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].