feat: Implement adaptive Next Best Offer (NBO) decision engine, enhance customer analysis with discretionary spending, and refine UI styling.

app.py

@@ -14,15 +14,51 @@ if GOOGLE_API_KEY:
     except:
         client_ai = None
 
-# --- UI STYLE: BANK NAGARI LIGHT BLUE ---
+# --- UI STYLE: BANK NAGARI (LIGHT BLUE & GOLD) ---
 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; margin-bottom: 25px; text-align: center; }
-.nagari-header h1 { color: #FFFFFF !important; font-weight: 800 !important; margin: 0; }
-.report-card { background: #FFFFFF; border-radius: 15px; padding: 25px; border: 1.5px solid #E0EDF4; box-shadow: 0 4px 15px rgba(5, 20, 222, 0.05); }
-.metric-box { background: #E0EDF4; padding: 20px; border-radius: 12px; border-left: 8px solid #0514DE; }
-.advice-section { background: #fffdf0; border: 1px solid #F7BD87; padding: 20px; border-radius: 10px; margin-top: 15px; }
+
+.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;
+}
+
+/* Memastikan teks ARCHON-AI BOLD PUTIH */
+.nagari-header h1 { 
+    color: #FFFFFF !important; 
+    font-weight: 800 !important; 
+    margin: 0; 
+    text-shadow: 2px 2px 4px rgba(0,0,0,0.2);
+}
+
+.report-card { 
+    background: #FFFFFF; 
+    border-radius: 15px; 
+    padding: 25px; 
+    border: 1.5px solid #E0EDF4; 
+    box-shadow: 0 4px 15px rgba(5, 20, 222, 0.05); 
+}
+
+.status-card { 
+    background: #E0EDF4; 
+    padding: 20px; 
+    border-radius: 12px; 
+    border-left: 8px solid #0514DE; 
+    margin-bottom: 20px;
+}
+
+.nbo-box {
+    background: #fffdf0;
+    border: 2px solid #F7BD87;
+    padding: 20px;
+    border-radius: 10px;
+    margin-top: 15px;
+}
 """
 
 class ArchonMasterEngine:
@@ -30,9 +66,9 @@ class ArchonMasterEngine:
         self.load_data()
 
     def load_data(self):
-        # Proteksi data untuk ID yang bermasalah (seperti C0014)
         try:
-            self.df_txn = pd.read_csv('transactions.csv', parse_dates=['date']).fillna("Umum")
+            # Proteksi ID error (C0014, dll) dengan sanitasi data awal
+            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")
@@ -40,7 +76,9 @@ class ArchonMasterEngine:
             print(f"File Error: {e}")
 
     def analyze(self, customer_id):
+        # Sanitasi ID: Hapus spasi dan jadikan huruf besar
         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')
         u_rep = self.df_rep[self.df_rep['customer_id'] == cid]
@@ -56,6 +94,12 @@ class ArchonMasterEngine:
         expense = u_txn[u_txn['transaction_type'] == 'debit']['amount'].sum()
         er = min(expense / ref_income, 1.0) if ref_income > 0 else 1.0
         
+        # Penentuan Discretionary Ratio (Estimasi Fase 2)
+        disc_keywords = ['online', 'shopee', 'tokopedia', 'cafe', 'resto', 'cinema', 'travel', 'fashion', 'promo']
+        disc_spending = u_txn[(u_txn['transaction_type'] == 'debit') & 
+                             (u_txn['raw_description'].str.lower().str.contains('|'.join(disc_keywords)))]['amount'].sum()
+        disc_ratio = disc_spending / expense if expense > 0 else 0
+        
         # Scoring logic (Fase 4 - 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
@@ -65,43 +109,60 @@ class ArchonMasterEngine:
         score = (0.3 * er_s) + (0.2 * bt_s) + (0.2 * od_s) + (0.2 * mp_s) + 0.1
         risk_lv = "HIGH" if score >= 0.7 else ("MEDIUM" if score >= 0.4 else "LOW")
         
-        return risk_lv, score, er, u_bal, u_txn, expense, ref_income
+        return risk_lv, score, er, disc_ratio, u_bal, u_txn, expense, ref_income, mp_s
 
-    def build_expert_advice(self, risk_lv, score, er, u_bal, expense, income, u_txn):
-        # ADAPTIVE DETERMINISTIC ADVISOR (Backup & Logic Engine)
-        # Menghasilkan saran berdasarkan data riil nasabah secara otomatis
-        msg = f"### 📊 ANALISIS INTELIJEN ARCHON\n"
+    def build_expert_nbo(self, risk_lv, score, er, disc_ratio, u_bal, expense, income, mp_s, cid, u_txn):
+        # --- FASE 5: NBO DECISION ENGINE (LOGIKA ADAPTIF) ---
+        msg = f"### 📊 LAPORAN INTELIJEN ARCHON\n"
         msg += f"Berdasarkan profil mutasi, tingkat resiliensi Bapak/Ibu berada di level **{risk_lv}** (Skor: {score:.2f}).\n\n"
         
-        # Logika Rasio
-        if er > 0.8:
-            msg += f"🔴 **Peringatan Rasio**: Pengeluaran Anda (Rp{expense:,.0f}) sudah menyerap {er:.1%} dari pendapatan. Ini sangat kritis dan dapat mengganggu cicilan di masa depan. "
-        elif er > 0.5:
-            msg += f"🟡 **Evaluasi Belanja**: Rasio pengeluaran {er:.1%} mulai memasuki zona waspada. Disarankan melakukan efisiensi pada pos belanja non-esensial. "
-        else:
-            msg += f"🟢 **Kesehatan Arus Kas**: Rasio pengeluaran {er:.1%} sangat ideal. Bapak/Ibu memiliki surplus dana yang kuat untuk investasi. "
-
-        # Logika Saldo
+        # 1. PENJELASAN METRIK (FASE 6)
+        msg += f"**Analisis Arus Kas:**\n"
+        msg += f"- **Rasio Pengeluaran ({er:.1%})**: Anda menghabiskan Rp{expense:,.0f} dari pendapatan Rp{income:,.0f}. "
+        if er > 0.8: msg += "⚠️ Kondisi ini kritis bagi stabilitas jangka panjang."
+        
         if not u_bal.empty:
             last_bal = u_bal.iloc[-1]['avg_balance']
-            if len(u_bal) > 1 and last_bal < u_bal.iloc[-2]['avg_balance']:
-                msg += f"\n\n📉 **Tren Saldo**: Terjadi penurunan saldo rata-rata menjadi Rp{last_bal:,.0f}. Disarankan menjaga saldo minimum agar tidak menyentuh limit harian."
-            else:
-                msg += f"\n\n📈 **Tren Saldo**: Saldo rata-rata Rp{last_bal:,.0f} terpantau stabil, memberikan jaring pengaman finansial yang baik."
+            msg += f"\n- **Stabilitas Saldo**: Saldo rata-rata terakhir Rp{last_bal:,.0f}. "
+            if len(u_bal) > 1 and last_bal < u_bal.iloc[-2]['avg_balance']: msg += "📉 Tren menurun terpantau."
+        
+        # 2. PENENTUAN AKSI NBO (FASE 5)
+        action = ""
+        reason = ""
+        
+        if risk_lv == "HIGH" or mp_s == 1:
+            action = "Restructuring Suggestion"
+            reason = "Terdeteksi tekanan pada pembayaran cicilan atau saldo kritis. Fokus pada penyelamatan likuiditas."
+        elif disc_ratio > 0.6:
+            action = "Spending Control"
+            reason = "Pengeluaran gaya hidup (discretionary) melebihi 60%. Perlu pembatasan transaksi non-esensial segera."
+        elif risk_lv == "MEDIUM" and disc_ratio > 0.4:
+            action = "Budgeting Alert"
+            reason = "Pola belanja mulai tidak stabil. Disarankan mengaktifkan fitur notifikasi budget."
+        elif risk_lv == "LOW" and disc_ratio <= 0.3:
+            action = "Promote Investment / Saving Boost"
+            reason = "Kondisi finansial sangat prima dengan surplus dana. Waktunya memaksimalkan pertumbuhan aset."
+        else:
+            action = "Financial Education"
+            reason = "Stabilitas terjaga, namun diperlukan literasi untuk pengelolaan cashflow yang lebih optimal."
+
+        msg += f"\n\n<div class='nbo-box'>**🎯 REKOMENDASI AKSI (NBO):**\n"
+        msg += f"**Tindakan**: {action}\n\n"
+        msg += f"**Alasan**: {reason}</div>"
 
-        # GENERATIVE NBO (Parallel Execution)
+        # 3. GENERATIVE NBO (PARALLEL EXECUTION)
         if client_ai:
             merchants = u_txn.tail(2)['raw_description'].tolist()
-            prompt = f"Advisor Bank Nagari: Nasabah {risk_lv} risk, expense {er:.1%}. Terakhir belanja di {merchants}. Beri 1 saran sangat hangat & personal (panggil Bapak/Ibu), maks 2 kalimat."
+            prompt = f"Advisor Bank Nagari: Nasabah {cid} risiko {risk_lv}, expense {er:.1%}, aksi {action}. Terakhir belanja di {merchants}. Beri saran sangat hangat & personal (panggil Bapak/Ibu), maks 2 kalimat."
             try:
                 resp = client_ai.models.generate_content(model="gemini-1.5-flash", contents=prompt)
                 msg += f"\n\n---\n**💡 SARAN VIRTUAL ADVISOR (AI):**\n{resp.text}"
-            except: pass # Jika gagal, saran deterministik di atas sudah cukup profesional
+            except: pass
             
         return msg
 
     def create_viz(self, u_bal, u_txn):
-        # Arus Kas
+        # 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()
@@ -109,27 +170,27 @@ class ArchonMasterEngine:
         fig1.add_trace(go.Bar(x=cf.index, y=cf.get('debit', 0), name='Pengeluaran', marker_color='#0514DE'))
         fig1.update_layout(title="Inflow vs Outflow Bulanan", barmode='group', template='plotly_white')
 
-        # Saldo
+        # 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='#F7BD87', width=4)))
-        fig2.update_layout(title="Grafik Tren Pertumbuhan Tabungan", template='plotly_white')
+        fig2.update_layout(title="Grafik Tren Kesehatan Saldo", template='plotly_white')
         return fig1, fig2
 
 # --- UI EXECUTION ---
 engine = ArchonMasterEngine()
 
-def run_archon(cust_id):
+def run_app(cust_id):
     res = engine.analyze(cust_id)
-    if not res: return "## ❌ ID Tidak Valid", "Silakan masukkan ID Customer yang terdaftar (C0001 - C0120).", None, None
+    if not res: return "## ❌ ID Tidak Valid", "Masukkan ID Customer yang terdaftar (C0001 - C0120).", None, None
     
-    risk_lv, score, er, u_bal, u_txn, exp, inc = res
-    report = engine.build_expert_advice(risk_lv, score, er, u_bal, exp, inc, u_txn)
+    risk_lv, score, er, disc_ratio, u_bal, u_txn, exp, inc, mp_s = res
+    report = engine.build_expert_nbo(risk_lv, score, er, disc_ratio, u_bal, exp, inc, mp_s, cust_id, u_txn)
     p1, p2 = engine.create_viz(u_bal, u_txn)
     
     color = "#ef4444" if risk_lv == "HIGH" else ("#f59e0b" if risk_lv == "MEDIUM" else "#10b981")
     status_html = f"""
     <div class='metric-box'>
-        <h2 style='color: #0514DE; margin:0;'>Archon Analysis Results</h2>
+        <h2 style='color: #0514DE; margin:0;'>Archon Insight Summary</h2>
         <div style='background:{color}; color:white; padding:5px 15px; border-radius:20px; font-weight:bold; display:inline-block; margin-top:10px;'>{risk_lv} RISK LEVEL</div>
         <p style='margin-top:15px; font-size:1.1em;'><b>Risk Score:</b> {score:.2f} | <b>Expense Ratio:</b> {er:.1%}</p>
     </div>
@@ -137,31 +198,31 @@ def run_archon(cust_id):
     return status_html, report, p1, p2
 
 with gr.Blocks(css=custom_css) as demo:
-    # Header dengan teks putih dan tebal (Bold)
+    # Header Bold Putih
     gr.HTML("""
     <div class='nagari-header'>
         <h1>ARCHON-AI</h1>
-        <p style='color: white !important; opacity: 0.9; margin: 5px 0 0 0;'>Platform Intelijen Resiliensi Finansial & Pengelolaan Risiko</p>
+        <p style='color: white !important; opacity: 0.9; margin: 5px 0 0 0;'>Pusat Intelijen Risiko & Resiliensi Finansial Nasabah</p>
     </div>
     """)
     
     with gr.Row():
         with gr.Column(scale=1):
-            id_in = gr.Textbox(label="Customer ID", placeholder="C0001")
+            id_in = gr.Textbox(label="Input Customer ID", placeholder="C0001")
             btn = gr.Button("ANALYZE CUSTOMER", variant="primary")
             out_status = gr.HTML()
             gr.Markdown("---")
-            gr.Markdown("ℹ️ **Interpretasi**: Skor ini dihasilkan secara hibrida melalui analisis riwayat saldo, rasio belanja, dan ketepatan cicilan.")
+            gr.Markdown("ℹ️ **Interpretasi**: Skor risiko menggabungkan data mutasi saldo harian, rasio belanja, dan ketepatan cicilan nasabah secara otomatis.")
         
         with gr.Column(scale=2):
             with gr.Tabs():
-                with gr.TabItem("Analysis Summary"):
+                with gr.TabItem("Analysis & NBO Recommendation"):
                     out_report = gr.Markdown(elem_classes="report-card")
                 with gr.TabItem("Cashflow Insight"):
                     plot_cf = gr.Plot()
                 with gr.TabItem("Saving 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_app, inputs=id_in, outputs=[out_status, out_report, plot_cf, plot_bal])
 
 demo.launch()