SmartSetu-AI

SmartSetu-AI is a Streamlit-based dashboard for automated vendor credit and risk scoring. It enables organizations to objectively assess vendors using data-driven models, interactive analytics, and loan eligibility simulation, all powered by seamless Google Sheets integration.

Features

• Google Sheets Integration: Fetches and updates vendor data directly from a connected Google Sheet.
• Automated Scoring: Calculates credit and risk scores using transaction history, consistency, supplier verification, testimonials, income, and expenses.
• Loan Eligibility Simulator: Determines loan eligibility and simulates EMI and repayment schedules for vendors.
• Visual Analytics: Interactive bar charts and scatter plots for comparing vendor credit and risk scores.
• Downloadable Reports: Export individual or all vendor reports in CSV format.
• User-Friendly Web Interface: Rapid deployment via Streamlit.

How It Works

1. Connects to Google Sheets to fetch vendor data.
2. Calculates Credit Score using:
   • Monthly Transactions
   • Consistency Score
   • Supplier Verification Status
   • Customer Testimonials
3. Calculates Risk Score based on income and spending variance.
4. Determines Risk Level (Low, Medium, High).
5. Loan Eligibility: Offers tailored loan amounts and interest rates based on credit score.
6. Visualization: Presents all vendor scores and offers interactive data exploration.

Getting Started

Prerequisites

• Python 3.8+
• Google Cloud Service Account with Google Sheets API access
• Required columns in Google Sheet:
  • Name of Vendor
  • Monthly Transactions
  • Consistency Score
  • Supplier Verified
  • Customer Testimonial
  • Monthly Income - Month 1/2/3
  • Spending Variance - Month 1/2/3

Installation

git clone https://github.com/xthxr/SmartSetu-AI.git
cd SmartSetu-AI
pip install -r requirements.txt

Google Sheets Credentials

• Place your service account credentials as credentials.json in the root directory, or
• Set the environment variable GOOGLE_CREDENTIALS_JSON with your credentials JSON.

Running the App

streamlit run app.py

By default, the Google Sheet key is set in app.py with the variable SHEET_KEY. Update it if your data source changes.

File Structure

• app.py - Main Streamlit dashboard.
• calculator.py - Scoring logic (credit, risk, risk level).
• data_fetch.py - Google Sheets API integration.
• requirements.txt - Python dependencies.
• assets/ - App logo and static assets.

Example

Customization

• Adjust scoring logic in calculator.py to match your business criteria.
• Add new analytics or visualizations in app.py as required.

License

[Specify your license here]

Acknowledgements

• Original work from mrashis06/SmartSetu-AI
• Streamlit
• Google Sheets API

Contributors

• Ashis Kumar Rai (https://github.com/mrashis06)
• Athar Akram (https://github.com/xthxr)

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This project helps automate and standardize vendor creditworthiness assessment using modern data analytics and is suitable for fintech, supply chain, and procurement scenarios.