yaya-mamoudou/Momo-Score---Buildathob-West-Africa

Application to generate credit scores from Mobile money transactions # MoMoScore 🚀 **Turn mobile money activity into an explainable trust signal.** MoMoScore is a financial identity platform designed for informal workers who lack formal credit history. By analyzing mobile money transaction messages (SMS/Chat), the app generates a deterministic trust score and provides AI-powered financial insights to help users access formal credit and opportunities. ## 🌐 Live Demo View Live Application ## ✨ Key Features - **Transaction Parser**: Extracts structured data from mock mobile money SMS/chat messages. - **Trust Scoring Engine**: Calculates a 0-100 score based on 16+ financial metrics (consistency, savings, bill payments, etc.). - **AI-Powered Insights**: Uses Gemini AI to explain financial behavior, highlighting strengths, risks, and actionable recommendations. - **Privacy First**: Analysis is performed on the data provided, with no external database requirements for the core scoring logic. - **Demo Mode**: Built-in sample profiles (Market Trader, Taxi Driver, Food Vendor) for quick testing. - **Persistent History**: Locally stored analysis history for easy comparison. ## 🛠️ Tech Stack - **Frontend**: React, Vite, Tailwind CSS, Motion (for animations), Lucide React (icons). - **Backend**: Express (serving the SPA). - **AI**: Google Gemini API via `@google/genai`. ## 🚀 Getting Started ### Prerequisites - Node.js installed. - A Gemini API Key (configured in environment variables). ### Installation 1. Clone the repository. 2. Install dependencies: ```bash npm install ``` 3. Set up your `.env` file with your `GEMINI_API_KEY`. 4. Start the development server: ```bash npm run dev ``` ## 📝 Mock Data Format The app expects messages in the following format: - `You have received 25000 XAF from Linda on 2026-04-01 at 09:42.` - `You sent 8000 XAF to Paul on 2026-04-01 at 13:10.` - `You paid 4500 XAF to ENEO on 2026-04-02 at 08:15.` --- *Built for the Financial Inclusion Hackathon.*