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🧠 AI Financial Behavior Intelligence Platform

An AI-powered financial analytics system that transforms raw transaction data into behavioral insights, financial health metrics, and risk intelligence.

Built with a full-stack architecture combining React, FastAPI, SQL, and AI-driven analytics logic.


🚀 Problem Statement

Most expense trackers only store transactions.
They don’t analyze behavior, detect risks, or provide financial intelligence.

This platform acts as a financial behavior engine, not just an expense tracker.


💡 Solution

This system ingests financial data from multiple sources and applies intelligent processing to:

  • Automatically categorize expenses
  • Calculate financial health score
  • Detect risk patterns
  • Compare budget vs actual spending
  • Generate behavioral recommendations

🏗️ System Architecture

flowchart LR
    A[Frontend - React Dashboard] -->|API Calls| B[FastAPI Backend]
    B --> C[Service Layer]
    C --> D[AI Categorization Engine]
    C --> E[Analytics Engine]
    C --> F[Budget Engine]
    D --> G[(Database)]
    E --> G
    F --> G
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⚙️ Tech Stack

Frontend

  • React + TypeScript

  • Recharts (Data Visualization)

  • Axios (API communication)

  • Tailwind CSS

Backend

  • FastAPI

  • SQLAlchemy ORM

  • Pydantic Schemas

  • REST API Architecture

  • AI / Data Intelligence

  • Rule-based NLP categorization engine

  • Financial risk analysis logic

  • Behavioral scoring model

  • Aggregation analytics pipeline

Database

  • SQL (Mysql / Postgres-ready)

Key Features

Feature Description
📂 CSV Upload Bulk transaction ingestion from files
🧠 AI Categorization Smart expense classification with confidence score
❤️ Financial Health Score Quantified financial behavior metric
⚠️ Risk Alerts Detect overspending & abnormal patterns
📊 Category Analytics Spending distribution insights
💰 Budget vs Actual Budget tracking intelligence
🤖 Recommendations Behavioral improvement suggestions

📊 Data Flow

sequenceDiagram
    User->>Frontend: Upload CSV / Add Transaction
    Frontend->>Backend: API Request
    Backend->>Categorization Service: Classify Expense
    Backend->>Database: Store Transaction
    Backend->>Analytics Engine: Compute Metrics
    Analytics Engine->>Backend: Insights
    Backend->>Frontend: Dashboard Data
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AI Categorization Logic

  • Text cleaning & normalization

  • Keyword-based intelligent matching

  • Confidence scoring

  • Fallback classification

Example:

  • "Swiggy food order" → FOOD (confidence: 0.74)

📈 Dashboard Insights

  • Financial Health Score Gauge

  • Category-wise Spending Chart

  • Budget vs Actual Pie Chart

  • Risk Alerts Panel

How to Run

Backend

  • cd backend
  • pip install -r requirements.txt
  • uvicorn app.main:app --reload

Frontend

  • cd frontend
  • npm install
  • npm run dev

📦 API Endpoints

Endpoint Purpose
/transactions/upload-csv Bulk transaction upload
/transactions Add or list transactions
/analytics/summary Full financial insights
/budgets Budget management

Engineering Highlights

  • ✔ Modular service-layer architecture
  • ✔ Clean API contracts
  • ✔ Scalable analytics pipeline
  • ✔ AI logic separated from routes
  • ✔ Frontend-backend integration
  • ✔ Production-style project structure

Future Improvements

  • ML-based expense prediction

  • Bank SMS auto parsing

  • Anomaly detection using ML

  • User authentication

  • Cloud deployment

Author

Anil Kumar Gundu

Full Stack + AI Systems Developer

About

Privacy-preserving financial behavior analysis system using data-driven insights

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