SurvivAI — Financial Survival Coach

Built for TNG FinHack 2026 by Team FreshMinds

SurvivAI is a Flutter mobile app that helps B40 households in Malaysia understand their financial runway and access emergency credit when needed.

---

What It Does

SurvivAI answers one question: "How many days can I survive without income?"

It connects to a user's TNG eWallet transaction history, computes a Survival Score (in days), and provides:

• Real-time burn rate tracking
• AI-powered spending recommendations
• Emergency Credit Lifeline (ECL) — auto-triggered when survival score drops critically low
• MCC-restricted card to prevent misuse of loan funds
• Government benefits eligibility checker

---

Screens

Screen	Route	Description
Welcome	/welcome	App intro with TNG branding and B40 stats
Consent	/onboarding/consent	PDPA data access consent toggles
Home	/home	Survival score, recommendations, spending breakdown
Emergency	/emergency	Emergency Mode dashboard with 14-day countdown
ECL Apply	/ecl/apply	Loan tier selector (RM100 / RM150 / RM200)
ECL Consent	/ecl/consent	CTOS credit check consent
ECL Processing	/ecl/processing	6-step AI credit assessment animation
ECL Result	/ecl/result	Approval/decline with SHAP explainability
Card	/card	TNG ECL card with MCC merchant simulator
Transactions	/transactions	Full transaction history with category filter
Nudges	/nudges	AI recommendations with streak tracker
Settings	/settings	Profile management and salary update

---

User Journey

New User:
Welcome → Consent → Home

Daily Usage:
Home → Nudges → Transactions → Settings

Emergency Flow (auto-triggered when survival score ≤ 5 days):
Home (red alert banner) → Emergency → ECL Apply → ECL Consent
  → ECL Processing → ECL Result → Card (restricted spending)

---

Emergency Mode Auto-Trigger

Emergency Mode activates automatically when survivalDays <= 5. No manual action needed.

• A red alert banner appears on the Home screen
• Tapping it navigates directly to the Emergency screen
• Emergency Credit Lifeline (ECL) becomes available immediately
• The MCC card restricts spending to essential merchants only

The threshold is defined in lib/core/providers/app_provider.dart:

const int kEmergencyThreshold = 5;

---

Tech Stack

Tool	Purpose
Flutter 3.x	Cross-platform mobile + web
Dart	Language
Provider	State management
GoRouter	Navigation / routing
Google Fonts	Outfit (headlines) + Inter (body)
FL Chart	Spending charts

---

Project Structure

lib/
├── app.dart                          # Router config (all 12 routes)
├── main.dart                         # Entry point
├── core/
│   ├── models/
│   │   ├── user_model.dart           # UserModel, SurvivalBand, SurvivalTrend
│   │   ├── transaction_model.dart    # TransactionModel, TransactionCategory
│   │   ├── loan_model.dart           # LoanModel
│   │   └── nudge_model.dart          # NudgeModel
│   ├── providers/
│   │   └── app_provider.dart         # State + auto-emergency logic
│   ├── services/
│   │   └── mock_data_service.dart    # All mock data (profile, transactions, nudges)
│   └── theme/
│       ├── app_colors.dart           # Color palette (Warga Blue + Warga Gold)
│       └── app_typography.dart       # Typography (Outfit + Inter)
├── features/
│   ├── onboarding/screens/
│   │   ├── welcome_screen.dart
│   │   └── consent_screen.dart
│   ├── dashboard/screens/
│   │   └── home_screen.dart
│   ├── emergency/screens/
│   │   └── emergency_screen.dart
│   ├── ecl/screens/
│   │   ├── ecl_apply_screen.dart
│   │   ├── ecl_consent_screen.dart
│   │   ├── ecl_processing_screen.dart
│   │   └── ecl_result_screen.dart
│   ├── card/screens/
│   │   └── mcc_card_screen.dart
│   ├── transactions/screens/
│   │   └── transactions_screen.dart
│   ├── nudges/screens/
│   │   └── nudges_screen.dart
│   └── settings/screens/
│       └── settings_screen.dart
└── shared/
    └── widgets/
        ├── bottom_nav.dart            # App bottom navigation bar
        ├── glass_card.dart            # Reusable card widget
        ├── survival_score_ring.dart   # Animated circular score ring
        └── category_chip.dart         # Transaction category label

---

Design System

Colors

Name	Hex	Usage
Warga Blue	#0066FF	Primary — headers, buttons, links
Warga Gold	#FFD54F	Accent — highlights, CTAs, badges
Soft Yellow	#FFF8E1	App background surface
Survival Green	#00C853	Safe (> 30 days)
Survival Amber	#FFAB00	Warning (15–30 days)
Emergency Red	#E53935	Critical (< 5 days, auto-trigger)

Typography

Style	Font	Size	Weight
headlineXl	Outfit	48px	800
headlineLg	Outfit	38px	700
headlineMd	Outfit	28px	700
headlineSm	Outfit	20px	700
bodyBold	Inter	17px	700
bodyBase	Inter	15px	500
bodySm	Inter	13px	400

---

Running the App

Prerequisites

• Flutter SDK 3.x
• Dart 3.x
• iOS Simulator / Android Emulator / Chrome

Install & Run

cd survivai
flutter pub get

# iOS
flutter run -d ios

# Android
flutter run -d android

# Chrome (web)
flutter run -d chrome

# List all available devices
flutter devices

Analyze

flutter analyze

---

Mock Data

All data is mocked via MockDataService. The demo user is Siti Nurhaliza:

Field	Value
Wallet Balance	RM 87.00
Survival Days	11 days
Daily Burn Rate	RM 7.90/day
Monthly Income	RM 1,800
Trend	Declining
Emergency Threshold	Auto-activates at ≤ 5 days

---

Team FreshMinds — TNG FinHack 2026

Backend API Link Configuration

SurvivAI now supports loading dashboard data from backend API instead of only mock data.

Run with explicit API base URL:

flutter run -d chrome --dart-define=API_BASE_URL=http://localhost:8000/api

Current endpoint used by provider:

• GET /api/survival-score?user_id=<id>

Fallback behavior:

• If API call fails, AppProvider falls back to MockDataService so demo flow stays available.