Fintech Decision Engine

A full-stack, AI-powered financial decision engine designed to help businesses manage cash flow, prioritize obligations, and simulate financial scenarios smartly.

This monorepo contains both the FastAPI Backend and the Next.js Frontend.

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Features

• Smart Data Ingestion: Upload bank CSVs or receipt images — OCR extracts and auto-categorizes everything.
• Live Financial Dashboard: See your real-time balance, runway days, and month-by-month cash flow chart.
• Decision Engine: AI scores every obligation by urgency, penalty, and relationship to determine who to pay first.
• What-If Simulator: Safely simulate payment delays without changing any real data. See the impact instantly.
• Email Generator: Auto-draft professional payment-delay emails in formal or friendly tones.
• Reports & Insights: Filter transactions by date, category, and type to understand spending patterns.

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Tech Stack

Frontend:

• Next.js (App Router)
• Tailwind CSS v4
• Chart.js + react-chartjs-2
• Axios for API requests

Backend:

• FastAPI (Python)
• SQLite database (via SQLAlchemy ORM)
• Tesseract OCR (via pytesseract)
• Pandas for CSV ingestion
• Passlib + Bcrypt + JWT (Authentication)

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Getting Started

1. Start the Backend API

Make sure you have Python 3.9+ installed.

cd fintech-backend

# Create and activate a virtual environment
python -m venv venv
# On Windows:
.\venv\Scripts\activate
# On Mac/Linux:
# source venv/bin/activate

# Install dependencies
pip install -r requirements.txt

# Seed the database with demo data (run this once)
python -m app.seed

# Start the FastAPI development server
uvicorn app.main:app --reload --port 8000

The backend API will run at http://localhost:8000. Interactive swagger docs are available at http://localhost:8000/docs.

2. Start the Frontend UI

Open a new terminal window.

cd fintech-frontend

# Install node dependencies
npm install

# Start the Next.js development server
npm run dev

The frontend application will securely run at http://localhost:3000.

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Demo Login

Use these credentials to log in and test the application with the seeded mock data:

• Email: demo@fintech.com
• Password: password123

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Repository Structure

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├── fintech-backend/              # Python FastAPI server
│   ├── app/                      # Application code (routes, services, models)
│   ├── main.py                   # FastAPI entry point
│   ├── seed.py                   # Generates mock transactions/obligations
│   └── requirements.txt          # Python dependencies
│
└── fintech-frontend/             # Next.js UI Application
    ├── app/                      # Next.js app router pages
    ├── components/               # Reusable React components
    ├── lib/                      # API Axios setup & Auth context
    └── ...                       # Standard Next.js config files