Update app/services/firebase_service.py

app/services/firebase_service.py

@@ -1,491 +1,491 @@
-"""
-Firebase service for Firestore database and Authentication.
-Handles all Firebase operations including user profiles and loan applications.
-"""
-
-import json
-import os
-from datetime import datetime
-from typing import Any, Dict, List, Optional
-
-import firebase_admin
-from app.config import settings
-from app.utils.logger import default_logger as logger
-from firebase_admin import auth, credentials, firestore
-from google.cloud.firestore_v1 import FieldFilter
-
-
-class FirebaseService:
-    """Service for Firebase Firestore and Authentication operations."""
-
-    def __init__(self):
-        """Initialize Firebase Admin SDK and Firestore client."""
-        self.db: Optional[firestore.Client] = None
-        self.initialized = False
-        self._initialize_firebase()
-
-    def _initialize_firebase(self) -> None:
-        """Initialize Firebase Admin SDK with credentials."""
-        try:
-            # Check if Firebase app is already initialized
-            if not firebase_admin._apps:
-                # Try to load credentials from environment or use default
-                if settings.FIREBASE_CREDENTIALS:
-                    # If FIREBASE_CREDENTIALS is a JSON string
-                    if settings.FIREBASE_CREDENTIALS.startswith("{"):
-                        cred_dict = json.loads(settings.FIREBASE_CREDENTIALS)
-                        cred = credentials.Certificate(cred_dict)
-                    else:
-                        # If it's a file path
-                        cred = credentials.Certificate(settings.FIREBASE_CREDENTIALS)
-
-                    firebase_admin.initialize_app(
-                        cred, {"projectId": settings.FIREBASE_PROJECT_ID}
-                    )
-                else:
-                    # Use Application Default Credentials (for local dev with gcloud)
-                    firebase_admin.initialize_app(
-                        options={"projectId": settings.FIREBASE_PROJECT_ID}
-                    )
-
-            self.db = firestore.client()
-            self.initialized = True
-            logger.info("Firebase initialized successfully")
-
-        except Exception as e:
-            logger.error(f"Failed to initialize Firebase: {str(e)}")
-            # For development, we can continue without Firebase
-            logger.warning("Running without Firebase connection (dev mode)")
-            self.initialized = False
-
-    # ========================================================================
-    # User Profile Operations
-    # ========================================================================
-
-    def get_user_profile(self, user_id: str) -> Optional[Dict[str, Any]]:
-        """
-        Retrieve user profile from Firestore.
-
-        Args:
-            user_id: User ID
-
-        Returns:
-            User profile dict or None if not found
-        """
-        if not self.initialized:
-            logger.warning("Firebase not initialized, returning mock data")
-            return self._get_mock_user_profile(user_id)
-
-        try:
-            doc_ref = self.db.collection("users").document(user_id)
-            doc = doc_ref.get()
-
-            if doc.exists:
-                profile = doc.to_dict()
-                profile["user_id"] = user_id
-                logger.info(f"Retrieved profile for user {user_id}")
-                return profile
-            else:
-                logger.warning(f"User profile not found: {user_id}")
-                return None
-
-        except Exception as e:
-            logger.error(f"Error fetching user profile: {str(e)}")
-            return None
-
-    def create_user_profile(self, user_data: Dict[str, Any]) -> Dict[str, Any]:
-        """
-        Create a new user profile in Firestore.
-
-        Args:
-            user_data: User profile data
-
-        Returns:
-            Created user profile with user_id
-        """
-        if not self.initialized:
-            logger.warning("Firebase not initialized, returning mock data")
-            return {**user_data, "user_id": "mock_user_123"}
-
-        try:
-            user_id = user_data.get("user_id")
-            if not user_id:
-                # Generate user_id from Firebase Auth UID or create new
-                user_id = self.db.collection("users").document().id
-
-            user_data["user_id"] = user_id
-            user_data["created_at"] = datetime.utcnow()
-            user_data["updated_at"] = datetime.utcnow()
-
-            # Set default values
-            user_data.setdefault("existing_emi", 0.0)
-            user_data.setdefault("mock_credit_score", 650)
-            user_data.setdefault("segment", "New to Credit")
-
-            doc_ref = self.db.collection("users").document(user_id)
-            doc_ref.set(user_data)
-
-            logger.info(f"Created user profile: {user_id}")
-            return user_data
-
-        except Exception as e:
-            logger.error(f"Error creating user profile: {str(e)}")
-            raise
-
-    def update_user_profile(
-        self, user_id: str, update_data: Dict[str, Any]
-    ) -> Dict[str, Any]:
-        """
-        Update an existing user profile.
-
-        Args:
-            user_id: User ID
-            update_data: Fields to update
-
-        Returns:
-            Updated user profile
-        """
-        if not self.initialized:
-            logger.warning("Firebase not initialized")
-            return {"user_id": user_id, **update_data}
-
-        try:
-            update_data["updated_at"] = datetime.utcnow()
-            doc_ref = self.db.collection("users").document(user_id)
-            doc_ref.update(update_data)
-
-            logger.info(f"Updated user profile: {user_id}")
-            return self.get_user_profile(user_id)
-
-        except Exception as e:
-            logger.error(f"Error updating user profile: {str(e)}")
-            raise
-
-    # ========================================================================
-    # Loan Application Operations
-    # ========================================================================
-
-    def create_loan_application(self, loan_data: Dict[str, Any]) -> Dict[str, Any]:
-        """
-        Create a new loan application in Firestore.
-
-        Args:
-            loan_data: Loan application data
-
-        Returns:
-            Created loan application with loan_id
-        """
-        if not self.initialized:
-            logger.warning("Firebase not initialized, returning mock data")
-            return {**loan_data, "loan_id": "mock_loan_123"}
-
-        try:
-            # Generate loan ID
-            loan_ref = self.db.collection("loan_applications").document()
-            loan_id = loan_ref.id
-
-            loan_data["loan_id"] = loan_id
-            loan_data["created_at"] = datetime.utcnow()
-            loan_data["updated_at"] = datetime.utcnow()
-
-            loan_ref.set(loan_data)
-
-            logger.info(f"Created loan application: {loan_id}")
-            return loan_data
-
-        except Exception as e:
-            logger.error(f"Error creating loan application: {str(e)}")
-            raise
-
-    def update_loan_application(
-        self, loan_id: str, update_data: Dict[str, Any]
-    ) -> Dict[str, Any]:
-        """
-        Update an existing loan application.
-
-        Args:
-            loan_id: Loan application ID
-            update_data: Fields to update
-
-        Returns:
-            Updated loan application
-        """
-        if not self.initialized:
-            logger.warning("Firebase not initialized")
-            return {"loan_id": loan_id, **update_data}
-
-        try:
-            update_data["updated_at"] = datetime.utcnow()
-            doc_ref = self.db.collection("loan_applications").document(loan_id)
-            doc_ref.update(update_data)
-
-            logger.info(f"Updated loan application: {loan_id}")
-            return self.get_loan_application(loan_id)
-
-        except Exception as e:
-            logger.error(f"Error updating loan application: {str(e)}")
-            raise
-
-    def get_loan_application(self, loan_id: str) -> Optional[Dict[str, Any]]:
-        """
-        Retrieve a loan application by ID.
-
-        Args:
-            loan_id: Loan application ID
-
-        Returns:
-            Loan application dict or None if not found
-        """
-        if not self.initialized:
-            logger.warning("Firebase not initialized, returning mock data")
-            return self._get_mock_loan_application(loan_id)
-
-        try:
-            doc_ref = self.db.collection("loan_applications").document(loan_id)
-            doc = doc_ref.get()
-
-            if doc.exists:
-                loan = doc.to_dict()
-                loan["loan_id"] = loan_id
-                logger.info(f"Retrieved loan application: {loan_id}")
-                return loan
-            else:
-                logger.warning(f"Loan application not found: {loan_id}")
-                return None
-
-        except Exception as e:
-            logger.error(f"Error fetching loan application: {str(e)}")
-            return None
-
-    def get_user_loans(self, user_id: str) -> List[Dict[str, Any]]:
-        """
-        Get all loan applications for a user.
-
-        Args:
-            user_id: User ID
-
-        Returns:
-            List of loan applications
-        """
-        if not self.initialized:
-            logger.warning("Firebase not initialized, returning empty list")
-            return []
-
-        try:
-            loans_ref = self.db.collection("loan_applications")
-            query = loans_ref.where(
-                filter=FieldFilter("user_id", "==", user_id)
-            ).order_by("created_at", direction=firestore.Query.DESCENDING)
-
-            loans = []
-            for doc in query.stream():
-                loan = doc.to_dict()
-                loan["loan_id"] = doc.id
-                loans.append(loan)
-
-            logger.info(f"Retrieved {len(loans)} loans for user {user_id}")
-            return loans
-
-        except Exception as e:
-            logger.error(f"Error fetching user loans: {str(e)}")
-            return []
-
-    def get_all_loans(self, limit: int = 50, offset: int = 0) -> List[Dict[str, Any]]:
-        """
-        Get all loan applications with pagination.
-
-        Args:
-            limit: Number of loans to retrieve
-            offset: Number of loans to skip
-
-        Returns:
-            List of loan applications
-        """
-        if not self.initialized:
-            logger.warning("Firebase not initialized, returning empty list")
-            return []
-
-        try:
-            loans_ref = self.db.collection("loan_applications")
-            query = loans_ref.order_by(
-                "created_at", direction=firestore.Query.DESCENDING
-            ).limit(limit)
-
-            if offset > 0:
-                # Get the document to start after
-                skip_query = loans_ref.order_by(
-                    "created_at", direction=firestore.Query.DESCENDING
-                ).limit(offset)
-                skip_docs = list(skip_query.stream())
-                if skip_docs:
-                    query = query.start_after(skip_docs[-1])
-
-            loans = []
-            for doc in query.stream():
-                loan = doc.to_dict()
-                loan["loan_id"] = doc.id
-                loans.append(loan)
-
-            logger.info(
-                f"Retrieved {len(loans)} loans (limit={limit}, offset={offset})"
-            )
-            return loans
-
-        except Exception as e:
-            logger.error(f"Error fetching all loans: {str(e)}")
-            return []
-
-    # ========================================================================
-    # Admin Operations
-    # ========================================================================
-
-    def get_admin_summary(self) -> Dict[str, Any]:
-        """
-        Get aggregated metrics for admin dashboard.
-
-        Returns:
-            Dictionary with admin metrics
-        """
-        if not self.initialized:
-            logger.warning("Firebase not initialized, returning mock data")
-            return self._get_mock_admin_summary()
-
-        try:
-            loans_ref = self.db.collection("loan_applications")
-            loans = list(loans_ref.stream())
-
-            total = len(loans)
-            approved = 0
-            rejected = 0
-            adjust = 0
-            total_amount = 0
-            total_emi = 0
-            total_credit = 0
-            risk_dist = {"A": 0, "B": 0, "C": 0}
-
-            today = datetime.utcnow().date()
-            today_count = 0
-
-            for doc in loans:
-                loan = doc.to_dict()
-
-                decision = loan.get("decision", "")
-                if decision == "APPROVED":
-                    approved += 1
-                elif decision == "REJECTED":
-                    rejected += 1
-                elif decision == "ADJUST":
-                    adjust += 1
-
-                total_amount += loan.get("approved_amount", 0)
-                total_emi += loan.get("emi", 0)
-                total_credit += loan.get("credit_score", 0)
-
-                risk_band = loan.get("risk_band", "C")
-                if risk_band in risk_dist:
-                    risk_dist[risk_band] += 1
-
-                created_at = loan.get("created_at")
-                if created_at and created_at.date() == today:
-                    today_count += 1
-
-            summary = {
-                "total_applications": total,
-                "approved_count": approved,
-                "rejected_count": rejected,
-                "adjust_count": adjust,
-                "avg_loan_amount": total_amount / total if total > 0 else 0,
-                "avg_emi": total_emi / total if total > 0 else 0,
-                "avg_credit_score": total_credit / total if total > 0 else 0,
-                "today_applications": today_count,
-                "risk_distribution": risk_dist,
-            }
-
-            logger.info("Generated admin summary")
-            return summary
-
-        except Exception as e:
-            logger.error(f"Error generating admin summary: {str(e)}")
-            return self._get_mock_admin_summary()
-
-    # ========================================================================
-    # Authentication Operations
-    # ========================================================================
-
-    def verify_token(self, id_token: str) -> Optional[Dict[str, Any]]:
-        """
-        Verify Firebase ID token.
-
-        Args:
-            id_token: Firebase ID token from client
-
-        Returns:
-            Decoded token with user info or None if invalid
-        """
-        if not self.initialized:
-            logger.warning("Firebase not initialized, skipping token verification")
-            return {"uid": "mock_user_123", "email": "test@example.com"}
-
-        try:
-            decoded_token = auth.verify_id_token(id_token)
-            logger.info(f"Token verified for user: {decoded_token.get('uid')}")
-            return decoded_token
-
-        except Exception as e:
-            logger.error(f"Token verification failed: {str(e)}")
-            return None
-
-    # ========================================================================
-    # Mock Data Methods (for development)
-    # ========================================================================
-
-    def _get_mock_user_profile(self, user_id: str) -> Dict[str, Any]:
-        """Return mock user profile for development."""
-        return {
-            "user_id": user_id,
-            "full_name": "John Doe",
-            "email": "john.doe@example.com",
-            "monthly_income": 75000.0,
-            "existing_emi": 5000.0,
-            "mock_credit_score": 720,
-            "segment": "Existing Customer",
-            "created_at": datetime.utcnow(),
-        }
-
-    def _get_mock_loan_application(self, loan_id: str) -> Dict[str, Any]:
-        """Return mock loan application for development."""
-        return {
-            "loan_id": loan_id,
-            "user_id": "mock_user_123",
-            "requested_amount": 500000.0,
-            "requested_tenure_months": 36,
-            "approved_amount": 500000.0,
-            "tenure_months": 36,
-            "emi": 16620.0,
-            "interest_rate": 12.0,
-            "credit_score": 720,
-            "foir": 0.29,
-            "decision": "APPROVED",
-            "risk_band": "A",
-            "explanation": "Approved based on excellent credit score and low FOIR",
-            "created_at": datetime.utcnow(),
-            "updated_at": datetime.utcnow(),
-        }
-
-    def _get_mock_admin_summary(self) -> Dict[str, Any]:
-        """Return mock admin summary for development."""
-        return {
-            "total_applications": 25,
-            "approved_count": 18,
-            "rejected_count": 5,
-            "adjust_count": 2,
-            "avg_loan_amount": 425000.0,
-            "avg_emi": 14250.0,
-            "avg_credit_score": 695,
-            "today_applications": 3,
-            "risk_distribution": {"A": 12, "B": 10, "C": 3},
-        }
-
-
-# Singleton instance
-firebase_service = FirebaseService()
+"""
+Firebase service for Firestore database and Authentication.
+Handles all Firebase operations including user profiles and loan applications.
+"""
+
+import json
+import os
+from datetime import datetime
+from typing import Any, Dict, List, Optional
+
+import firebase_admin
+from app.config import settings
+from app.utils.logger import default_logger as logger
+from firebase_admin import auth, credentials, firestore
+from google.cloud.firestore_v1 import FieldFilter
+
+
+class FirebaseService:
+    """Service for Firebase Firestore and Authentication operations."""
+
+    def __init__(self):
+        """Initialize Firebase Admin SDK and Firestore client."""
+        self.db: Optional[firestore.Client] = None
+        self.initialized = False
+        self._initialize_firebase()
+
+    def _initialize_firebase(self) -> None:
+        """Initialize Firebase Admin SDK with credentials."""
+        try:
+            # Check if Firebase app is already initialized
+            if not firebase_admin._apps:
+                # Try to load credentials from environment or use default
+                if settings.FIREBASE_CREDENTIALS:
+                    # If FIREBASE_CREDENTIALS is a JSON string
+                    if settings.FIREBASE_CREDENTIALS.startswith("{"):
+                        cred_dict = json.loads(settings.FIREBASE_CREDENTIALS)
+                        cred = credentials.Certificate(cred_dict)
+                    else:
+                        # If it's a file path
+                        cred = credentials.Certificate(settings.FIREBASE_CREDENTIALS)
+
+                    firebase_admin.initialize_app(
+                        cred, {"projectId": settings.FIREBASE_PROJECT_ID}
+                    )
+                else:
+                    # Use Application Default Credentials (for local dev with gcloud)
+                    firebase_admin.initialize_app(
+                        options={"projectId": settings.FIREBASE_PROJECT_ID}
+                    )
+
+            self.db = firestore.client()
+            self.initialized = True
+            logger.info("Firebase initialized successfully")
+
+        except Exception as e:
+            logger.error(f"Failed to initialize Firebase: {str(e)}")
+            # For development, we can continue without Firebase
+            logger.warning("Running without Firebase connection (dev mode)")
+            self.initialized = False
+
+    # ========================================================================
+    # User Profile Operations
+    # ========================================================================
+
+    def get_user_profile(self, user_id: str) -> Optional[Dict[str, Any]]:
+        """
+        Retrieve user profile from Firestore.
+
+        Args:
+            user_id: User ID
+
+        Returns:
+            User profile dict or None if not found
+        """
+        if not self.initialized:
+            logger.warning("Firebase not initialized, returning mock data")
+            return self._get_mock_user_profile(user_id)
+
+        try:
+            doc_ref = self.db.collection("users").document(user_id)
+            doc = doc_ref.get()
+
+            if doc.exists:
+                profile = doc.to_dict()
+                profile["user_id"] = user_id
+                logger.info(f"Retrieved profile for user {user_id}")
+                return profile
+            else:
+                logger.warning(f"User profile not found: {user_id}")
+                return None
+
+        except Exception as e:
+            logger.error(f"Error fetching user profile: {str(e)}")
+            return None
+
+    def create_user_profile(self, user_data: Dict[str, Any]) -> Dict[str, Any]:
+        """
+        Create a new user profile in Firestore.
+
+        Args:
+            user_data: User profile data
+
+        Returns:
+            Created user profile with user_id
+        """
+        if not self.initialized:
+            logger.warning("Firebase not initialized, returning mock data")
+            return {**user_data, "user_id": "mock_user_123"}
+
+        try:
+            user_id = user_data.get("user_id")
+            if not user_id:
+                # Generate user_id from Firebase Auth UID or create new
+                user_id = self.db.collection("users").document().id
+
+            user_data["user_id"] = user_id
+            user_data["created_at"] = datetime.utcnow()
+            user_data["updated_at"] = datetime.utcnow()
+
+            # Set default values
+            user_data.setdefault("existing_emi", 0.0)
+            user_data.setdefault("mock_credit_score", 650)
+            user_data.setdefault("segment", "New to Credit")
+
+            doc_ref = self.db.collection("users").document(user_id)
+            doc_ref.set(user_data)
+
+            logger.info(f"Created user profile: {user_id}")
+            return user_data
+
+        except Exception as e:
+            logger.error(f"Error creating user profile: {str(e)}")
+            raise
+
+    def update_user_profile(
+        self, user_id: str, update_data: Dict[str, Any]
+    ) -> Dict[str, Any]:
+        """
+        Update an existing user profile.
+
+        Args:
+            user_id: User ID
+            update_data: Fields to update
+
+        Returns:
+            Updated user profile
+        """
+        if not self.initialized:
+            logger.warning("Firebase not initialized")
+            return {"user_id": user_id, **update_data}
+
+        try:
+            update_data["updated_at"] = datetime.utcnow()
+            doc_ref = self.db.collection("users").document(user_id)
+            doc_ref.update(update_data)
+
+            logger.info(f"Updated user profile: {user_id}")
+            return self.get_user_profile(user_id)
+
+        except Exception as e:
+            logger.error(f"Error updating user profile: {str(e)}")
+            raise
+
+    # ========================================================================
+    # Loan Application Operations
+    # ========================================================================
+
+    def create_loan_application(self, loan_data: Dict[str, Any]) -> str:
+        """
+        Create a new loan application in Firestore.
+
+        Args:
+            loan_data: Loan application data
+
+        Returns:
+            loan_id: The document ID string of the created loan application
+        """
+        if not self.initialized:
+            logger.warning("Firebase not initialized, returning mock loan ID")
+            return "mock_loan_123"
+
+        try:
+            # Generate loan ID
+            loan_ref = self.db.collection("loan_applications").document()
+            loan_id = loan_ref.id
+
+            loan_data["loan_id"] = loan_id
+            loan_data["created_at"] = datetime.utcnow()
+            loan_data["updated_at"] = datetime.utcnow()
+
+            loan_ref.set(loan_data)
+
+            logger.info(f"Created loan application: {loan_id}")
+            return loan_id  # Return only the loan_id string
+
+        except Exception as e:
+            logger.error(f"Error creating loan application: {str(e)}")
+            raise
+
+    def update_loan_application(
+        self, loan_id: str, update_data: Dict[str, Any]
+    ) -> Dict[str, Any]:
+        """
+        Update an existing loan application.
+
+        Args:
+            loan_id: Loan application ID
+            update_data: Fields to update
+
+        Returns:
+            Updated loan application
+        """
+        if not self.initialized:
+            logger.warning("Firebase not initialized")
+            return {"loan_id": loan_id, **update_data}
+
+        try:
+            update_data["updated_at"] = datetime.utcnow()
+            doc_ref = self.db.collection("loan_applications").document(loan_id)
+            doc_ref.update(update_data)
+
+            logger.info(f"Updated loan application: {loan_id}")
+            return self.get_loan_application(loan_id)
+
+        except Exception as e:
+            logger.error(f"Error updating loan application: {str(e)}")
+            raise
+
+    def get_loan_application(self, loan_id: str) -> Optional[Dict[str, Any]]:
+        """
+        Retrieve a loan application by ID.
+
+        Args:
+            loan_id: Loan application ID
+
+        Returns:
+            Loan application dict or None if not found
+        """
+        if not self.initialized:
+            logger.warning("Firebase not initialized, returning mock data")
+            return self._get_mock_loan_application(loan_id)
+
+        try:
+            doc_ref = self.db.collection("loan_applications").document(loan_id)
+            doc = doc_ref.get()
+
+            if doc.exists:
+                loan = doc.to_dict()
+                loan["loan_id"] = loan_id
+                logger.info(f"Retrieved loan application: {loan_id}")
+                return loan
+            else:
+                logger.warning(f"Loan application not found: {loan_id}")
+                return None
+
+        except Exception as e:
+            logger.error(f"Error fetching loan application: {str(e)}")
+            return None
+
+    def get_user_loans(self, user_id: str) -> List[Dict[str, Any]]:
+        """
+        Get all loan applications for a user.
+
+        Args:
+            user_id: User ID
+
+        Returns:
+            List of loan applications
+        """
+        if not self.initialized:
+            logger.warning("Firebase not initialized, returning empty list")
+            return []
+
+        try:
+            loans_ref = self.db.collection("loan_applications")
+            query = loans_ref.where(
+                filter=FieldFilter("user_id", "==", user_id)
+            ).order_by("created_at", direction=firestore.Query.DESCENDING)
+
+            loans = []
+            for doc in query.stream():
+                loan = doc.to_dict()
+                loan["loan_id"] = doc.id
+                loans.append(loan)
+
+            logger.info(f"Retrieved {len(loans)} loans for user {user_id}")
+            return loans
+
+        except Exception as e:
+            logger.error(f"Error fetching user loans: {str(e)}")
+            return []
+
+    def get_all_loans(self, limit: int = 50, offset: int = 0) -> List[Dict[str, Any]]:
+        """
+        Get all loan applications with pagination.
+
+        Args:
+            limit: Number of loans to retrieve
+            offset: Number of loans to skip
+
+        Returns:
+            List of loan applications
+        """
+        if not self.initialized:
+            logger.warning("Firebase not initialized, returning empty list")
+            return []
+
+        try:
+            loans_ref = self.db.collection("loan_applications")
+            query = loans_ref.order_by(
+                "created_at", direction=firestore.Query.DESCENDING
+            ).limit(limit)
+
+            if offset > 0:
+                # Get the document to start after
+                skip_query = loans_ref.order_by(
+                    "created_at", direction=firestore.Query.DESCENDING
+                ).limit(offset)
+                skip_docs = list(skip_query.stream())
+                if skip_docs:
+                    query = query.start_after(skip_docs[-1])
+
+            loans = []
+            for doc in query.stream():
+                loan = doc.to_dict()
+                loan["loan_id"] = doc.id
+                loans.append(loan)
+
+            logger.info(
+                f"Retrieved {len(loans)} loans (limit={limit}, offset={offset})"
+            )
+            return loans
+
+        except Exception as e:
+            logger.error(f"Error fetching all loans: {str(e)}")
+            return []
+
+    # ========================================================================
+    # Admin Operations
+    # ========================================================================
+
+    def get_admin_summary(self) -> Dict[str, Any]:
+        """
+        Get aggregated metrics for admin dashboard.
+
+        Returns:
+            Dictionary with admin metrics
+        """
+        if not self.initialized:
+            logger.warning("Firebase not initialized, returning mock data")
+            return self._get_mock_admin_summary()
+
+        try:
+            loans_ref = self.db.collection("loan_applications")
+            loans = list(loans_ref.stream())
+
+            total = len(loans)
+            approved = 0
+            rejected = 0
+            adjust = 0
+            total_amount = 0
+            total_emi = 0
+            total_credit = 0
+            risk_dist = {"A": 0, "B": 0, "C": 0}
+
+            today = datetime.utcnow().date()
+            today_count = 0
+
+            for doc in loans:
+                loan = doc.to_dict()
+
+                decision = loan.get("decision", "")
+                if decision == "APPROVED":
+                    approved += 1
+                elif decision == "REJECTED":
+                    rejected += 1
+                elif decision == "ADJUST":
+                    adjust += 1
+
+                total_amount += loan.get("approved_amount", 0)
+                total_emi += loan.get("emi", 0)
+                total_credit += loan.get("credit_score", 0)
+
+                risk_band = loan.get("risk_band", "C")
+                if risk_band in risk_dist:
+                    risk_dist[risk_band] += 1
+
+                created_at = loan.get("created_at")
+                if created_at and created_at.date() == today:
+                    today_count += 1
+
+            summary = {
+                "total_applications": total,
+                "approved_count": approved,
+                "rejected_count": rejected,
+                "adjust_count": adjust,
+                "avg_loan_amount": total_amount / total if total > 0 else 0,
+                "avg_emi": total_emi / total if total > 0 else 0,
+                "avg_credit_score": total_credit / total if total > 0 else 0,
+                "today_applications": today_count,
+                "risk_distribution": risk_dist,
+            }
+
+            logger.info("Generated admin summary")
+            return summary
+
+        except Exception as e:
+            logger.error(f"Error generating admin summary: {str(e)}")
+            return self._get_mock_admin_summary()
+
+    # ========================================================================
+    # Authentication Operations
+    # ========================================================================
+
+    def verify_token(self, id_token: str) -> Optional[Dict[str, Any]]:
+        """
+        Verify Firebase ID token.
+
+        Args:
+            id_token: Firebase ID token from client
+
+        Returns:
+            Decoded token with user info or None if invalid
+        """
+        if not self.initialized:
+            logger.warning("Firebase not initialized, skipping token verification")
+            return {"uid": "mock_user_123", "email": "test@example.com"}
+
+        try:
+            decoded_token = auth.verify_id_token(id_token)
+            logger.info(f"Token verified for user: {decoded_token.get('uid')}")
+            return decoded_token
+
+        except Exception as e:
+            logger.error(f"Token verification failed: {str(e)}")
+            return None
+
+    # ========================================================================
+    # Mock Data Methods (for development)
+    # ========================================================================
+
+    def _get_mock_user_profile(self, user_id: str) -> Dict[str, Any]:
+        """Return mock user profile for development."""
+        return {
+            "user_id": user_id,
+            "full_name": "John Doe",
+            "email": "john.doe@example.com",
+            "monthly_income": 75000.0,
+            "existing_emi": 5000.0,
+            "mock_credit_score": 720,
+            "segment": "Existing Customer",
+            "created_at": datetime.utcnow(),
+        }
+
+    def _get_mock_loan_application(self, loan_id: str) -> Dict[str, Any]:
+        """Return mock loan application for development."""
+        return {
+            "loan_id": loan_id,
+            "user_id": "mock_user_123",
+            "requested_amount": 500000.0,
+            "requested_tenure_months": 36,
+            "approved_amount": 500000.0,
+            "tenure_months": 36,
+            "emi": 16620.0,
+            "interest_rate": 12.0,
+            "credit_score": 720,
+            "foir": 0.29,
+            "decision": "APPROVED",
+            "risk_band": "A",
+            "explanation": "Approved based on excellent credit score and low FOIR",
+            "created_at": datetime.utcnow(),
+            "updated_at": datetime.utcnow(),
+        }
+
+    def _get_mock_admin_summary(self) -> Dict[str, Any]:
+        """Return mock admin summary for development."""
+        return {
+            "total_applications": 25,
+            "approved_count": 18,
+            "rejected_count": 5,
+            "adjust_count": 2,
+            "avg_loan_amount": 425000.0,
+            "avg_emi": 14250.0,
+            "avg_credit_score": 695,
+            "today_applications": 3,
+            "risk_distribution": {"A": 12, "B": 10, "C": 3},
+        }
+
+
+# Singleton instance
+firebase_service = FirebaseService()