Ai-Services API

AI Services API

Overview

The Buburuza AI Services API provides access to our Intelligent Engine B1, a sophisticated multi-agent AI system that powers natural language banking, fraud detection, compliance automation, and personalized financial insights. Built with GPT-4 and Claude integrations on Microsoft Azure for enterprise-grade financial AI capabilities.

Natural Language Processing

Parse Banking Intent

Convert natural language commands into structured banking operations.

POST /v1/ai/parse-intent

const intent = await buburuza.ai.parseIntent({
  customerId: 'cust_1234567890abcdef',
  message: "I want to send $250 to my mom for her birthday gift",
  context: {
    recentContacts: [
      { name: 'Mom', accountId: 'acc_mom_123', relationship: 'family' },
      { name: 'Sarah Johnson', accountId: 'acc_sarah_456', relationship: 'friend' }
    ],
    accountBalance: 150000, // $1,500.00
    recentTransactions: ['grocery', 'restaurant', 'gas'],
    currentLocation: 'San Francisco, CA',
    timezone: 'America/Los_Angeles'
  }
});

console.log('AI Intent:', intent);

Request Body:

{
  "customerId": "cust_1234567890abcdef",
  "message": "I want to send $250 to my mom for her birthday gift",
  "context": {
    "recentContacts": [
      { "name": "Mom", "accountId": "acc_mom_123", "relationship": "family" }
    ],
    "accountBalance": 150000,
    "recentTransactions": ["grocery", "restaurant", "gas"],
    "currentLocation": "San Francisco, CA"
  }
}

Response:

{
  "intentId": "intent_1234567890abcdef",
  "confidence": 0.94,
  "action": "send_money",
  "parameters": {
    "amount": 25000,
    "currency": "USD",
    "recipient": {
      "name": "Mom",
      "accountId": "acc_mom_123",
      "confidence": 0.98
    },
    "description": "birthday gift",
    "urgency": "normal"
  },
  "suggestedFollowUps": [
    "Would you like to add a birthday message?",
    "Should this be a recurring monthly gift?"
  ],
  "validationChecks": {
    "sufficientFunds": true,
    "recipientValid": true,
    "withinLimits": true
  }
}

Conversational Banking

Engage in natural conversations about banking and financial topics.

POST /v1/ai/conversation

const conversation = await buburuza.ai.conversation({
  customerId: 'cust_1234567890abcdef',
  sessionId: 'session_1234567890abcdef',
  message: "What's the best way to save for a house down payment?",
  context: {
    customerProfile: {
      age: 28,
      income: 85000,
      currentSavings: 25000,
      monthlyExpenses: 4500,
      creditScore: 750
    },
    goals: [
      { type: 'home_purchase', target: 400000, timeline: '2 years' }
    ]
  }
});

console.log('AI Response:', conversation.response);

Response:

{
  "sessionId": "session_1234567890abcdef",
  "response": "Based on your goal of buying a $400,000 home in 2 years, you'll need about $80,000 for a down payment (20%). You currently have $25,000 saved, so you need to save an additional $55,000, or about $2,300 per month.\n\nGiven your income of $85,000 and monthly expenses of $4,500, this is achievable. Here are my recommendations:\n\n1. **High-yield savings account**: Move your current savings to earn 4.5% APY\n2. **Automated transfers**: Set up automatic $2,400 monthly transfers\n3. **Reduce discretionary spending**: Cut $400 from entertainment/dining\n4. **Side income**: Consider freelancing to boost savings rate\n\nWould you like me to help set up the automated savings plan?",
  "suggestions": [
    "Set up automated savings plan",
    "Open high-yield savings account",
    "Review monthly budget",
    "Explore mortgage pre-approval"
  ],
  "confidence": 0.92,
  "sentiment": "helpful",
  "nextActions": [
    {
      "type": "create_savings_goal",
      "parameters": { "target": 80000, "deadline": "2027-11-07" }
    }
  ]
}

Financial Question Answering

Get intelligent answers to complex financial questions.

POST /v1/ai/financial-qa

const financialAnswer = await buburuza.ai.financialQA({
  question: "Should I pay off my credit card debt or invest in my 401k first?",
  customerContext: {
    creditCardDebt: 8500,
    creditCardAPR: 0.1899,
    employerMatch: 0.50, // 50% match up to 6%
    currentContribution: 0.03, // 3% of salary
    annualIncome: 75000,
    taxBracket: 0.22
  }
});

console.log('Financial Advice:', financialAnswer.advice);

Fraud Detection & Risk Assessment

Real-Time Transaction Scoring

Analyze transaction risk in real-time using AI models.

POST /v1/ai/risk-score

const riskScore = await buburuza.ai.assessRisk({
  transactionId: 'txn_pending_123',
  transaction: {
    amount: 50000, // $500.00
    currency: 'USD',
    merchant: 'Electronics Store XYZ',
    location: 'New York, NY',
    paymentMethod: 'card',
    cardLastFour: '1234'
  },
  customerContext: {
    customerId: 'cust_1234567890abcdef',
    accountAge: '2 years',
    averageTransactionAmount: 8500,
    typicalLocations: ['San Francisco, CA', 'Oakland, CA'],
    recentBehavior: 'normal',
    deviceFingerprint: 'device_abc123'
  }
});

console.log('Risk Score:', riskScore.score); // 0-100 scale
console.log('Risk Level:', riskScore.level); // 'low', 'medium', 'high'

Response:

{
  "transactionId": "txn_pending_123",
  "riskScore": 25,
  "riskLevel": "low",
  "factors": [
    {
      "factor": "transaction_amount",
      "weight": 0.3,
      "description": "Transaction amount is within normal range"
    },
    {
      "factor": "location_anomaly",
      "weight": 0.4,
      "description": "Transaction location is outside usual patterns"
    },
    {
      "factor": "merchant_reputation",
      "weight": 0.2,
      "description": "Merchant has good reputation and history"
    }
  ],
  "recommendations": [
    "Approve transaction",
    "Send confirmation notification"
  ],
  "confidence": 0.88
}

Behavioral Analysis

Analyze customer behavior patterns for fraud prevention.

POST /v1/ai/behavior-analysis

const behaviorAnalysis = await buburuza.ai.analyzeBehavior({
  customerId: 'cust_1234567890abcdef',
  timeframe: '30d',
  analysisType: 'comprehensive',
  includeFactors: [
    'spending_patterns',
    'login_behavior',
    'device_usage',
    'geographic_patterns'
  ]
});

console.log('Behavior Score:', behaviorAnalysis.normalcyScore);

Compliance Automation

AML Transaction Monitoring

Automated Anti-Money Laundering surveillance.

POST /v1/ai/aml-monitor

const amlAnalysis = await buburuza.ai.monitorAML({
  customerId: 'cust_1234567890abcdef',
  transactionId: 'txn_1234567890abcdef',
  transaction: {
    amount: 1000000, // $10,000
    currency: 'USD',
    type: 'wire_transfer',
    counterparty: {
      name: 'ABC Corporation',
      country: 'US',
      accountNumber: '9876543210'
    }
  },
  thresholds: {
    singleTransaction: 1000000, // $10,000 CTR threshold
    dailyAggregate: 1000000,
    suspiciousPattern: true
  }
});

console.log('AML Status:', amlAnalysis.status);

Response:

{
  "transactionId": "txn_1234567890abcdef",
  "amlStatus": "requires_reporting",
  "alerts": [
    {
      "type": "currency_transaction_report",
      "reason": "Transaction exceeds $10,000 threshold",
      "action": "file_ctr",
      "deadline": "2025-11-14T23:59:59Z"
    }
  ],
  "riskIndicators": [
    {
      "indicator": "large_cash_transaction",
      "severity": "medium",
      "description": "Transaction amount exceeds CTR threshold"
    }
  ],
  "recommendations": [
    "File Currency Transaction Report (CTR)",
    "Verify customer identity documentation",
    "Document business purpose of transaction"
  ],
  "complianceScore": 85
}

KYC Risk Assessment

AI-powered Know Your Customer risk evaluation.

POST /v1/ai/kyc-assessment

const kycAssessment = await buburuza.ai.assessKYC({
  customerId: 'cust_1234567890abcdef',
  documents: [
    {
      type: 'government_id',
      documentId: 'doc_1234567890abcdef',
      verificationStatus: 'verified'
    },
    {
      type: 'proof_of_address',
      documentId: 'doc_0987654321fedcba',
      verificationStatus: 'verified'
    }
  ],
  additionalChecks: [
    'sanctions_screening',
    'pep_check',
    'adverse_media'
  ]
});

console.log('KYC Risk Level:', kycAssessment.riskLevel);

Personalized Financial Insights

Spending Analysis

AI-powered analysis of customer spending patterns.

POST /v1/ai/spending-analysis

const spendingInsights = await buburuza.ai.analyzeSpending({
  customerId: 'cust_1234567890abcdef',
  timeframe: '90d',
  categories: 'auto_detect',
  compareToAverage: true,
  includeForecasting: true
});

console.log('Spending Insights:', spendingInsights);

Response:

{
  "customerId": "cust_1234567890abcdef",
  "analysisDate": "2025-11-07T15:30:00Z",
  "timeframe": "90d",
  "totalSpending": 1275000,
  "categories": {
    "groceries": { "amount": 45000, "percentage": 35.3, "trend": "stable" },
    "dining": { "amount": 32000, "percentage": 25.1, "trend": "increasing" },
    "transportation": { "amount": 28000, "percentage": 22.0, "trend": "decreasing" },
    "entertainment": { "amount": 15000, "percentage": 11.8, "trend": "stable" },
    "other": { "amount": 7500, "percentage": 5.8, "trend": "stable" }
  },
  "insights": [
    {
      "type": "trend_alert",
      "category": "dining",
      "message": "Your dining expenses increased 23% compared to last quarter",
      "suggestion": "Consider meal planning to reduce restaurant spending"
    },
    {
      "type": "optimization",
      "category": "transportation",
      "message": "Great job reducing transportation costs by 15%",
      "suggestion": "Continue using public transit and ride-sharing"
    }
  ],
  "forecast": {
    "nextMonth": 42500,
    "confidence": 0.87
  },
  "budgetRecommendations": {
    "groceries": 40000,
    "dining": 25000,
    "transportation": 30000,
    "entertainment": 15000
  }
}

Investment Recommendations

AI-generated investment advice based on customer profile.

POST /v1/ai/investment-advice

const investmentAdvice = await buburuza.ai.generateInvestmentAdvice({
  customerId: 'cust_1234567890abcdef',
  investmentProfile: {
    riskTolerance: 'moderate',
    timeHorizon: '10_years',
    goals: ['retirement', 'wealth_building'],
    currentPortfolio: {
      stocks: 60,
      bonds: 30,
      cash: 10
    },
    monthlyInvestment: 150000 // $1,500
  },
  marketContext: {
    currentMarketConditions: 'volatile',
    economicIndicators: ['inflation_concerns', 'rate_uncertainty']
  }
});

console.log('Investment Recommendations:', investmentAdvice.recommendations);

Credit Scoring & Underwriting

AI Credit Assessment

Advanced credit scoring using alternative data sources.

POST /v1/ai/credit-assessment

const creditAssessment = await buburuza.ai.assessCredit({
  customerId: 'cust_1234567890abcdef',
  applicationData: {
    requestedAmount: 2500000, // $25,000 credit limit
    purpose: 'home_improvement',
    income: 95000,
    employment: {
      status: 'employed',
      tenure: '3 years',
      employer: 'Tech Corp Inc'
    }
  },
  bankingHistory: {
    accountAge: '2 years',
    averageBalance: 850000,
    overdrafts: 0,
    transactionVolume: 'high'
  },
  alternativeData: {
    utilityPayments: 'on_time',
    rentPayments: 'on_time',
    phonePayments: 'on_time'
  }
});

console.log('Credit Decision:', creditAssessment.decision);
console.log('Recommended Limit:', creditAssessment.recommendedLimit);

Response:

{
  "customerId": "cust_1234567890abcdef",
  "assessmentId": "assess_1234567890abcdef",
  "decision": "approved",
  "recommendedLimit": 2000000,
  "interestRate": 0.1299,
  "aiCreditScore": 742,
  "factors": [
    {
      "factor": "payment_history",
      "weight": 35,
      "score": 850,
      "impact": "positive"
    },
    {
      "factor": "banking_behavior",
      "weight": 25,
      "score": 780,
      "impact": "positive"
    },
    {
      "factor": "income_stability",
      "weight": 20,
      "score": 720,
      "impact": "positive"
    }
  ],
  "confidence": 0.91,
  "explanation": "Strong payment history and stable banking patterns indicate low risk. Recommended approval with $20,000 limit based on income and financial behavior."
}

AI Model Performance

Model Monitoring

Track AI model performance and accuracy.

GET /v1/ai/model-performance

const modelStats = await buburuza.ai.getModelPerformance({
  model: 'fraud_detection_v2',
  timeframe: '7d',
  metrics: ['accuracy', 'precision', 'recall', 'f1_score']
});

console.log('Model Accuracy:', modelStats.accuracy);

Response:

{
  "model": "fraud_detection_v2",
  "version": "2.1.0",
  "timeframe": "7d",
  "metrics": {
    "accuracy": 0.9847,
    "precision": 0.9523,
    "recall": 0.9312,
    "f1_score": 0.9416,
    "auc_roc": 0.9789
  },
  "totalPredictions": 125847,
  "truePositives": 1245,
  "falsePositives": 63,
  "trueNegatives": 124539,
  "falseNegatives": 92,
  "driftDetection": {
    "status": "stable",
    "confidence": 0.97
  }
}

Custom AI Training

Train Custom Models

Train AI models on your specific data and use cases.

POST /v1/ai/custom-models/train

const customTraining = await buburuza.ai.trainCustomModel({
  modelType: 'transaction_categorization',
  trainingData: {
    datasetId: 'dataset_1234567890abcdef',
    features: ['merchant_name', 'amount', 'location', 'time_of_day'],
    labels: 'transaction_category'
  },
  hyperparameters: {
    learning_rate: 0.001,
    batch_size: 32,
    epochs: 100
  },
  validationSplit: 0.2
});

console.log('Training Job ID:', customTraining.jobId);

Deploy Custom Models

Deploy trained models to production.

POST /v1/ai/custom-models/deploy

const deployment = await buburuza.ai.deployCustomModel({
  modelId: 'model_1234567890abcdef',
  version: '1.0.0',
  environment: 'production',
  scalingConfig: {
    minInstances: 2,
    maxInstances: 10,
    targetUtilization: 0.7
  }
});

console.log('Deployment Status:', deployment.status);

Error Handling

AI Service Errors

try {
  const intent = await buburuza.ai.parseIntent({
    customerId: 'cust_123',
    message: "Send money"
  });
} catch (error) {
  switch (error.code) {
    case 'insufficient_context':
      console.log('Need more information to understand intent');
      // Ask for clarification
      break;
      
    case 'low_confidence':
      console.log('AI confidence too low for automatic processing');
      console.log('Confidence:', error.details.confidence);
      // Require human review
      break;
      
    case 'model_unavailable':
      console.log('AI model temporarily unavailable');
      // Fall back to rule-based processing
      break;
      
    case 'rate_limit_exceeded':
      console.log('AI API rate limit exceeded');
      // Implement exponential backoff
      break;
  }
}

Testing AI Services

Sandbox AI Capabilities

// Sandbox provides consistent AI responses for testing
const testIntent = await buburuza.ai.parseIntent({
  customerId: 'test_customer_123',
  message: "Send $100 to John",
  context: { testing: true }
});

// Sandbox AI always returns predictable responses
console.log('Test Intent Confidence:', testIntent.confidence); // Always 0.95

Model Versions and Updates

The AI Services API supports multiple model versions:

Fraud Detection: v2.1.0 (95% accuracy)
Intent Parsing: v1.8.0 (92% accuracy)
Credit Scoring: v3.0.0 (89% accuracy)
Risk Assessment: v2.5.0 (91% accuracy)

For detailed model documentation and performance metrics, contact our AI team at [email protected].

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Last updated 3 months ago

hashtagAI Services API

hashtagOverview

hashtagNatural Language Processing

hashtagParse Banking Intent

hashtagConversational Banking

hashtagFinancial Question Answering

hashtagFraud Detection & Risk Assessment

hashtagReal-Time Transaction Scoring

hashtagBehavioral Analysis

hashtagCompliance Automation

hashtagAML Transaction Monitoring

hashtagKYC Risk Assessment

hashtagPersonalized Financial Insights

hashtagSpending Analysis

hashtagInvestment Recommendations

hashtagCredit Scoring & Underwriting

hashtagAI Credit Assessment

hashtagAI Model Performance

hashtagModel Monitoring

hashtagCustom AI Training

hashtagTrain Custom Models

hashtagDeploy Custom Models

hashtagError Handling

hashtagAI Service Errors

hashtagTesting AI Services

hashtagSandbox AI Capabilities

hashtagModel Versions and Updates

AI Services API

Overview

Natural Language Processing

Parse Banking Intent

Conversational Banking

Financial Question Answering

Fraud Detection & Risk Assessment

Real-Time Transaction Scoring

Behavioral Analysis

Compliance Automation

AML Transaction Monitoring

KYC Risk Assessment

Personalized Financial Insights

Spending Analysis

Investment Recommendations

Credit Scoring & Underwriting

AI Credit Assessment

AI Model Performance

Model Monitoring

Custom AI Training

Train Custom Models

Deploy Custom Models

Error Handling

AI Service Errors

Testing AI Services

Sandbox AI Capabilities

Model Versions and Updates