Deploy BankBot AI project files

.streamlit/config.toml

@@ -0,0 +1,6 @@
+[theme]
+base="light"
+primaryColor="#1E40AF"
+backgroundColor="#F8FAFC"
+secondaryBackgroundColor="#F1F5F9"
+textColor="#0F172A"

README.md

@@ -1,20 +1,36 @@
 ---
-title: BankBot AI
-emoji: 🚀
-colorFrom: red
-colorTo: red
-sdk: docker
-app_port: 8501
-tags:
-- streamlit
+title: Central Bank AI
+emoji: 🏦
+colorFrom: blue
+colorTo: indigo
+sdk: streamlit
+sdk_version: 1.54.0
+app_file: app.py
 pinned: false
-short_description: AI-powered banking assistant
 license: mit
 ---
 
-# Welcome to Streamlit!
+# 🏦 Central Bank AI — BankBot
 
-Edit `/src/streamlit_app.py` to customize this app to your heart's desire. :heart:
+A professional AI-powered banking assistant built with Streamlit.
 
-If you have any questions, checkout our [documentation](https://docs.streamlit.io) and [community
-forums](https://discuss.streamlit.io).
+## Features
+- 💬 Banking chatbot powered by **Groq AI** (cloud) or **Ollama** (local)
+- 📊 Financial dashboard with transaction history and analytics
+- 🔐 User authentication with session management
+- 📋 FAQ-based instant responses from a structured intents database
+
+## AI Backend
+- **Cloud (HF Spaces):** Uses [Groq AI](https://console.groq.com) — set `GROQ_API_KEY` as a Space Secret
+- **Local:** Falls back to [Ollama](https://ollama.com) (llama3) automatically
+
+## Setup (Local)
+```bash
+pip install -r requirements.txt
+ollama pull llama3
+streamlit run app.py
+```
+
+## Setup (Hugging Face Spaces)
+1. Add `GROQ_API_KEY` as a **Secret** in Space Settings
+2. The app will automatically use Groq AI

app.py

@@ -0,0 +1,920 @@
+import streamlit as st
+import pandas as pd
+import numpy as np
+import plotly.express as px
+import time
+from utils import (
+    validate_email, 
+    validate_password_strength, 
+    format_currency,
+    get_timestamp,
+    save_chat_session,
+    load_chat_session,
+    delete_chat_session,
+    clear_all_chat_history,
+    persist_user,
+    get_persisted_users,
+    save_active_session,
+    get_active_session,
+    clear_active_session,
+    get_ai_response,
+    stream_ai_response,
+    check_ollama_connection,
+    get_active_backend,
+    get_all_chat_sessions,
+    get_faq_response,
+    rewrite_banking_response,
+    is_banking_query
+)
+
+st.set_page_config(
+    page_title="Central Bank AI",
+    page_icon="🏦",
+    layout="wide",
+    initial_sidebar_state="expanded"
+)
+
+def apply_custom_style(theme="dark"):
+    # Define color palette based on theme
+    if theme == "dark":
+        colors = {
+            "bg": "#0B1220",
+            "card_bg": "#111827",
+            "text": "#f1f5f9",
+            "text_secondary": "#94a3b8",
+            "primary": "#2563EB",
+            "secondary": "#0ea5e9",
+            "border": "#1F2937",
+            "input_bg": "rgba(30, 41, 59, 0.8)",
+            "shadow": "rgba(0, 0, 0, 0.4)",
+            "success": "#10B981",
+            "warning": "#f59e0b",
+            "danger": "#EF4444",
+            "sidebar_bg": "#0F172A",
+            "hover": "rgba(255, 255, 255, 0.05)"
+        }
+    else:
+        colors = {
+            "bg": "#F8FAFC",
+            "card_bg": "#FFFFFF",
+            "text": "#0F172A",
+            "text_secondary": "#64748B",
+            "primary": "#1E40AF",
+            "secondary": "#2563EB",
+            "border": "#E2E8F0",
+            "input_bg": "#F8FAFC",
+            "shadow": "rgba(0, 0, 0, 0.04)",
+            "success": "#10B981",
+            "warning": "#d97706",
+            "danger": "#EF4444",
+            "sidebar_bg": "#F1F5F9",
+            "hover": "#EFF6FF"
+        }
+
+    st.session_state.colors = colors
+
+    st.markdown(f"""
+    <style>
+    /* Import Fonts */
+    @import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=Poppins:wght@500;600;700&display=swap');
+    
+    /* Global Reset & Typography */
+    .stApp {{
+        font-family: 'Inter', sans-serif;
+        color: {colors['text']};
+        background-color: {colors['bg']};
+    }}
+    
+    h1, h2, h3, h4, h5, h6 {{
+        font-family: 'Poppins', sans-serif;
+        font-weight: 600;
+        color: {colors['text']};
+        margin-bottom: 0.5rem;
+    }}
+    
+    h1 {{ font-size: 32px !important; }}
+    h2 {{ font-size: 24px !important; }}
+    h3 {{ font-size: 18px !important; }}
+    
+    /* Layout Logic */
+    .main .block-container {{
+        padding-top: 5rem !important;
+        padding-bottom: 2rem !important;
+        max-width: 1400px;
+        margin: 0 auto;
+    }}
+    
+    header[data-testid="stHeader"] {{
+        background: transparent !important;
+        box-shadow: none !important;
+        height: 0 !important;
+    }}
+    
+    [data-testid="stAppToolbar"] {{
+        display: none !important;
+    }}
+    
+    [data-testid="stSidebarCollapseButton"] {{
+        visibility: hidden !important;
+        opacity: 0 !important;
+    }}
+
+    /* Footer still hidden */
+    footer {{
+        display: none !important;
+    }}
+
+    /* Global Sidebar Styling */
+    /* Global Sidebar Styling - Force visibility and width */
+    section[data-testid="stSidebar"] {{
+        background: {colors.get('sidebar_bg', '#F1F5F9')} !important;
+        border-right: 1px solid {colors['border']} !important;
+        min-width: 320px !important;
+        width: 320px !important;
+        visibility: visible !important;
+        display: block !important;
+    }}
+    
+    /* Ensure child containers allow visibility */
+    [data-testid="stSidebarContent"] {{
+        visibility: visible !important;
+    }}
+    
+    /* Hide the 'collapsed' hamburger icon in the top left if it appears */
+    [data-testid="collapsedControl"] {{
+        display: none !important;
+    }}
+
+    /* Remove default sidebar top padding */
+    section[data-testid="stSidebar"] > div:first-child {{
+        padding-top: 2rem !important;
+    }}
+
+    /* Custom Scrollbar */
+    ::-webkit-scrollbar {{
+        width: 6px;
+    }}
+    ::-webkit-scrollbar-thumb {{
+        background: {colors['border']};
+        border-radius: 10px;
+    }}
+
+    /* Section Titles */
+    .section-title {{
+        font-size: 11px;
+        letter-spacing: 0.08em;
+        text-transform: uppercase;
+        color: #64748b;
+        margin-bottom: 8px;
+        margin-top: 24px;
+    }}
+
+    /* User Card */
+    .user-card {{
+        background: {colors['card_bg']};
+        padding: 14px;
+        border-radius: 12px;
+        border: 1px solid {colors['border']};
+        margin-bottom: 24px;
+        display: flex;
+        align-items: center;
+        gap: 12px;
+        transition: all 0.2s ease;
+    }}
+    .user-card:hover {{
+        transform: translateX(2px);
+        background: {colors.get('hover', 'rgba(255,255,255,0.05)')};
+    }}
+    .user-avatar {{
+        background: {colors['primary']};
+        width: 36px;
+        height: 36px;
+        border-radius: 50%;
+        display: flex;
+        align-items: center;
+        justify-content: center;
+        color: white;
+        font-weight: bold;
+    }}
+    .user-name {{
+        font-weight: 600;
+        font-size: 14px;
+        color: {colors['text']};
+    }}
+    .user-email {{
+        font-size: 12px;
+        color: {colors['text_secondary']};
+    }}
+
+    /* Navigation / Sidebar Buttons */
+    .sidebar-btn {{
+        padding: 10px 14px;
+        border-radius: 8px;
+        color: #cbd5e1;
+        transition: all 0.2s ease;
+        margin-bottom: 8px;
+        display: flex;
+        align-items: center;
+        gap: 8px;
+        cursor: pointer;
+    }}
+    .sidebar-btn:hover {{
+        background-color: {colors.get('hover', 'rgba(255,255,255,0.05)')};
+        color: white;
+        transform: translateX(2px);
+    }}
+    .sidebar-active {{
+        background-color: rgba(37, 99, 235, 0.15);
+        border-left: 3px solid {colors['primary']};
+        color: white;
+        border-radius: 0 8px 8px 0;
+    }}
+
+    /* Chat History */
+    .chat-history-container {{
+        max-height: 250px;
+        overflow-y: auto;
+        margin-bottom: 24px;
+        padding-right: 4px;
+    }}
+    .chat-item {{
+        padding: 8px 10px;
+        border-radius: 8px;
+        color: #cbd5e1;
+        transition: all 0.2s ease;
+        font-size: 0.9rem;
+        margin-bottom: 4px;
+        cursor: pointer;
+        white-space: nowrap;
+        overflow: hidden;
+        text-overflow: ellipsis;
+    }}
+    .chat-item:hover {{
+        background: {colors.get('hover', 'rgba(255,255,255,0.05)')};
+        color: white;
+        transform: translateX(2px);
+    }}
+
+    /* Logout Button */
+    .logout-btn button {{
+        background: transparent !important;
+        border: 1px solid {colors['danger']} !important;
+        color: {colors['danger']} !important;
+        border-radius: 8px !important;
+        transition: all 0.2s ease !important;
+        width: 100%;
+        padding: 8px !important;
+    }}
+    .logout-btn button:hover {{
+        background: {colors['danger']} !important;
+        color: white !important;
+    }}
+
+    /* AI Status Badge */
+    .status-badge {{
+        padding: 8px 12px;
+        border-radius: 8px;
+        font-size: 13px;
+        font-weight: 600;
+        display: flex;
+        align-items: center;
+        gap: 8px;
+        margin-top: 8px;
+        border: 1px solid {colors['border']};
+    }}
+    
+    .status-online {{
+        background: rgba(16, 185, 129, 0.1);
+        color: #10b981;
+        border-color: rgba(16, 185, 129, 0.2);
+    }}
+    
+    .status-offline {{
+        background: rgba(239, 68, 68, 0.1);
+        color: #ef4444;
+        border-color: rgba(239, 68, 68, 0.2);
+    }}
+    
+    /* Card Component */
+    .bank-card {{
+        background-color: {colors['card_bg']};
+        border: 1px solid {colors['border']};
+        border-radius: 14px;
+        padding: 24px;
+        box-shadow: 0 4px 15px {colors['shadow']};
+        margin-bottom: 16px;
+    }}
+    
+    /* Primary Buttons */
+    .stButton>button {{
+        border-radius: 8px;
+        transition: 0.3s ease;
+    }}
+    
+    .stButton>button:hover {{
+        transform: translateY(-2px);
+    }}
+    
+    /* Chat Interface Styling */
+    .user-bubble {{
+        background: {colors['primary']};
+        color: white;
+        padding: 12px 20px;
+        border-radius: 20px 20px 4px 20px;
+        margin-bottom: 12px;
+        max-width: 85%;
+        margin-left: auto;
+        box-shadow: 0 2px 8px rgba(0,0,0,0.1);
+        font-size: 0.95rem;
+        line-height: 1.5;
+    }}
+    
+    .ai-bubble {{
+        background: {colors['card_bg']};
+        color: {colors['text']};
+        padding: 12px 20px;
+        border-radius: 20px 20px 20px 4px;
+        margin-bottom: 12px;
+        max-width: 85%;
+        border: 1px solid {colors['border']};
+        box-shadow: 0 2px 8px rgba(0,0,0,0.05);
+        font-size: 0.95rem;
+        line-height: 1.5;
+    }}
+
+    /* Modern Chat Input Styling */
+    section[data-testid="stChatInput"] {{
+        padding-bottom: 2rem !important;
+    }}
+    
+    section[data-testid="stChatInput"] > div {{
+        background-color: transparent !important;
+    }}
+
+    section[data-testid="stChatInput"] textarea {{
+        background-color: {colors['input_bg']} !important;
+        border: 1px solid {colors['border']} !important;
+        border-radius: 25px !important;
+        padding: 12px 20px !important;
+        color: {colors['text']} !important;
+        box-shadow: 0 4px 12px {colors['shadow']} !important;
+        transition: all 0.3s ease;
+    }}
+
+    section[data-testid="stChatInput"] textarea:focus {{
+        border-color: {colors['primary']} !important;
+        box-shadow: 0 4px 15px rgba(59, 130, 246, 0.3) !important;
+    }}
+    
+    /* Disable default Streamlit fading on rapid updates */
+    div[data-testid="stVerticalBlock"] > div,
+    div[data-testid="stVerticalBlock"],
+    div.element-container, 
+    div.stMarkdown, 
+    div[data-testid="stMarkdownContainer"],
+    div[data-testid="stChatMessage"] {{
+        transition: none !important;
+        animation: none !important;
+        opacity: 1 !important;
+    }}
+    
+    * {{
+        animation: none !important;
+    }}
+
+    </style>
+    """, unsafe_allow_html=True)
+
+def init_session_state():
+    if "users" not in st.session_state:
+        st.session_state.users = get_persisted_users()
+    
+    if "logged_in" not in st.session_state:
+        last_user = get_active_session()
+        if last_user and last_user in st.session_state.users:
+            st.session_state.logged_in = True
+            st.session_state.username = last_user
+            st.session_state.email = st.session_state.users[last_user]["email"]
+        else:
+            st.session_state.logged_in = False
+    
+    if "theme" not in st.session_state:
+        st.session_state.theme = "light"
+    
+    apply_custom_style(st.session_state.theme)
+            
+    if "username" not in st.session_state:
+        st.session_state.username = ""
+    if "email" not in st.session_state:
+        st.session_state.email = ""
+    if "current_page" not in st.session_state:
+        st.session_state.current_page = "login"
+    if "chat_sessions" not in st.session_state:
+        if st.session_state.logged_in and st.session_state.username:
+            st.session_state.chat_sessions = get_all_chat_sessions(st.session_state.username)
+        else:
+            st.session_state.chat_sessions = []
+    if "current_chat_id" not in st.session_state:
+        st.session_state.current_chat_id = None
+    if "messages" not in st.session_state:
+        st.session_state.messages = []
+    if "balance" not in st.session_state:
+        st.session_state.balance = 850000.00
+    if "interest_rate" not in st.session_state:
+        st.session_state.interest_rate = 6.5
+    if "accrued_interest" not in st.session_state:
+        st.session_state.accrued_interest = 55000.00
+    if "active_loans" not in st.session_state:
+        st.session_state.active_loans = 2
+    if "total_loan_amount" not in st.session_state:
+        st.session_state.total_loan_amount = 3500000.00
+
+init_session_state()
+
+def login(username, password):
+    if username in st.session_state.users:
+        if st.session_state.users[username]["password"] == password:
+            st.session_state.logged_in = True
+            st.session_state.username = username
+            st.session_state.email = st.session_state.users[username]["email"]
+            st.session_state.current_page = "dashboard"
+            st.session_state.chat_sessions = get_all_chat_sessions(username)
+            save_active_session(username)
+            return True
+    return False
+
+def signup(username, email, password):
+    if username in st.session_state.users:
+        return False, "Username already exists"
+    
+    st.session_state.users[username] = {
+        "email": email,
+        "password": password
+    }
+    persist_user(username, email, password)
+    return True, "Account created successfully!"
+
+def logout():
+    st.session_state.logged_in = False
+    st.session_state.username = ""
+    st.session_state.email = ""
+    st.session_state.current_page = "login"
+    st.session_state.messages = []
+    st.session_state.current_chat_id = None
+    clear_active_session()
+
+def get_mock_transactions():
+    dates = pd.date_range(end=pd.Timestamp.now(), periods=30, freq='D')
+    
+    types = []
+    amounts = []
+    cats = []
+    for _ in range(30):
+        if np.random.random() > 0.8:
+            types.append("Income")
+            cats.append(np.random.choice(["Salary", "Investment", "Refund"]))
+            amounts.append(round(float(np.random.uniform(5000, 25000)), 2))
+        else:
+            types.append("Expense")
+            cats.append(np.random.choice(["Food", "Rent", "Shopping", "Transport", "Entertainment", "Utilities"]))
+            amounts.append(round(float(np.random.uniform(100, 5000)), 2))
+            
+    data = {"Date": dates, "Category": cats, "Type": types, "Amount": amounts}
+    return pd.DataFrame(data)
+
+def show_login_page():
+    col1, col2, col3 = st.columns([1, 2, 1])
+    with col2:
+        st.title("🏦 Central Bank AI")
+        st.subheader("Login")
+        st.divider()
+        
+        with st.form("login_form"):
+            username = st.text_input("Username", placeholder="Enter your username")
+            password = st.text_input("Password", type="password", placeholder="Enter your password")
+            submit = st.form_submit_button("Login", use_container_width=True, type="primary")
+            
+            if submit:
+                if login(username, password):
+                    st.success("Login successful!")
+                    st.rerun()
+                else:
+                    st.error("Invalid username or password")
+        
+        st.divider()
+        if st.button("Don't have an account? Sign Up", use_container_width=True):
+            st.session_state.current_page = "signup"
+            st.rerun()
+
+def show_signup_page():
+    col1, col2, col3 = st.columns([1, 2, 1])
+    with col2:
+        st.title("🏦 Central Bank AI")
+        st.subheader("Create Account")
+        st.divider()
+        
+        with st.form("signup_form"):
+            username = st.text_input("Username", placeholder="Choose a username")
+            email = st.text_input("Email", placeholder="Enter your email")
+            password = st.text_input("Password", type="password", placeholder="Create a password")
+            confirm_password = st.text_input("Confirm Password", type="password", placeholder="Re-enter your password")
+            submit = st.form_submit_button("Create Account", use_container_width=True, type="primary")
+            
+            if submit:
+                if not username or not email or not password or not confirm_password:
+                    st.error("All fields are required")
+                elif password != confirm_password:
+                    st.error("Passwords do not match")
+                else:
+                    success, msg = signup(username, email, password)
+                    if success:
+                        st.success(msg)
+                        st.info("Please login with your credentials")
+                        st.session_state.current_page = "login"
+                        time.sleep(1)
+                        st.rerun()
+                    else:
+                        st.error(msg)
+        
+        st.divider()
+        if st.button("Already have an account? Login", use_container_width=True):
+            st.session_state.current_page = "login"
+            st.rerun()
+
+def show_dashboard():
+    with st.sidebar:
+        st.markdown(f"""
+        <div style="padding: 0 0 1rem 0; text-align: center;">
+            <div style="font-size: 2.5rem; margin-bottom: 0.5rem;">🏦</div>
+            <h2 style="margin: 0; font-size: 1.3rem !important; font-family: 'Poppins', sans-serif;">Central Bank AI</h2>
+        </div>
+        """, unsafe_allow_html=True)
+        
+        # User Info Section (New CSS Class)
+        st.markdown(f"""
+        <div class="user-card">
+            <div class="user-avatar">
+                {st.session_state.username[0].upper() if st.session_state.username else 'U'}
+            </div>
+            <div>
+                <div class="user-name">{st.session_state.username}</div>
+                <div class="user-email">{st.session_state.email}</div>
+            </div>
+        </div>
+        """, unsafe_allow_html=True)
+
+        if "current_tab" not in st.session_state:
+            st.session_state.current_tab = "Dashboard"
+
+        st.markdown("<div class='section-title'>Navigation</div>", unsafe_allow_html=True)
+        
+        nav_btn_style1 = "primary" if st.session_state.current_tab == "Dashboard" else "secondary"
+        nav_btn_style2 = "primary" if st.session_state.current_tab == "Banking Assistant" else "secondary"
+        
+        if st.button("📊 Dashboard", use_container_width=True, type=nav_btn_style1):
+            st.session_state.current_tab = "Dashboard"
+            st.rerun()
+            
+        if st.button("� Banking Assistant", use_container_width=True, type=nav_btn_style2):
+            st.session_state.current_tab = "Banking Assistant"
+            st.rerun()
+            
+        page = st.session_state.current_tab
+        
+        st.markdown("<div style='margin-bottom: 24px;'></div>", unsafe_allow_html=True)
+
+        st.markdown("<div class='logout-btn'>", unsafe_allow_html=True)
+        if st.button("Logout", use_container_width=True):
+            logout()
+            st.rerun()
+        st.markdown("</div>", unsafe_allow_html=True)
+
+        # Push Chat History to the bottom
+        st.markdown("<div style='flex-grow: 1; min-height: 40px;'></div>", unsafe_allow_html=True) 
+        
+        st.markdown("<div class='section-title'>Recent Chats</div>", unsafe_allow_html=True)
+        
+        new_col, clear_col = st.columns([1, 1])
+        with new_col:
+            if st.button("➕ New Chat", use_container_width=True):
+                st.session_state.messages = []
+                st.session_state.current_chat_id = None
+                st.rerun()
+        with clear_col:
+            if st.session_state.chat_sessions and st.button("🗑️ Clear All", use_container_width=True):
+                clear_all_chat_history(st.session_state.username, st.session_state)
+                st.session_state.messages = []
+                st.session_state.current_chat_id = None
+                st.rerun()
+
+        # Chat Sessions
+        st.markdown("<div class='chat-history-container'>", unsafe_allow_html=True)
+        if st.session_state.chat_sessions:
+            # Display only top 5 initially, or all if "show_all_chats" is True
+            if "show_all_chats" not in st.session_state:
+                st.session_state.show_all_chats = False
+            
+            display_chats = st.session_state.chat_sessions if st.session_state.show_all_chats else st.session_state.chat_sessions[:5]
+            
+            for chat in display_chats:
+                preview = chat.get('preview', 'No messages')
+                chat_id = chat['session_id']
+                
+                chat_col1, chat_col2 = st.columns([4, 1])
+                with chat_col1:
+                    if st.button(f"📄 {preview}", key=f"chat_{chat_id}", use_container_width=True):
+                        st.session_state.messages = chat['messages']
+                        st.session_state.current_chat_id = chat_id
+                        st.rerun()
+                with chat_col2:
+                    if st.button("❌", key=f"del_{chat_id}", use_container_width=True):
+                        delete_chat_session(st.session_state.username, st.session_state, chat_id)
+                        if st.session_state.current_chat_id == chat_id:
+                            st.session_state.messages = []
+                            st.session_state.current_chat_id = None
+                        st.rerun()
+            
+            # Show "See all" button if there are more than 5 chats
+            if len(st.session_state.chat_sessions) > 5:
+                if st.session_state.show_all_chats:
+                    if st.button("See Less", use_container_width=True):
+                        st.session_state.show_all_chats = False
+                        st.rerun()
+                else:
+                    if st.button(f"See All ({len(st.session_state.chat_sessions)})", use_container_width=True):
+                        st.session_state.show_all_chats = True
+                        st.rerun()
+        else:
+            st.caption("No recent chats")
+        st.markdown("</div>", unsafe_allow_html=True)
+
+    st.title("Dashboard" if page == "Dashboard" else "Banking Assistant")
+    
+    if page == "Dashboard":
+        st.markdown("## 📊 Dashboard Overview")
+        
+        # Custom Metric Cards
+        st.markdown(f"""
+        <div style="display: flex; gap: 20px; margin-bottom: 2rem;">
+            <div class="bank-card" style="flex: 1; text-align: center;">
+                <div style="color: {st.session_state.colors['text_secondary']}; font-size: 0.9rem; margin-bottom: 8px;">Account Balance</div>
+                <div style="font-size: 1.8rem; font-weight: 700;">{format_currency(st.session_state.balance)}</div>
+            </div>
+            <div class="bank-card" style="flex: 1; text-align: center;">
+                <div style="color: {st.session_state.colors['text_secondary']}; font-size: 0.9rem; margin-bottom: 8px;">Interest Rate</div>
+                <div style="font-size: 1.8rem; font-weight: 700;">{st.session_state.interest_rate}%</div>
+            </div>
+            <div class="bank-card" style="flex: 1; text-align: center;">
+                <div style="color: {st.session_state.colors['text_secondary']}; font-size: 0.9rem; margin-bottom: 8px;">Active Loans</div>
+                <div style="font-size: 1.8rem; font-size: 1.8rem; font-weight: 700;">{st.session_state.active_loans}</div>
+            </div>
+        </div>
+        """, unsafe_allow_html=True)
+        
+        st.markdown("<div style='margin-bottom: 2rem;'></div>", unsafe_allow_html=True)
+
+        # 2 & 3. Insights & Health Score
+        col_health, col_insights = st.columns(2)
+        with col_health:
+            st.markdown(f"""
+            <div class="bank-card" style="height: 100%;">
+                <h3 style="margin-top:0;">🟢 Financial Health Score</h3>
+                <div style="font-size: 2.5rem; font-weight: 700; color: {st.session_state.colors['primary']};">78 <span style="font-size: 1rem; color: {st.session_state.colors['text_secondary']};">/ 100</span></div>
+                <div style="margin-top: 10px; font-size: 0.95rem; color: {st.session_state.colors['text_secondary']};">
+                    <div style="margin-bottom: 4px;">✓ Good savings ratio</div>
+                    <div style="margin-bottom: 4px;">✓ Low EMI burden</div>
+                    <div>✓ Stable spending</div>
+                </div>
+            </div>
+            """, unsafe_allow_html=True)
+            
+        with col_insights:
+            st.markdown(f"""
+            <div class="bank-card" style="height: 100%;">
+                <h3 style="margin-top:0;">💡 Smart Insights</h3>
+                <div style="margin-top: 15px; font-size: 0.95rem; line-height: 1.6;">
+                    <div style="margin-bottom: 8px;">📈 This month your spending increased by <b>12%</b> compared to last month.</div>
+                    <div style="margin-bottom: 8px;">🛍️ Most spending category: <b>Shopping</b>.</div>
+                    <div>⚠️ EMI due in <b>5 days</b>.</div>
+                </div>
+            </div>
+            """, unsafe_allow_html=True)
+            
+        st.markdown("<div style='margin-bottom: 1rem;'></div>", unsafe_allow_html=True)
+            
+        # 4 & 5. Net Worth & Upcoming Dues
+        col_nw, col_dues = st.columns(2)
+        with col_nw:
+            st.markdown(f"""
+            <div class="bank-card" style="height: 100%;">
+                <h3 style="margin-top:0;">💎 Net Worth</h3>
+                <div style="display: flex; justify-content: space-between; margin-bottom: 8px; font-size: 1rem;">
+                    <span style="color: {st.session_state.colors['text_secondary']};">Assets (Savings + FD + Investments)</span>
+                    <span style="font-weight: 600; color: {st.session_state.colors['success']};">{format_currency(st.session_state.balance + 3500000)}</span>
+                </div>
+                <div style="display: flex; justify-content: space-between; margin-bottom: 16px; border-bottom: 1px solid {st.session_state.colors['border']}; padding-bottom: 12px; font-size: 1rem;">
+                    <span style="color: {st.session_state.colors['text_secondary']};">Liabilities (Loans + Credit Dues)</span>
+                    <span style="font-weight: 600; color: {st.session_state.colors['danger']};">{format_currency(st.session_state.total_loan_amount)}</span>
+                </div>
+                <div style="display: flex; justify-content: space-between; align-items: center;">
+                    <span style="font-weight: 600; font-size: 1.1rem;">Total Net Worth</span>
+                    <span style="font-size: 1.5rem; font-weight: 700; color: {st.session_state.colors['primary']};">{format_currency(st.session_state.balance + 3500000 - st.session_state.total_loan_amount)}</span>
+                </div>
+            </div>
+            """, unsafe_allow_html=True)
+
+        with col_dues:
+            st.markdown(f"""
+            <div class="bank-card" style="height: 100%;">
+                <h3 style="margin-top:0;">📅 Upcoming Payments</h3>
+                <div style="margin-top: 15px; font-size: 1rem; line-height: 1.6;">
+                    <div style="display: flex; justify-content: space-between; margin-bottom: 12px;">
+                        <span>Home Loan EMI</span>
+                        <div><span style="font-weight: 600;">₹12,000</span> <span style="font-size: 0.85rem; color: {st.session_state.colors['text_secondary']};">due 5 Mar</span></div>
+                    </div>
+                    <div style="display: flex; justify-content: space-between; margin-bottom: 12px;">
+                        <span>Credit Card Bill</span>
+                        <div><span style="font-weight: 600;">₹8,400</span> <span style="font-size: 0.85rem; color: {st.session_state.colors['text_secondary']};">due 9 Mar</span></div>
+                    </div>
+                    <div style="display: flex; justify-content: space-between;">
+                        <span>Electricity Bill</span>
+                        <div><span style="font-weight: 600;">₹1,500</span> <span style="font-size: 0.85rem; color: {st.session_state.colors['text_secondary']};">due 2 Mar</span></div>
+                    </div>
+                </div>
+            </div>
+            """, unsafe_allow_html=True)
+
+        st.divider()
+        
+        # Visualizations
+        col_left, col_right = st.columns([2, 1])
+        df = get_mock_transactions()
+        
+        with col_left:
+            st.write("### 📉 Income vs Expenses")
+            daily_data = df.groupby(['Date', 'Type'])['Amount'].sum().reset_index()
+            fig_bar = px.bar(
+                daily_data, 
+                x='Date', 
+                y='Amount', 
+                color='Type',
+                barmode='group',
+                color_discrete_map={"Income": st.session_state.colors['success'], "Expense": st.session_state.colors['danger']}
+            )
+            fig_bar.update_layout(margin=dict(t=0, b=0, l=0, r=0), height=300, paper_bgcolor="rgba(0,0,0,0)", plot_bgcolor="rgba(0,0,0,0)", showlegend=True, legend=dict(orientation="h", yanchor="bottom", y=1.02, xanchor="right", x=1))
+            if st.session_state.theme == "dark":
+                fig_bar.update_layout(font_color="white")
+            else:
+                fig_bar.update_layout(font_color="black")
+            st.plotly_chart(fig_bar, use_container_width=True)
+            
+        with col_right:
+            st.write("### 🍰 Expenses Breakdown")
+            expense_df = df[df['Type'] == 'Expense']
+            if expense_df.empty:
+                st.info("No expenses recorded yet.")
+            else:
+                category_data = expense_df.groupby('Category')['Amount'].sum().reset_index()
+                fig = px.pie(
+                    category_data, 
+                    values='Amount', 
+                    names='Category',
+                    hole=0.4,
+                    color_discrete_sequence=[st.session_state.colors['primary'], st.session_state.colors['secondary'], '#38bdf8', '#818cf8', '#a78bfa', '#f472b6']
+                )
+                fig.update_layout(
+                    margin=dict(t=0, b=0, l=0, r=0), 
+                    height=300,
+                    showlegend=False
+                )
+                # Ensure transparent background for the chart
+                fig.update_layout(paper_bgcolor="rgba(0,0,0,0)", plot_bgcolor="rgba(0,0,0,0)")
+                if st.session_state.theme == "dark":
+                    fig.update_layout(font_color="white")
+                else:
+                    fig.update_layout(font_color="black")
+                    
+                st.plotly_chart(fig, use_container_width=True)
+
+        st.divider()
+        
+        # Consolidated Transactions
+        st.markdown("### 📝 Recent Transaction History")
+        st.dataframe(
+            df.sort_values(by="Date", ascending=False), 
+            use_container_width=True, 
+            hide_index=True
+        )
+
+    else:
+        is_connected = check_ollama_connection()
+        col_h1, col_h2 = st.columns([4, 1])
+        with col_h2:
+            backend = get_active_backend()
+            if is_connected:
+                label = "☁️ Groq AI" if backend == "groq" else "🟢 Ollama"
+                st.markdown(f'<div class="status-badge status-online"><span>●</span> {label}</div>', unsafe_allow_html=True)
+            else:
+                st.markdown('<div class="status-badge status-offline"><span>○</span> Offline</div>', unsafe_allow_html=True)
+        
+        st.markdown("<div style='margin-top: 1rem;'></div>", unsafe_allow_html=True)
+        
+        # FAQ Suggestions
+        st.markdown("<div style='margin-bottom: 10px; font-size: 0.9rem; color: #64748b;'><strong>Popular Questions:</strong></div>", unsafe_allow_html=True)
+        
+        faq_row1_col1, faq_row1_col2, faq_row1_col3 = st.columns(3)
+        with faq_row1_col1:
+            if st.button("💰 Balance?", use_container_width=True):
+                st.session_state.faq_trigger = "What is my balance?"
+                st.rerun()
+        with faq_row1_col2:
+            if st.button("📈 Interest?", use_container_width=True):
+                st.session_state.faq_trigger = "What are the current interest rates?"
+                st.rerun()
+        with faq_row1_col3:
+            if st.button("📞 Support", use_container_width=True):
+                st.session_state.faq_trigger = "How do I contact customer care?"
+                st.rerun()
+        
+        faq_row2_col1, faq_row2_col2, faq_row2_col3 = st.columns(3)
+        with faq_row2_col1:
+            if st.button("🕒 Hours", use_container_width=True):
+                st.session_state.faq_trigger = "What are the working hours?"
+                st.rerun()
+        with faq_row2_col2:
+            if st.button("🏦 Min Bal", use_container_width=True):
+                st.session_state.faq_trigger = "What is the minimum balance?"
+                st.rerun()
+        with faq_row2_col3:
+            if st.button("📋 FD Rates", use_container_width=True):
+                st.session_state.faq_trigger = "What are the FD rates?"
+                st.rerun()
+            
+        chat_container = st.container(height=400, border=False)
+        
+        with chat_container:
+            for message in st.session_state.messages:
+                role = message["role"]
+                if role == "user":
+                    st.markdown(f'<div class="user-bubble">{message["content"]}</div>', unsafe_allow_html=True)
+                else:
+                    st.markdown(f'<div class="ai-bubble">{message["content"]}</div>', unsafe_allow_html=True)
+
+        prompt = st.chat_input("Ask about your finances or banking services...")
+        
+        if getattr(st.session_state, 'faq_trigger', None):
+            prompt = st.session_state.faq_trigger
+            st.session_state.faq_trigger = None
+            
+        if prompt:
+            st.session_state.messages.append({"role": "user", "content": prompt})
+            
+            with chat_container:
+                st.markdown(f'<div class="user-bubble">{prompt}</div>', unsafe_allow_html=True)
+                
+                faq_response = get_faq_response(prompt)
+                
+                res_box = st.empty()
+                full_response = ""
+                
+                if faq_response:
+                    full_response = faq_response
+                    res_box.markdown(f'<div class="ai-bubble">{full_response}</div>', unsafe_allow_html=True)
+                elif is_banking_query(prompt):
+                    if check_ollama_connection():
+                        last_update_time = time.time()
+                        for chunk in stream_ai_response(prompt, history=st.session_state.messages[:-1]):
+                            if chunk:
+                                full_response += chunk
+                                current_time = time.time()
+                                if current_time - last_update_time > 0.05:
+                                    res_box.markdown(f'<div class="ai-bubble">{full_response}▌</div>', unsafe_allow_html=True)
+                                    last_update_time = current_time
+                        
+                        res_box.markdown(f'<div class="ai-bubble">{full_response}</div>', unsafe_allow_html=True)
+                    else:
+                        full_response = "I'm having trouble reaching the AI engine right now. However, I can still help with basic queries like your balance or interest rates. How can I assist you?"
+                        res_box.markdown(f'<div class="ai-bubble">{full_response}</div>', unsafe_allow_html=True)
+                else:
+                    # Non-banking refusal
+                    full_response = "I am a banking assistant and can only answer banking-related queries. Please feel free to ask about accounts, loans, cards, or other financial services."
+                    res_box.markdown(f'<div class="ai-bubble">{full_response}</div>', unsafe_allow_html=True)
+            
+            if not full_response:
+                full_response = "I'm having trouble reaching the main AI engine right now. However, I can still help with basic queries like your balance or interest rates. How can I assist you?"
+            
+            st.session_state.messages.append({"role": "assistant", "content": full_response})
+            # Save using the persistent utility
+            new_id = save_chat_session(st.session_state.username, st.session_state, st.session_state.messages, st.session_state.current_chat_id)
+            if not st.session_state.current_chat_id:
+                st.session_state.current_chat_id = new_id
+            
+            st.rerun()
+
+if not st.session_state.logged_in:
+    if st.session_state.current_page == "login":
+        show_login_page()
+    elif st.session_state.current_page == "signup":
+        show_signup_page()
+else:
+    show_dashboard()

data/intents.json

@@ -0,0 +1,326 @@
+{
+  "intents": [
+    {
+      "tag": "greetings",
+      "patterns": [
+        "hi",
+        "hello",
+        "hey",
+        "good morning",
+        "good afternoon",
+        "good evening",
+        "is anyone there?",
+        "hello central bank ai"
+      ],
+      "responses": [
+        "Hello! Welcome to Central Bank AI. How can I assist you with your banking needs today?",
+        "Hi there! I'm your Central Bank virtual assistant. What can I do for you?"
+      ]
+    },
+    {
+      "tag": "goodbye",
+      "patterns": [
+        "bye",
+        "goodbye",
+        "see you later",
+        "thanks for the help",
+        "thank you",
+        "that's all"
+      ],
+      "responses": [
+        "Thank you for choosing Central Bank. Have a great day!",
+        "Goodbye! Feel free to reach out if you have more questions."
+      ]
+    },
+    {
+      "tag": "account_opening",
+      "patterns": [
+        "how to open account",
+        "create new bank account",
+        "open savings account",
+        "steps to open account",
+        "account opening procedure",
+        "documents for account",
+        "required documents",
+        "what documents do i need"
+      ],
+      "responses": [
+        "You can open a savings account online via our website or mobile app by providing your Aadhaar and PAN. Alternatively, visit any branch with your ID and address proof.",
+        "To open an account, you will need a valid ID (Aadhaar/Passport), PAN card, and proof of residence."
+      ]
+    },
+    {
+      "tag": "balance_enquiry",
+      "patterns": [
+        "balance",
+        "check balance",
+        "check my balance",
+        "what is my balance",
+        "account balance",
+        "how much money in my account",
+        "view balance"
+      ],
+      "responses": [
+        "Your current account balance is displayed on your dashboard. You can also check it via SMS banking or by calling our toll-free number.",
+        "To view your balance, simply log in to your dashboard or use our mobile banking app."
+      ]
+    },
+    {
+      "tag": "fund_transfer",
+      "patterns": [
+        "transfer money",
+        "send funds",
+        "how to transfer money",
+        "make a payment",
+        "wire transfer",
+        "neft rtgs imps"
+      ],
+      "responses": [
+        "You can transfer funds via NEFT, RTGS, or IMPS through the 'Transfer Money' section in your dashboard.",
+        "For instant transfers, use IMPS or UPI. For larger amounts, NEFT or RTGS are recommended."
+      ]
+    },
+    {
+      "tag": "debit_card",
+      "patterns": [
+        "debit card",
+        "apply for debit card",
+        "new debit card",
+        "block debit card",
+        "lost card"
+      ],
+      "responses": [
+        "You can manage your debit card, including blocking it or requesting a new one, under the 'Cards' section of your dashboard.",
+        "If your debit card is lost or stolen, please block it immediately via the app or call 1800-111-2222."
+      ]
+    },
+    {
+      "tag": "credit_card",
+      "patterns": [
+        "credit card",
+        "apply for credit card",
+        "credit card limit",
+        "pay credit card bill",
+        "credit card offers"
+      ],
+      "responses": [
+        "Apply for various credit cards through our 'Cards' portal. You can also view your statements and pay bills there.",
+        "Check your eligibility for a credit card increase in the 'Card Services' section."
+      ]
+    },
+    {
+      "tag": "atm_issues",
+      "patterns": [
+        "atm problem",
+        "money not dispensed",
+        "atm card stuck",
+        "atm pin reset",
+        "atm transaction failure"
+      ],
+      "responses": [
+        "If cash was not dispensed but debited, it will usually be reversed within 24-48 hours. If not, please lodge a complaint in the app.",
+        "You can reset your ATM PIN at any Central Bank ATM or via Internet Banking."
+      ]
+    },
+    {
+      "tag": "internet_banking",
+      "patterns": [
+        "internet banking",
+        "net banking",
+        "how to register for net banking",
+        "net banking login issues"
+      ],
+      "responses": [
+        "Register for Internet Banking online using your debit card and account details on our official website.",
+        "Ensure you never share your Internet Banking password or OTP with anyone."
+      ]
+    },
+    {
+      "tag": "mobile_banking",
+      "patterns": [
+        "mobile banking",
+        "banking app",
+        "how to use app",
+        "mobile app support"
+      ],
+      "responses": [
+        "Download our official mobile banking app from the Play Store or App Store for secure on-the-go banking.",
+        "Our mobile app allows you to manage accounts, pay bills, and transfer funds instantly."
+      ]
+    },
+    {
+      "tag": "loan_information",
+      "patterns": [
+        "loan",
+        "personal loan",
+        "home loan",
+        "car loan",
+        "loan eligibility",
+        "apply for loan"
+      ],
+      "responses": [
+        "We offer a range of loans including Home, Personal, and Education loans at competitive interest rates. Apply online via the 'Loans' tab.",
+        "Check your loan eligibility and required documents in the 'Loan Center' section of your dashboard."
+      ]
+    },
+    {
+      "tag": "emi_calculation",
+      "patterns": [
+        "emi",
+        "calculate emi",
+        "loan calculator",
+        "monthly installment"
+      ],
+      "responses": [
+        "Use our EMI Calculator on the website to estimate your monthly installments based on loan amount, interest, and tenure.",
+        "For a ₹10 lakh loan at 9% for 5 years, your approximate EMI would be around ₹20,758."
+      ]
+    },
+    {
+      "tag": "fixed_deposit",
+      "patterns": [
+        "fd",
+        "fixed deposit",
+        "fd interest rates",
+        "open fd",
+        "recurring deposit"
+      ],
+      "responses": [
+        "Open a Fixed Deposit (FD) instantly via Net Banking. Current interest rates are up to 7.5% per annum.",
+        "The minimum amount to open an FD is ₹5,000, and you can choose tenures from 7 days to 10 years."
+      ]
+    },
+    {
+      "tag": "kyc_update",
+      "patterns": [
+        "kyc",
+        "update kyc",
+        "kyc documents",
+        "re-kyc"
+      ],
+      "responses": [
+        "Update your KYC details by uploading self-attested documents like Aadhaar and PAN via our 'Profile' section.",
+        "KYC updates are mandatory every few years. You can complete it digitally without visiting the branch."
+      ]
+    },
+    {
+      "tag": "password_reset",
+      "patterns": [
+        "reset password",
+        "forgot password",
+        "change login password",
+        "password recovery"
+      ],
+      "responses": [
+        "Reset your password using the 'Forgot Password' link on the login page. You'll need your registered email/mobile.",
+        "For security, we recommend changing your banking password every 90 days."
+      ]
+    },
+    {
+      "tag": "upi_issues",
+      "patterns": [
+        "upi problem",
+        "upi payment failed",
+        "upi id",
+        "wrong upi transfer"
+      ],
+      "responses": [
+        "If a UPI transaction fails, the amount is usually refunded within 3-5 business days. Check the transaction status in your UPI app.",
+        "You can create or manage your UPI ID in the 'Payments' section of our mobile app."
+      ]
+    },
+    {
+      "tag": "transaction_failure",
+      "patterns": [
+        "transaction failed",
+        "payment declined",
+        "failed payment",
+        "money debited but not received"
+      ],
+      "responses": [
+        "Payment failures can occur due to network issues or insufficient funds. Check your 'Transaction History' for details.",
+        "If money was debited for a failed transaction, it will be automatically credited back within 48-72 hours."
+      ]
+    },
+    {
+      "tag": "charges_fees",
+      "patterns": [
+        "charges",
+        "bank fees",
+        "service charges",
+        "minimum balance penalty",
+        "transaction fees"
+      ],
+      "responses": [
+        "View our full schedule of charges on the website under 'Rates and Services'.",
+        "Maintain a minimum average balance of ₹10,000 to avoid non-maintenance charges."
+      ]
+    },
+    {
+      "tag": "cheque_book_request",
+      "patterns": [
+        "cheque book",
+        "order cheque book",
+        "stop cheque",
+        "cheque status"
+      ],
+      "responses": [
+        "You can request a new cheque book through the 'Services' tab. It will be delivered within 5 working days.",
+        "To stop a cheque payment, log in to Net Banking and go to the Cheque Services section."
+      ]
+    },
+    {
+      "tag": "branch_locator",
+      "patterns": [
+        "find branch",
+        "branch near me",
+        "ifsc code",
+        "bank address",
+        "branch timing"
+      ],
+      "responses": [
+        "Use the 'Branch Locator' on our website to find the nearest branch and its IFSC code.",
+        "Our branches are typically open from 9:30 AM to 4:30 PM on weekdays."
+      ]
+    },
+    {
+      "tag": "interest_rates",
+      "patterns": [
+        "interest",
+        "interest rates",
+        "current interest rates",
+        "savings interest",
+        "loan interest"
+      ],
+      "responses": [
+        "Our current savings account interest rate is 4.0% p.a., while Fixed Deposits offer up to 7.5% p.a. depending on the tenure.",
+        "Interest rates vary by product. Savings accounts currently offer 4.0%, and personal loans start at 10.5% p.a."
+      ]
+    },
+    {
+      "tag": "customer_support",
+      "patterns": [
+        "customer care",
+        "contact bank",
+        "helpline",
+        "support number",
+        "email support",
+        "call number",
+        "helpline number",
+        "support call no"
+      ],
+      "responses": [
+        "Reach our 24/7 customer support at 1800-444-5555 or email us at customercare@centralbank.com.",
+        "Our help desks at branches are available during business hours for in-person assistance."
+      ]
+    },
+    {
+      "tag": "fallback",
+      "patterns": [],
+      "responses": [
+        "I'm sorry, I didn't quite understand that. Could you please rephrase your banking-related question?",
+        "I'm not sure how to help with that. As a banking assistant, I can help you with accounts, loans, cards, and more. What would you like to know?"
+      ]
+    }
+  ]
+}

ollama_integration.py

@@ -0,0 +1,201 @@
+import os
+import requests
+import json
+import time
+
+# Auto-detect backend: Groq if API key is set, otherwise Ollama
+GROQ_API_KEY = os.environ.get("GROQ_API_KEY", "")
+USE_GROQ = bool(GROQ_API_KEY)
+
+BANKING_KEYWORDS = [
+    "account", "loan", "card", "balance",
+    "transfer", "bank", "interest", "emi",
+    "credit", "debit", "kyc", "upi", "cheque",
+    "deposit", "fd", "rd", "branch", "ifsc",
+    "transaction", "payment", "savings", "checking",
+    "mortgage", "investment", "fintech", "wallet",
+    "rate", "rates", "support", "customer", "care",
+    "help", "contact", "helpline", "number", "call",
+    "document", "required", "identity", "proof", "open"
+]
+
+SYSTEM_PROMPT = """You are BankBot, a professional banking assistant.
+You ONLY answer banking-related questions.
+If the question is not related to banking, politely refuse.
+Never answer questions about politics, sports, entertainment, coding, or personal advice.
+Please provide clear, professional, and helpful responses."""
+
+
+def is_banking_query(user_input):
+    input_lower = user_input.lower()
+    return any(word in input_lower for word in BANKING_KEYWORDS)
+
+
+def get_active_backend():
+    """Returns 'groq' if GROQ_API_KEY is set, otherwise 'ollama'."""
+    return "groq" if USE_GROQ else "ollama"
+
+
+# ─── Groq AI Functions ────────────────────────────────────────────────────────
+
+def get_groq_response(prompt, history=None, model="llama-3.3-70b-versatile"):
+    """Fetches a response from Groq AI API."""
+    try:
+        from groq import Groq
+        client = Groq(api_key=GROQ_API_KEY)
+
+        messages = [{"role": "system", "content": SYSTEM_PROMPT}]
+
+        if history:
+            for msg in history[-5:]:
+                if msg.get("role") and msg.get("content"):
+                    messages.append({"role": msg["role"], "content": msg["content"]})
+
+        messages.append({"role": "user", "content": prompt})
+
+        response = client.chat.completions.create(
+            model=model,
+            messages=messages,
+            temperature=0.1,
+            max_tokens=1000,
+        )
+        return response.choices[0].message.content
+    except Exception as e:
+        print(f"Groq Error: {e}")
+        return None
+
+
+def stream_groq_response(prompt, history=None, model="llama-3.3-70b-versatile"):
+    """Yields streamed response chunks from Groq AI API."""
+    try:
+        from groq import Groq
+        client = Groq(api_key=GROQ_API_KEY)
+
+        messages = [{"role": "system", "content": SYSTEM_PROMPT}]
+
+        if history:
+            for msg in history[-5:]:
+                if msg.get("role") and msg.get("content"):
+                    messages.append({"role": msg["role"], "content": msg["content"]})
+
+        messages.append({"role": "user", "content": prompt})
+
+        stream = client.chat.completions.create(
+            model=model,
+            messages=messages,
+            temperature=0.1,
+            max_tokens=1000,
+            stream=True,
+        )
+        for chunk in stream:
+            content = chunk.choices[0].delta.content
+            if content:
+                yield content
+    except Exception as e:
+        print(f"Groq Stream Error: {e}")
+        yield None
+
+
+# ─── Ollama Functions ─────────────────────────────────────────────────────────
+
+def get_ollama_response(prompt, history=None, model="llama3:latest"):
+    """Fetches a response from a local Ollama instance."""
+    url = "http://127.0.0.1:11434/api/chat"
+    messages = [{"role": "system", "content": SYSTEM_PROMPT}]
+
+    if history:
+        for msg in history[-5:]:
+            if msg.get("role") and msg.get("content"):
+                messages.append({"role": msg["role"], "content": msg["content"]})
+
+    messages.append({"role": "user", "content": prompt})
+
+    payload = {
+        "model": model,
+        "messages": messages,
+        "stream": False,
+        "options": {"temperature": 0.1, "top_p": 0.9, "num_predict": 1000}
+    }
+
+    try:
+        response = requests.post(url, json=payload, timeout=90)
+        response.raise_for_status()
+        data = response.json()
+        return data.get("message", {}).get("content", "")
+    except Exception as e:
+        print(f"Ollama Error: {e}")
+        if model == "llama3:latest":
+            return get_ollama_response(prompt, history, model="llama3")
+        return None
+
+
+def stream_ollama_response(prompt, history=None, model="llama3:latest"):
+    """Yields chunks of the response from a local Ollama instance for streaming."""
+    url = "http://127.0.0.1:11434/api/chat"
+    messages = [{"role": "system", "content": SYSTEM_PROMPT}]
+
+    if history:
+        for msg in history[-5:]:
+            if msg.get("role") and msg.get("content"):
+                messages.append({"role": msg["role"], "content": msg["content"]})
+
+    messages.append({"role": "user", "content": prompt})
+
+    payload = {
+        "model": model,
+        "messages": messages,
+        "stream": True,
+        "options": {"temperature": 0.1, "top_p": 0.9, "num_predict": 1000}
+    }
+
+    try:
+        response = requests.post(url, json=payload, timeout=90, stream=True)
+        response.raise_for_status()
+
+        for line in response.iter_lines():
+            if line:
+                chunk = json.loads(line)
+                if 'message' in chunk and 'content' in chunk['message']:
+                    yield chunk['message']['content']
+                if chunk.get('done'):
+                    break
+    except Exception as e:
+        print(f"Ollama Stream Error: {e}")
+        if model == "llama3:latest":
+            yield from stream_ollama_response(prompt, history, model="llama3")
+        else:
+            yield None
+
+
+# ─── Unified Wrapper Functions ────────────────────────────────────────────────
+
+def get_ai_response(prompt, history=None):
+    """Auto-selects Groq or Ollama based on environment."""
+    if USE_GROQ:
+        return get_groq_response(prompt, history)
+    return get_ollama_response(prompt, history)
+
+
+def stream_ai_response(prompt, history=None):
+    """Auto-selects streaming from Groq or Ollama based on environment."""
+    if USE_GROQ:
+        yield from stream_groq_response(prompt, history)
+    else:
+        yield from stream_ollama_response(prompt, history)
+
+
+def check_ollama_connection():
+    """Checks if the local Ollama server is running."""
+    if USE_GROQ:
+        return True
+    try:
+        response = requests.get("http://127.0.0.1:11434/", timeout=2)
+        return response.status_code == 200
+    except:
+        return False
+
+
+def rewrite_banking_response(predefined_answer):
+    """Uses the active AI backend to rewrite a predefined FAQ response."""
+    prompt = f"Rewrite this banking answer to be complete and detailed according to all formal rules:\n\n{predefined_answer}"
+    return get_ai_response(prompt)

users.json

@@ -0,0 +1 @@
+{"admin": {"email": "admin@gmail.com", "password": "Admin@123"}, "mohsin": {"email": "mohsin@gmail.com", "password": "Mohsin@123"}}

utils.py

@@ -0,0 +1,231 @@
+import re
+import requests
+from datetime import datetime
+import uuid
+import json
+import os
+import random
+import streamlit as st
+from ollama_integration import (
+    get_ollama_response,
+    stream_ollama_response,
+    get_ai_response,
+    stream_ai_response,
+    get_active_backend,
+    rewrite_banking_response,
+    is_banking_query
+)
+
+USER_FILE = "users.json"
+SESSION_FILE = "session.json"
+HISTORY_FILE = "chat_history.json"
+INTENTS_FILE = os.path.join("data", "intents.json")
+
+@st.cache_data
+def load_intents():
+    if not os.path.exists(INTENTS_FILE):
+        return {"intents": []}
+    try:
+        with open(INTENTS_FILE, "r") as f:
+            return json.load(f)
+    except Exception as e:
+        print(f"Error loading intents: {e}")
+        return {"intents": []}
+
+# Global intents data, initialized from cached function
+intents_data = load_intents()
+
+def persist_user(username, email, password):
+    users = get_persisted_users()
+    users[username] = {"email": email, "password": password}
+    with open(USER_FILE, "w") as f:
+        json.dump(users, f)
+
+def get_persisted_users():
+    if not os.path.exists(USER_FILE):
+        return {}
+    try:
+        with open(USER_FILE, "r") as f:
+            return json.load(f)
+    except:
+        return {}
+
+def save_active_session(username):
+    with open(SESSION_FILE, "w") as f:
+        json.dump({"username": username}, f)
+
+def get_active_session():
+    if not os.path.exists(SESSION_FILE):
+        return None
+    try:
+        with open(SESSION_FILE, "r") as f:
+            data = json.load(f)
+            return data.get("username")
+    except:
+        return None
+
+def clear_active_session():
+    if os.path.exists(SESSION_FILE):
+        os.remove(SESSION_FILE)
+
+def validate_email(email):
+    pattern = r'^[a-zA-Z0-9._%+-]+@[a-zA-Z0-9.-]+\.[a-zA-Z]{2,}$'
+    return re.match(pattern, email) is not None
+
+def validate_password_strength(password):
+    if len(password) < 8:
+        return False, "Password must be at least 8 characters long"
+    
+    if not re.search(r'[A-Z]', password):
+        return False, "Password must contain at least one uppercase letter"
+    
+    if not re.search(r'[a-z]', password):
+        return False, "Password must contain at least one lowercase letter"
+    
+    if not re.search(r'\d', password):
+        return False, "Password must contain at least one number"
+    
+    if not re.search(r'[!@#$%^&*(),.?":{}|<>]', password):
+        return False, "Password must contain at least one special character"
+    
+    return True, "Password is strong"
+
+def format_currency(amount):
+    return f"₹{amount:,.2f}"
+
+def get_timestamp():
+    return datetime.now().strftime("%Y-%m-%d %H:%M:%S")
+
+def generate_session_id():
+    return str(uuid.uuid4())
+
+def get_chat_preview(messages, max_length=50):
+    if not messages:
+        return "Empty chat"
+    
+    for msg in messages:
+        if msg["role"] == "user":
+            content = msg["content"]
+            if len(content) > max_length:
+                return content[:max_length] + "..."
+            return content
+    
+    return "No user messages"
+
+@st.cache_data(ttl=30)
+def load_history_file():
+    if not os.path.exists(HISTORY_FILE):
+        return {}
+    try:
+        with open(HISTORY_FILE, "r") as f:
+            return json.load(f)
+    except:
+        return {}
+
+def save_history_file(history):
+    with open(HISTORY_FILE, "w") as f:
+        json.dump(history, f, indent=4)
+
+def get_all_chat_sessions(username):
+    history = load_history_file()
+    return history.get(username, [])
+
+def save_chat_session(username, session_state, messages, session_id=None):
+    if not messages or len(messages) == 0:
+        return None
+    
+    history = load_history_file()
+    user_sessions = history.get(username, [])
+    
+    if session_id:
+        # Update existing session
+        found = False
+        for session in user_sessions:
+            if session["session_id"] == session_id:
+                session["messages"] = messages
+                session["preview"] = get_chat_preview(messages)
+                session["timestamp"] = get_timestamp()
+                found = True
+                break
+        
+        # Also update in-memory session_state for immediate UI feedback
+        for session in session_state.chat_sessions:
+            if session["session_id"] == session_id:
+                session["messages"] = messages
+                session["preview"] = get_chat_preview(messages)
+                session["timestamp"] = get_timestamp()
+                break
+    else:
+        # Create new session
+        session_id = generate_session_id()
+        new_session = {
+            "session_id": session_id,
+            "timestamp": get_timestamp(),
+            "messages": messages,
+            "preview": get_chat_preview(messages)
+        }
+        user_sessions.insert(0, new_session)
+        
+        if "chat_sessions" not in session_state:
+            session_state.chat_sessions = []
+        session_state.chat_sessions.insert(0, new_session)
+
+    history[username] = user_sessions
+    save_history_file(history)
+    return session_id
+
+def load_chat_session(username, session_id):
+    user_sessions = get_all_chat_sessions(username)
+    for session in user_sessions:
+        if session["session_id"] == session_id:
+            return session["messages"]
+    return None
+
+def delete_chat_session(username, session_state, session_id):
+    history = load_history_file()
+    user_sessions = history.get(username, [])
+    
+    user_sessions = [s for s in user_sessions if s["session_id"] != session_id]
+    history[username] = user_sessions
+    save_history_file(history)
+    
+    if "chat_sessions" in session_state:
+        session_state.chat_sessions = [s for s in session_state.chat_sessions if s["session_id"] != session_id]
+    return True
+
+def clear_all_chat_history(username, session_state):
+    history = load_history_file()
+    history[username] = []
+    save_history_file(history)
+    
+    session_state.chat_sessions = []
+    return True
+
+@st.cache_data(ttl=10)
+def check_ollama_connection():
+    from ollama_integration import check_ollama_connection as _check
+    return _check()
+
+def get_faq_response(prompt):
+    """
+    Checks if the user's prompt matches any common frequently asked questions
+    using the structured intents.json data.
+    """
+    prompt_lower = prompt.lower().strip()
+    
+    if not intents_data or "intents" not in intents_data:
+        return None
+
+    # Iterate through intents to find a matching pattern
+    for intent in intents_data["intents"]:
+        for pattern in intent["patterns"]:
+            p_lower = pattern.lower()
+            # For short patterns (like 'hi'), use word boundary check
+            if len(p_lower) <= 3:
+                if re.search(rf"\b{re.escape(p_lower)}\b", prompt_lower):
+                    return random.choice(intent["responses"])
+            # For longer patterns, substring match is usually fine and more flexible
+            elif p_lower in prompt_lower:
+                return random.choice(intent["responses"])
+            
+    return None