SmartMoney: AI-Powered Mobile Money Management

This document outlines the SmartMoney project, an innovative React Native mobile application that uses an on-device AI model, Gemma 3n, to manage mobile money transactions. The app automatically tracks, categorizes, and analyzes financial activities from SMS notifications while ensuring user privacy.

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Key Features

• AI-Powered Transaction Parsing: Uses Gemma 3n to intelligently extract financial details like the amount, fees, balance, transaction ID, and involved parties from SMS messages.
• Automated Categorization: Automatically classifies transactions into categories like "Incoming Transfer," "Outgoing Transfer," "Deposit," "Withdrawal," and "Mobile Payment."
• On-Device Privacy: All sensitive data processing and AI inference happen directly on the user's device. Financial information never leaves the phone.
• Local Data Persistence: Stores all transactions, accounts, and SMS records securely in a local SQLite database.
• Intuitive Dashboard: Provides a clear overview of financial activity, including total income, expenses, and transfers.
• Detailed Views: Users can explore specific transactions and see aggregated data for each category.
• Robust SMS Management: Tracks processed messages to prevent duplicate entries and maintain data integrity.

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Technical Stack

• Frontend: React Native
• AI Model: Gemma 3n (for on-device inference)
• Database: React Native SQLite Database (react-native-sqlite-storage)
• Navigation: @react-navigation/stack
• State Management: React's built-in useState and useEffect hooks
• Unique IDs: uuid
• Permissions: PermissionsAndroid and Linking (for Android runtime permissions)

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Project Structure

SmartMoney/
├── App.jsx
├── babel.config.js
├── package.json
└── src/
    ├── assets/
    ├── components/
    ├── database/
    │   ├── db-service.js
    │   └── schema.js
    ├── screens/
    │   ├── Splashscreen.jsx
    │   ├── WelcomeScreen.jsx
    │   ├── OnboardingScreen.jsx
    │   ├── LoadingScreen.jsx
    │   ├── HomeScreen.jsx
    │   ├── DetailClasseScreen.jsx
    │   └── DetailTransactionScreen.jsx
    └── utils/
        ├── smsProcessor.js
        ├── gemmaParser.js
        └── PermissionManager.js

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Getting Started (Android)

Note: Ensure you have a React Native environment set up before proceeding. This project is for Android only.

1. Clone the Repository

   git clone <your-repo-url>
   cd SmartMoney

2. Install Dependencies

   # Using npm
   npm install
   
   # OR using Yarn
   yarn install

3. Configure Babel Ensure your babel.config.js includes the following plugins.

   // babel.config.js
   module.exports = {
     presets: ['module:@react-native/babel-preset'],
     plugins: [
       ['@babel/plugin-proposal-decorators', { 'legacy': true }], // Must be first
       ['@nozbe/babel-plugin-watermelondb', {}],
     ],
   };

4. Place Gemma 3n Model Place your gemma.task AI model file in the following directory on your Android device or emulator: /storage/emulated/0/Documents/gemma.task
5. Grant Android Permissions The app needs SMS and storage permissions.
   • Add to AndroidManifest.xml: Open android/app/src/main/AndroidManifest.xml and add these lines inside the <manifest> tag.

     <uses-permission android:name="android.permission.INTERNET" />
     <uses-permission android:name="android.permission.READ_SMS" />
     <uses-permission android:name="android.permission.READ_EXTERNAL_STORAGE" />
     <uses-permission android:name="android.permission.WRITE_EXTERNAL_STORAGE" />
     <uses-permission android:name="android.permission.MANAGE_EXTERNAL_STORAGE" />

   • Runtime Permissions: The app will prompt you for permissions at runtime. For Android 11+, you may need to manually enable "All files access" in your device's settings.
6. Start Metro Bundler Open a terminal in the project root and run:

   # Using npm
   npm start -- --reset-cache
   
   # OR using Yarn
   yarn start --reset-cache

7. Build and Run the App Open a new terminal window in the project root and run:

   # Using npm
   npm run android
   
   # OR using Yarn
   yarn android

This will build and install the app on your connected Android device or emulator.