Banking in Chat — Prototype

This prototype explores the ideas captured in the image:

• Problem: Schedule payments
  • Load bills easily using chat
  • Monthly calendar for bills with prioritization if budget is limited
  • Loan/trust/credit score (mock) indicators
  • Reminders
• Budgeting
• Dashboard
• Stone hit (gamified points)
• Suggestions (financial tips)
• OTP each month (mock refresh)

Getting Started

1. Download all files and place them in the same folder.
2. Open index.html in your browser.

Data is persisted to localStorage automatically. Use the Settings tab to export, import, or reset your data.

Features

Persistence (LocalStorage)

• Auto-saves on key actions (bill create/delete/update, payments, budget changes)
• Versioned storage schema with migration support
• Export/Import JSON data
• Reset data with confirmation

Recurring Bills

• Set bills as recurring (monthly) when creating
• Automatic generation of next month's occurrence when paid
• "R" badge displayed on recurring bills in calendar and table

Weighted Prioritization

• Toggle between simple and weighted prioritization in Settings
• Weights consider: scheduled status, category importance, amount

Partial Payments

• Pay bills partially using the "Partial" button
• Track remaining amounts with "P" badge
• Amount displays as "paid/total" format when partially paid

Subscription Management

• Cancel streaming subscriptions (prevents future recurrence)
• Canceled bills shown with strikethrough styling

Chat Commands

Basic Commands

• Add Meralco 1500 due 2025-12-05 - Add a bill
• Add recurring Netflix 549 due 2025-12-20 monthly - Add a recurring bill
• Schedule payment Meralco 1500 on 2025-12-05 - Schedule a payment
• Prioritize bills if monthly budget is 3000 - Prioritize bills

Payment Commands

• Pay partial Meralco 500 - Make a partial payment

Prioritization Commands

• Enable weighted prioritization - Enable weighted prioritization
• Disable weighted prioritization - Disable weighted prioritization

View Commands

• Show reminders - View all reminders
• Show recurring - View all recurring bills

Subscription Commands

• Cancel subscription Netflix - Cancel a subscription

Other

• Renew OTP - Renew monthly OTP

Notes

• Prioritization uses a simple heuristic: scheduled first, lower amounts next, then earlier due dates. It marks items beyond the monthly budget as overflow.
• Weighted prioritization considers category importance (essentials weighted higher).
• Trust score and on-time rate are playful mock metrics for visualization.
• "Stone hit" adds points via a claimable streak button.
• Budgeting form computes allocations and sets the usable monthly bill budget.

This is a concept-only UI to validate flows before backend/API integrations.