od_s, mp_s = res
-    report = engine.build_report(risk_lv, score, er, u_bal, exp, inc, action, desc, steps, cust_id, u_txn)
+    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)
     
     color = "#ef4444" if risk_lv == "HIGH" else ("#f59e0b" if risk_lv == "MEDIUM" else "#10b981")
-    sidebar_html = f"""
+    sidebar = f"""
     <div class='card-sidebar'>
-        <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>Indeks Risiko:</b> {score:.2f} / 1.00</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>
+        <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>
+        <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>
     """
-    return sidebar_html, report, p1, p2, p3
+    return sidebar, report, p1, p2, p3
 
 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("ANALISIS DATA ANDA", variant="primary")
+            btn = gr.Button("ANALYZE CUSTOMER", variant="primary")
             out_side = gr.HTML()
         with gr.Column(scale=2):
             with gr.Tabs():
-                with gr.Tab("Ringkasan Finansial"):
+                with gr.Tab("Laporan Naratif"):
                     out_report = gr.Markdown(elem_classes="report-card")
-                with gr.Tab("Visualisasi Perilaku"):
+                with gr.Tab("Analisis Visual"):
                     gr.Markdown("### 1. Inflow vs Outflow")
                     plot_cf = gr.Plot()
-                    gr.HTML("<div style='background:#f1f5f9; padding:15px; border-radius:8px;'><b>Interpretasi:</b> Batang muda (Inflow) idealnya lebih tinggi dari batang tua (Outflow) untuk pertumbuhan saldo yang sehat.</div>")
                     gr.Markdown("---")
-                    gr.Markdown("### 2. Tren Pertumbuhan Saldo")
-                    plot_bal = gr.Plot()
-                    gr.HTML("<div style='background:#f1f5f9; padding:15px; border-radius:8px;'><b>Interpretasi:</b> Menunjukkan daya tahan keuangan Bapak/Ibu dalam menghadapi kebutuhan mendadak.</div>")
-                    gr.Markdown("---")
-                    gr.Markdown("### 3. Komposisi Pengeluaran")
+                    gr.Markdown("### 2. Komposisi Gaya Hidup")
                     plot_dist = gr.Plot()
-                    gr.HTML("<div style='background:#f1f5f9; padding:15px; border-radius:8px;'><b>Warna:</b> Biru = Kebutuhan Pokok (Essential). Emas = Gaya Hidup/Keinginan (Discretionary).</div>")
+                    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()
 
-    btn.click(fn=run_archon, inputs=id_in, outputs=[out_side, out_report, plot_cf, plot_bal, plot_dist])
+    btn.click(fn=process, inputs=id_in, outputs=[out_side, out_report, plot_cf, plot_dist, plot_bal])
 
 demo.launch()