Upload langchain_qa_warba.py

langchain_qa_warba.py

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+# -*- coding: utf-8 -*-
+"""LangChain QA WARBA
+
+Automatically generated by Colaboratory.
+
+Original file is located at
+    https://colab.research.google.com/drive/1FlN_580MckH1k15F73gvsxLSg-O5WUIO
+"""
+
+!pip install openai langchain faiss-cpu
+
+!pip install tiktoken
+
+#@title State of Union Text
+state_of_the_union = """ I am an AI Bota and my name is Shegardi and I am an employee of Warba Bank, located in Kuwait and I have been created to answer certain questions about warba bank.
+
+
+Warba Bank was established on February 17, 2010, by virtue of an Amiri Decree aiming to boost the economic situation after the crisis witnessed by Kuwait. On April 7, 2010, Warba Bank joined the Islamic Banks Register at the Central Bank of Kuwait. The bank met the aspirations of Kuwaitis and earned their trust. It managed, in a short time, to position itself in the banking sector, As a leader in Islamic Digital Retail Solutions. 
+
+Board of Directors
+
+The Board of Directors at Warba Bank is comprised of the following individuals:
+
+Mr. Hamad M. AlSayer (Chairman)
+Mr. Bader K. AlShalfan (Vice Chairman)
+Mr. Mohammad H. AlShalfan
+Mr. Mohamed R. AlMutawa
+Mr. Mohammad A. Saleem
+Mr. Mubarak N. AlSayer
+Mr. Khaldon Sh. AlTabtabaei
+Mr. Mohammad A. AlBahar
+Mr. Mohammad A. AlRuwayeh
+Mrs. May M. AlMudhaf
+Mrs. Basma H. AlSanea
+Management Team
+
+The management team at Warba Bank includes:
+
+Mr. Shaheen H. Al-Ghanem (CEO)
+Mr. Anwar Bader Al Ghaith (Deputy Chief Executive Officer Support Services & Treasury)
+Mr. Thuwaini AlThuwaini (Chief Investment Baking Officer)
+Mr. Hamad F. Al Fouzan (Chief Strategic Planning Officer)
+Mr. Musaed M. Al Mazid (Acting Chief Retail Baking Officer)
+Mr. Abdullah Mahmoud Allanqawi (Chief Treasury Officer)
+Mr. Dharar A. Al Dakhil (Chief Risk Officer)
+Mr. Hussam Mustafa (Chief Internal Auditor)
+Ms. Layali Mostafa Al Fahad (Chief Operations Officer)
+Ms. Maali A. AlRasheed (Chief Human Resources & General Services Officer)
+Mr. Faisal A. Al Nassar (Chief Corporate Baking Officer)
+Mr. Mohamed Sabry Eissa (Chief Financial Officer)
+Mr. Wael Elsaid Shawareb (Chief Technology Officer)
+Mr. Wael Ahmed Awad (Acting Chief Digital Officer)
+Sharia Board
+
+The Sharia board at Warba Bank includes:
+
+Dr. Essam K. Al Anazi (Chairman)
+Dr. Mohammad Al-Fuzai (Member)
+Dr. Ali Ibrahim Al Rashed (Member)
+
+Warba Bank offers a range of accounts to meet the financial needs of its customers. The following are the types of accounts available at Warba Bank:
+
+Sunbula Account
+Sunbula Kids Account
+Current Account
+Salary Account
+Gold Account
+Investment Saving Account
+Super Saving Account
+In addition, Warba Bank has updated its Credit, Debit, and Prepaid Cards with a new chip that has the latest security standards to provide its customers with the highest level of protection.
+
+Gold Account
+
+The Gold Account at Warba Bank allows customers to buy and sell the finest gold provided by Swiss and Emirati manufacturers (24 karats with a purity of 999.9). The account can be easily accessed through the Warba Bank application in partnership with Dar Alsabaek Group.
+
+AlSunbula Account
+
+The AlSunbula account is an investment savings account based on the Wakala investment principle, with returns distributed quarterly, along with chances to win in the AlSunbula draws on cash prizes held throughout the year. To be eligible for the draws, AlSunbula account holders are required to have a minimum balance of KD100, which can only be withdrawn upon account closure.
+
+AlSunbula Kids Account
+
+The AlSunbula Kids account is a savings account designed specifically for kids, based on the Wakala investment principle, with competitive returns. Customers 15 years or younger can open an account with a minimum amount of KD10. The AlSunbula Kids draw has seven winners every month with prizes ranging from KD100 to KD1000, and one winner in the mega draw worth KD250,000.
+
+Housing Finance Deal
+
+Warba Bank offers Housing Finance deals for building a future house or renovations, with financing up to KD70,000. The benefits of this deal include free debt insurance, no down payment required, and preferential rates for Al-Safwa customers, along with a six-month grace period. To apply, customers need to provide their Civil ID, 3-month account statement, salary continuation certificate, authorized signatory, and PIFSS certificate.
+
+Car Auto Finance Deal
+
+Warba Bank's Auto Finance deals are competitive, and finance up to KD25,000 is available. Salary transfer is not required, and flexible monthly installments start from KD30. Al-Safwa customers receive a special rate, and all customers get a six-month grace period. To apply, customers need to provide a car quotation, Civil ID, 3-month account statement, salary continuation certificate, authorized signatory, and PIFSS certificate.
+
+Customer Segments
+
+Warba Bank has different customer segments to meet the diverse financial needs of its customers. The following are the customer segments at Warba Bank:
+
+1- AlMassy
+2- AlSafwa Plus
+3- AlSafwa
+4- W
+5- Normal
+6- Bloom
+7- Sunbula Kids
+
+Warba Bank is a leading bank in the Islamic Digital Retail Solutions sector. With a variety of products and services, Warba Bank is committed to providing its customers with the best banking experience. One of the services Warba Bank provides is its cashback program. In this document, we will explain the details of the cashback program offered by Warba Bank.
+
+Details of Cashback Program:
+
+Warba Bank offers a cashback program for Mastercard World and World Elite credit card users. AlSafwa, AlSafwa Plus, W & Almassy customers get a cashback rate of 3% on local and international transactions. If the local spending + international spends are more than KD 3000, the cashback will be 3% for local and 6% for international transactions. On the other hand, for Normal segment customers, the cashback rate is 1% irrespective of the amount of the transactions.
+
+Maximum Cashback:
+
+The maximum cashback amount varies based on the customer segment. The maximum amount for ALMASSY is KD 500, while the maximum amount for ALSAFWA PLUS is also KD 500. The maximum amount for ALSAFWA is KD 500, and the maximum amount for W is KD 300. The maximum amount for Normal is KD 150.
+
+Calculation of Cashback:
+
+The cashback calculation depends on the customer segment and the amount of the transactions. For Al Safwa / Al Safwa Plus / Al Massy and W customers, if the spent transactions are less than KD 3000, the cashback rate is 3%. If the transactions are higher than KD 3000, the cashback rate is 6% for international transactions only. For Normal segment customers, the cashback rate is 1% irrespective of the amount of the transactions.
+
+Exceeding the Maximum Cashback:
+
+If any of the customer segments Al Massy, AlSafwa Plus, AlSafwa, or W exceed the maximum cashback amount, Warba Bank will only return the maximum amount. For example, if the Al Massy segment exceeds the maximum amount of KD 500, Warba Bank will only return KD 500. The same applies to the W segment with a maximum amount of KD 300, and the Normal segment with a maximum amount of KD 150.
+
+Warba Bank's cashback program provides its customers with an opportunity to earn cashback on their credit card transactions. With different customer segments and different cashback rates, Warba Bank's cashback program is tailored to meet the needs of all its customers. If you have any questions regarding the cashback program, please visit the Warba Bank website or contact customer support.
+
+Medical Benefits:
+
+Warba Bank places a strong emphasis on health and wellness, and offers medical financing to its customers. With 0% profit, the bank provides financing for medical expenses up to KD 25,000, with flexible monthly installments starting at KD30. No down payment or salary transfers are required, making it easier for customers to access the financing they need for their medical needs.
+
+Digital Services:
+
+Warba Bank is dedicated to providing digital services to its customers, and the bank's mobile app is a testament to this commitment. With the app, customers can open a new account in less than 5 minutes, with no need to visit a branch. The app also provides access to the bank's ultimate digital loyalty program, "Pocket," as well as the ability to enter Al Sunbula draws and access a directory of branch services.
+
+Family Account:
+
+Warba Bank's family account service is designed to make it easier for parents to manage their children's accounts. With the family account, parents can link their children's accounts to their own and track their transactions online or through the mobile app. This innovative service is designed to meet the needs of families and ensure that their banking needs are met.
+
+IBAN Number:
+
+Customers can obtain their IBAN number through the Warba Bank app, website, call center, or by visiting a branch. The IBAN number is an important part of a customer's banking information and is used to facilitate international transactions.
+
+Frozen Accounts:
+
+In the event that a customer's account has been inactive for one year, the account may be frozen. To reactivate the account, the customer must visit a branch and submit an activation request, along with payment of an account activation commission.
+
+Accounts for Charitable Societies and Public Service Associations:
+
+Warba Bank also offers accounts for charitable societies, public service associations, and student unions. The required documents vary based on the type of organization, but typically include articles of association, a letter from an official body, and original ID cards of authorized individuals. The bank is dedicated to supporting these organizations and ensuring that their banking needs are met.
+
+FATCA Compliance:
+
+Warba Bank is compliant with the US Foreign Account Tax Compliance Act (FATCA), which is designed to prevent tax evasion by US citizens with accounts and investments outside the US. The bank is committed to following international regulations and ensuring compliance with FATCA.
+
+Maximum Monthly Instalment Amount:
+
+For customers seeking financing, the maximum monthly installment amount is determined by a customer's net salary or income. For those in service, the total monthly installments should not exceed 40% of the net salary, while for retirees, the total monthly installment should not exceed 30% of the net monthly income.
+
+DOCUMENTS REQUIRED FOR CONSUMER FINANCE:
+
+For Consumer Finance, the following documents are required:
+
+Original valid Civil ID
+Original recent salary certificate
+Salary continuation
+Price quotation
+Account statement for the last 3 Months (6 months for the private sector)
+Passport copy for expatriate customers only
+BRANCHES:
+
+Warba Bank has 14 branches, 19 branch ATMs, and 58 offsite ATMs in Kuwait.
+
+CREDIT CARDS:
+
+Warba Bank offers the following credit card options:
+
+World Elite Dual Chip Mastercard
+World Elite Mastercard
+World Mastercard
+Platinum Mastercard
+VISA Signature
+VISA Platinum
+VISA Prepaid
+BRANCH LOCATIONS:
+
+Warba Bank has branches located in several locations in Kuwait, including:
+
+Avenues Mall, Grand Avenues
+Arabiya Mall Fahaheel
+Balat Al-Shuhadaa St - Remal Complex
+Farwaniyah Habib Al Monawir St - Next to Metro Complex
+Hawally, Beirut Street, E-mail
+Old Jahra - Marzoug AlMeteb St. - Sahara Mall
+Sharq - Block 7 - Omar Ibn Al-Khattab Alraya Street - Parcel 6 - Al-Raya Tower Mezzanine #1
+Mangaf Co-op, Block 4
+Salem AlMubarak Street - Laila Gallery Complex
+Ahmed Al Jaber St - Next to the Police Station Roundabout
+AlShuhuda, Block 4, AlShuhuda Co-op
+West Mishref - PIFSS Building
+Block 5 - Kuwait Sport club - Al Exandria Street - Facing kaifan Tel-communication tower and Government Center For Testing And Quality Control
+Kuwait Airport T4.
+FEES AND COMMISSIONS:
+
+You can access the fees and commissions directly from Warba Bank's website by clicking this link: https://warbabank.blob.core.windows.net/files/Library/Assets/Gallery/BankingTariffs/Fees%20&%20Commissions%2070x100%20Poster%201%20JUNE%202022%20ARB.pdf
+
+TRANSFERS:
+
+Warba Bank offers the following transfer options through Warba Online:
+
+Transfers between your own accounts
+Transfers to a Warba Bank account
+Domestic and international telex transfers
+Transfers to charitable committees
+Transfers to credit or prepaid cards
+Express Transfers
+Transfers for payment of mobile bills and internet cards
+DOCUMENTS REQUIRED FOR COMPANIES AND ESTABLISHMENTS ACCOUNT OPENINGS:
+
+For opening an account for establishments, the following documents are required:
+
+Commercial registration certificate, a letter from the Public Authority for Civil Information indicating the civil number of the establishment, the original civil ID card of each authorized signatory.
+For Companies The notarized memorandum of association, commercial registration certificate, a letter from the Public Authority for Civil Information indicating the civil number of the company, the original civil ID card of each authorized signatory based on the memorandum of associations as amended.
+
+Warba Bank, where we offer a range of banking services tailored to meet the unique needs of our customers.let us take a closer look at the benefits of our various customer segments: Sunbula Kids, Bloom, W, Al Safwa, Al Safwa Plus, and Almassy.
+
+Starting with the Sunbula Kids segment, this segment is designed for children from day 1 up to 15 years old. With this segment, customers can enjoy the following benefits:
+
+Instant issuance of an ATM card with a unique design.
+A daily cash withdrawal limit of up to KD 2,000 from ATMs.
+Investment profits as per the annual rate of return.
+Cash deposit via Warba Bank ATM machines.
+Domestic and international shopping across POS devices.
+Free domestic and international SMS service.
+Free Warba Online service from the App Store or Google Play.
+Next, we have the Bloom segment, which is designed for individuals from 15 to 25 years old. The benefits of this segment include:
+
+5 winners in the social allowance monthly draw, with the 1st winner receiving KD 500, the 2nd winner receiving KD 200, and the 3rd to 5th winners receiving KD 100 each.
+All-Star Rewards for high achievers, who earn a GPA of 3.5 and above out of 4.0 upon semester completion, with Warba Pocket points equivalent to KD 50.
+Free issuance and renewal of a VISA prepaid card with a monthly cashback of 3%.
+For customers in the W segment, the eligibility criteria are a salary range of KD 500 to KD 1,499. The benefits of this segment include:
+
+Free issuance of a Platinum Mastercard for the first year.
+Free issuance of a Visa Prepaid for the first year.
+Instant issuance of an ATM card with a unique design.
+A cash withdrawal limit from ATMs of up to KD 2,000 daily.
+Moving on to the Al Safwa segment, the eligibility criteria for this segment are a salary range of KD 1,500 to KD 2,499 and a deposit range of KD 30,000 to KD 149,999. The benefits of this segment include:
+
+A dedicated Relationship Manager.
+An ATM daily withdrawal limit of up to KD 3,000.
+Free issuance of a World Mastercard credit card for the first year.
+Free issuance of a VISA Prepaid Card for the first year.
+2 free Warba Concierge services per year.
+A special rate on personal finance transactions.
+Priority Call Center response.
+The Al Safwa Plus segment is designed for customers with a salary range of KD 2,500 and above, and a deposit range of KD 150,000 to KD 349,999. The benefits of this segment include:
+
+A dedicated Relationship Manager.
+An ATM daily withdrawal limit of up to KD 3,000.
+Free issuance of a World Mastercard credit card for the first year.
+Free issuance of a VISA Prepaid Card for the first year.
+4 free Warba Concierge services per year.
+A special rate on personal finance transactions.
+Up to 12 months grace period on personal finance.
+Priority Call Center response.
+Finally, we have the Almassy segment, which is designed for customers with a deposit range of KD 350,000 and above. The benefits of this segment include:
+
+Free main and supplementary World Mastercard or VISA Signature credit card.
+A free Cheque book.
+ATM daily withdrawal limit up to KD 3,000.
+Real estate financing facilities.
+Free VISA prepaid card.
+Preferred rates on investment deposits.
+Personal financing up to KD 250,000.
+Free Warba Concierge services.
+Priority Call Center response.
+
+Current Account:
+The current account is a Sharia-compliant account that is available for both individuals and corporations. The benefits of this account include the ability to open the account in KWD or any major foreign currencies (Euro – USD - GBP), chequebook issuance, and a free VISA prepaid card for the first year. The terms of this account include a minimum amount of KD 1,000 to open the account.
+
+Salary Account:
+The salary account is an account that is suitable for private and public sector employees. The benefits of this account include an instant issuance of an ATM card with a unique design, up to KD 3,000 cash withdrawal from ATMs, a free VISA prepaid card for the first year, and a free credit card for the first year. The terms of this account include that it is for individuals only, the account currency is KWD only, and a minimum salary amount of KD 500 is required to open the account.
+
+Investment Savings Account:
+The investment savings account is a Sharia-compliant account based on the Mudarabah principle. The benefits of this account include quarterly distributed returns, up to KD 2,000 cash withdrawal from ATMs, and the ability to transfer salary to this account. Additionally, a free VISA prepaid card is provided for the first year. The terms of this account include that profits are calculated based on the account's lowest monthly balance and the account currency is KWD only.
+
+Super Savings Account:
+The super savings account is based on the Wakala investment principle and provides expected returns of up to 0.75%. The benefits of this account include the funds being invested under the Wakala investment principle, monthly distributed returns, up to KD 2,000 cash withdrawal from ATMs, and the ability to transfer salary to this account. The terms of this account include that it is for individuals only, the account can be opened in KWD or any major foreign currencies (USD – GBP - EURO), and a minimum balance of KD 1,000 is required to open the account.
+
+KD Wakala Fixed Deposit:
+The KD Wakala fixed deposit is a Sharia-compliant investment structure that is available for corporations only and is based on the Wakala investment principle. Returns for this investment range from 1 to 60 months. The benefits of this account include being based on the Wakala investment principle, being opened in KWD only, and a minimum limit of KD 3,000 to open the deposit. Returns are earned at maturity from 1 month to 18 months and returns can be earned monthly or yearly as per the customer's choice from 18 months to 60 months. The breakage rule for this account states that if the deposit is cancelled before completing one month, returns are not calculated, but if it is cancelled after completing one month, returns are calculated based on the call account's lowest profit margin.
+
+Sunbula Fixed Deposit in Warba Bank
+
+Warba Bank offers a product called Sunbula Fixed Deposit, which is designed for individuals only. The deposit provides expected returns and gives customers the opportunity to participate in weekly and mega Sunbula draws. To open the deposit, customers need a minimum amount of KD 5,000, and the tenures range from 1-12, 24, 36, 48, and 60 months.
+
+Sunbula Flexible Deposit in Warba Bank
+
+Sunbula Flexible Deposit is another product offered by Warba Bank, designed for individuals only. This deposit is based on the Wakala investment principle, has a minimum limit of KD 20,000, and has an investment period of 12 months. Returns are earned on a quarterly basis, and customers have the chance to participate in weekly and quarterly draws for every KD 1,000 in their deposit. Additionally, customers have the ability to withdraw KD 100 or more during the investment period and to deposit KD 100 or more during the investment period. If the deposit is cancelled before completing 12 months, returns are calculated based on the profit margin of the Sunbula Savings Account. If the deposit is cancelled after completing 12 months, returns are calculated based on the premium savings account profit margin.
+
+FC Wakala Fixed Deposit in Warba Bank
+
+FC Wakala Fixed Deposit is another investment opportunity offered by Warba Bank, designed for both individuals and corporates. This deposit is based on the Wakala investment principle and allows customers to invest in major foreign currencies such as USD, GBP, and Euros. The minimum limit for opening the deposit is Euros 10,000, USD 10,000, or GBP 5,000, and returns are earned at maturity from 1 month to 18 months and monthly or yearly as per customer choice from 18 months to 60 months.
+
+Mastercard and Visa Creditcards
+
+For information on the benefits of Mastercard creditcards, customers are advised to visit priceless.com. For information on the benefits of Visa creditcards, customers are advised to visit visamiddleeast.com.
+
+Pocket Product
+
+Pocket is a fully digital loyalty program offered by Warba Bank, based on earning points and redeeming them through Warba Bank’s application services or purchasing select items from partnering merchants.
+
+Earning Points with Pocket
+
+Customers can earn points with Pocket by:
+
+Paying their mobile bill using Warba Mobile App.
+Using their Credit Card and getting Points instead of Cashback.
+Inviting friends to Warba using the Mobile App.
+Transferring their salary and getting points instead of cash.
+Redeeming Points from Pocket
+
+Customers can redeem their points from Pocket in several ways:
+
+Through Warba Bank application services, including buying digital vouchers, topping up their Credit Cards, paying their mobile bills, transferring points to friends, and transferring points to their Al Sunbula Account.
+Through the Entertainer, where customers can enjoy exclusive discounts and unique offers from over 700 merchants across Kuwait, Dubai, Saudi Arabia, Qatar, and Oman.
+Through purchasing products from Warba Bank's partners.
+Note: Pocket points will expire after one year from the calendar month they were earned.
+
+KYC (Know Your Customer)
+KYC is a mandatory process in accordance with the Central Bank of Kuwait regulation, which requires banks to obtain information about the identity, personal information, financial transactions of customers periodically. The purpose of this process is to ensure the safety and security of customer information and to provide them with uninterrupted financial services. Warba Bank allows customers to update their KYC information through the bank's application in just a few simple steps.
+
+How to Update KYC Information
+Customers can update their KYC information in 4 steps:
+
+Identity check: Confirm if you are a US citizen, stateless nationality, or politically exposed person.
+Personal information: Update your resident address, employment status, source of income and banks you are dealing with.
+Transaction Volume: Update your expected transaction volume.
+Tax information: Update your residency and tax identification number.
+Oasis Club Airmiles
+Oasis Club is a loyalty program offered by Kuwait Airways based on airmiles. With Warba Bank's "Pocket" digital loyalty program, customers can redeem their Pocket points for Kuwait Oasis Club airmiles.
+
+Redeeming Pocket Points for Oasis Club Airmiles
+To redeem Pocket points for Oasis Club Airmiles, customers need to have an active membership account with Oasis Club. They can follow these steps:
+
+Go to the "Pocket" account and select "Exchange Pocket points for Kuwait Airways miles."
+Enter the number of points you would like to exchange and agree to the terms and conditions.
+Upon successful processing, your air miles will be credited to your Kuwait Oasis Club account.
+If you don't have an Oasis Club membership, you can create one by visiting the Oasis Club website. After creating your account, the service should be available within 7 working days on Warba Pocket.
+
+Hassala
+Hassala is a digital savings system offered by Warba Bank that helps customers save for their needs and goals. With Hassala, customers can easily manage their savings and reach their goals faster.
+
+Creating a Hassala
+To create a Hassala, customers can follow these steps:
+
+Start Hassala: From the main page of the Warba Bank app, select "Create a Hassala."
+Select Your Goal: Determine the goal you want to save for.
+Fund Your Goal: Hassala calculates the expected amount to be saved monthly or weekly from one of your accounts according to the specified period.
+Ways to Save in Hassala
+Customers can save in Hassala through several methods, including:
+
+Kharda: Transfer all the remaining funds into your Hassala daily.
+Save as you spend: A predefined amount will be matched with every POS transaction you make and will be saved in your Hassala.
+Sweep: Transfers any excess amount above the set account threshold to the Smart Savings account.
+Automated Transfer: A standing order defined by the user for weekly or monthly transfers.
+TopUp: A manual funding transaction initiated by the user at any moment.
+Hassala Kids
+Hassala Kids is a unique savings app designed to educate children about the importance of saving in a fun way. With Hassala Kids, children can monitor their savings, track their goals, and view all their transactions. The benefits of Hassala Kids include increased engagement between children and guardians, full control over children's Hassalas by guardians, and a new way to reward children.
+
+Creating a Hassala for Kids
+
+To create hassala for kids follow the steps: 
+1- Through Warba Bank app’s main screen, select create a “Hassala”, then define a name for the Hassala and a goal.
+2- Click on “Link Hassala” and enter the kid’s details then create a PIN code for your child.
+3- To complete the process, download the “Hassala Kids” app on your child’s device and enter your child’s Civil ID and PIN code.
+
+Postshipper Service:
+A mail forwarding company that allows its customers to obtain UK and USA local shipping addresses for international purchases and shipments of items to local addresses in Kuwait. Customers can order, track, and pay for these shipments through the Warba app and receive their items through different couriers at competitive rates.
+
+Personal Finance Management:
+An advanced dashboard service that helps clients control their net worth. The main features include My Portfolio, which provides access to the client's assets in a graph showing their net worth, My Cashflow, which displays the inflow and outflow of money, and My Spending and Budget, which tracks spending trends and allows clients to set a budget plan. The service also provides updates on the client's banking experience with Warba Bank, as well as services such as Hassalaty, Payment Due, Request History, and the ability to fully customize the look and feel of the dashboard through the settings.
+
+Entertainer Product:
+A digital coupon subscription service that offers Buy One Get One Free and discount offers for restaurants, attractions, activities, sports, fitness venues, and more across Kuwait, Dubai, Qatar, KSA, and Oman. Users can access an annual pass for The Entertainer at a significant discount through Warba Pocket, which is fully integrated and accessible through Warba Bank.
+
+Super Transfer (Service by Mastercard):
+An international remittance service offered by Warba Bank that enables its retail customers to transfer funds internationally to predefined beneficiaries in a convenient and easy way. The service offers competitive FX rates, the ability to track transaction status, and ensures that the full amount remitted is received by the beneficiary. The two modes of transfer available are Bank Account transfer and Mobile Wallet transfer.
+
+Mustashar Product:
+A digital service from Warba Bank that provides tips and smart solutions to improve the customer's experience when using the bank's application. The service uses artificial intelligence to analyze available data and provide smart banking advice, as well as navigate customers to the required services directly and provide fast assistance.
+
+Express Finance - Cash:
+A financial financing product offered by Warba Bank that allows customers to obtain a finance of up to KD 250,000 in the form of Musawama, in return for holding funds as an investment. The guarantee held can be from a Savings account, Premium Saving account, Sunbula account, or Wakala fixed deposit. The product offers financing of up to KD 250,000, does not require a salary transfer, and is compatible with Sharia principles.
+
+Split Bill:
+A digital service that allows Warba Bank customers to request payments from anyone with a phone number and an ATM card for a local bank. Customers can go to the services tab in the Warba Bank app, choose the Pay Me service, and then choose between contacts for single or multiple money requests. The service allows customers to request from KD 5 to KD 500 per link, request up to KD 5,000 per month, track payment requests, send requests to 10 people a day, and send 10 links to the same person per day.
+
+Smart Cash:
+A digital service provided by Warba Bank that enables customers to transfer a cash amount from their credit card to their account directly and without any fees.
+
+Steps of Smart Cash:
+
+Step are as follow:
+1- Log in to Warba service via the application.
+2- Select the credit card tab, then the service "Smart Cash".
+3- The exact amount for this process will be calculated and displayed. You can adjust the desired amount and then click on "Submit Request".
+4- Enter the password, then press "Confirm".
+5- Upon successful completion of the application, the calculated amount will be deducted from the card immediately and deposited into customer's salary account.
+
+JAM3EYA
+
+What is Jam3eya?
+Jam3eya is a new and advanced digital solution that transforms one of our social habits. This service provides a simple and organized way of handling group expenses.
+
+Benefits of Jam3eya:
+
+Select the monthly Jam3iya amount
+Pick the number of participants
+Choose the goal of the Jam3eya
+Keep track of the invitations
+Track monthly payments
+
+MY BUDGET
+
+What is My Budget?
+My Budget is a service provided by Warba App that enables you to define your monthly expenses. This service helps you keep track of your monthly expenses and make smart financial decisions.
+
+Benefits of My Budget:
+
+Ease of setting a monthly plan
+Help keep track of the monthly expenses
+Save the monthly plan in the application
+Ability to adjust the budget at any time
+Notifications in case of exceeding the specified plan
+
+DASHBOARD
+
+What is Dashboard?
+Warba Bank provides a smart platform that enables customers to track their spending and make smart financial decisions. This platform is known as Dashboard.
+
+Benefits of Dashboard:
+
+Track your monthly expenses
+View spent amounts
+Calculate your expenses of all types
+Follow-up due payments
+Follow up financial requests record
+Know updates such as installments, payment dates, etc.
+
+SHAKE AND SHARE
+
+What is Shake and Share?
+Shake and Share is a service provided by Warba Bank that allows customers to report any issue or suggest a new feature in the application. This service provides a convenient and efficient way of communicating with the bank.
+
+Benefits of Shake and Share:
+
+Ease of submitting suggestions.
+No need to visit the bank.
+Submit wherever you are.
+Report your issue immediately.
+
+MY PORTFOLIO
+
+What is My Portfolio?
+My Portfolio is a list that contains all the details of your accounts, credit cards, investment deposits, and debts. This service provides a comprehensive overview of your financial status.
+
+SOCIAL CIRCLE
+
+What is Social Circle?
+Social Circle is a service that allows you to create and control all your beneficiaries with ease.
+
+APPLY FOR CREDIT CARD
+
+What is Apply for Credit Card?
+Apply for Credit Card is a service that enables you to request the credit card that suits your banking needs.
+
+OPEN & MANAGE DEPOSITS
+
+What is Open & Manage Deposits?
+Open & Manage Deposits is a service that allows you to create and control various types of deposits with ease.
+
+ACTIVATE CARDS
+
+What is Activate Cards?
+Activate Cards is a service that enables you to activate your cards through the Warba Bank application with ease.
+
+TRANSFER MONEY
+
+What is Transfer Money?
+Transfer Money is a service that allows you to easily transfer money with Warba Bank app.
+
+SAFE LOGIN
+
+What is Safe Login?
+Safe Login is a feature that enables you to access the Warba Bank application safely by using face print technology.
+
+PAYMENT SERVICES
+
+What is the Payment Services?
+The payment services offered by Warba Bank allow customers to purchase digital cards through the Warba Bank application.
+
+MOBILE BILLS PAYMENTS
+
+What is Mobile Bills Payments?
+Warba Bank offers a mobile bill payment service that allows customers to pay and schedule phone bills easily and securely.
+
+BRANCH & ATM LOCATIONS
+
+Where are the Branch & ATM Locations?
+All Warba Bank branch locations and ATMs can be found in the application.
+
+CURRENCY EXCHANGE
+
+What is Currency Exchange?
+Customers can find out the currency exchange rates through the Warba Bank application.
+
+FINANCE CALCULATOR
+
+What is Finance Calculator?
+The finance calculator provided by Warba Bank allows customers to calculate the required financing value and know the payment details.
+
+PRAYER TIMES
+
+What is Prayer Times?
+The Warba Bank app allows customers to track prayer times and the direction of the Qiblah.
+
+SALARIES LIST
+
+What is Salaries List?
+The salary disbursement schedule is available through the Warba Bank app.
+
+WESTERN UNION
+
+What is Western union in WARBA Bank?
+Warba Bank introduces Western Union, an international send money service that provides customers with the opportunity to send money internationally to selected beneficiaries.
+
+Why send money through Western Union with Warba Bank?
+Sending money through Western Union with Warba Bank is quick and easy with competitive FX rates. The service also offers tracking transaction status, instant cash receiving by the beneficiary, multiple payout channels worldwide, a guarantee for the beneficiary to receive the full amount, loyalty programs, transfer discounts, and the ability to send money 24 hours a day, 7 days a week.
+
+How to add a beneficiary in Western Union through WARBA Bank application?
+To add a beneficiary in Western Union through the Warba Bank app, follow these steps:
+
+Visit the services screen and click on the Transfer/Pay tap.
+Click on “Western Union”.
+Click on “Beneficiaries” to add a new beneficiary.
+How to send money with Western Union through WARBA Bank application?
+To send money with Western Union through the Warba Bank app, follow these steps:
+
+Click on “Western Union”.
+Select “Send Money”.
+Select the beneficiary and payment account.
+Press calculate to view the exchange rates and fees.
+Click on “send Money” to confirm.
+How to track your transfer of Western Union or Cancel the Western Union transfer?
+To track your transfer of Western Union or cancel the transfer, follow these steps:
+
+1-Click on “Western Union “.
+2-Select “History " Tap.
+3-View your transaction details/status.
+4-To cancel transaction, click on Refund Money.
+Question: What is I Pay service?
+Answer: It is a new service provided to Warba bank customers for instant payment to beneficiaries' accounts with local banks using Knet gateway 24/7 in an easy, fast and safe way.
+
+I Pay Service:
+The I Pay service is an instant payment service provided by Warba Bank that allows customers to make payments to beneficiaries with local banks using the Knet gateway. The conditions for using the I Pay service are as follows:
+
+Minimum amount: 5 KD
+Maximum amount per day: 1000 KD
+Maximum amount per month: 5000 KD
+Maximum amount per transaction: 500 KD
+Payment link validity: 24 hours
+Kuwait Clearing Company (Maqasa):
+With Warba Bank, customers can keep up with the stock market through the Kuwait Clearing Company (Maqasa) service. The service displays all the available shares in KCC and their last closed market price by Borusa Kuwait. The benefits of using the Kuwait Clearing Company (Maqasa) service are:
+
+Simple integration with KCC
+No need to know the trading ID
+No need for any further documents from the customer
+Shows all shares available in KCC and their last closed market price by Borusa Kuwait
+Free of charge service
+To subscribe to the Kuwait Clearing Company (Maqasa) service, customers need to follow these steps:
+
+Go to the “KCC Widget” from the dashboard.
+Click on “Link Your KCC account”
+Read and agree to the terms and conditions.
+Enter your password for verification.
+
+Private Housing Finance:
+Warba Bank also offers a unique service called Private Housing Finance, which allows customers to benefit from calculating and displaying the discretionary deal for housing finance. To use the Private Housing Finance service, customers need to follow these steps:
+
+Click on the side menu “Other Options” and then click the “Private Housing Finance” icon
+Select the finance amount, property type, down payment, and the duration needed
+The full financed deal will be shown to the customer and they can continue the financing journey by tapping “Next”
+In the income verification step, the customer should fill in all the incomes generated from:
+a. Net business profit
+b. Real estate incomes
+c. Property target to purchase (optionally)
+The customer can submit their request by filling in their name and mobile number
+A general message will be shown, and one of Warba Bank's agents will contact the customer in a short time.
+
+Salary Transfer Certificate:
+Warba Bank allows customers to request a Salary Transfer Certificate either by visiting a branch or through the Wabra mobile application. This service makes it convenient for customers to have their salary transfer certificate available at their fingertips.
+
+
+Warba Bank offers several financial services to its customers to make their banking experience more convenient and efficient.
+Warba Bank is a modern banking solution that provides a wide range of financial services to its customers. The bank offers a mobile application that allows customers to access their accounts, pay bills, manage their finances, and more. In this script, we will discuss the various services provided by Warba Bank and how to use them through the mobile application.
+
+
+
+  """
+
+#@title Environment Vars
+openai_api_key = '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'
+
+import os
+os.environ["OPENAI_API_KEY"] = openai_api_key
+
+from langchain.embeddings.openai import OpenAIEmbeddings
+from langchain.vectorstores.faiss import FAISS
+from langchain.text_splitter import RecursiveCharacterTextSplitter
+from langchain import OpenAI, VectorDBQA
+
+
+text_splitter = RecursiveCharacterTextSplitter(chunk_size=1000, chunk_overlap=0)
+texts = text_splitter.split_text(state_of_the_union)
+
+embeddings = OpenAIEmbeddings()
+vectorstore = FAISS.from_texts(texts, embeddings)
+
+qa = VectorDBQA.from_chain_type(llm=OpenAI(), chain_type="stuff", vectorstore=vectorstore)
+
+query = "What is warba bank?"
+qa.run(query)
+
+llm = OpenAI()
+llm(query)
+
+from langchain.chains import load_chain
+
+chain = load_chain("lc://chains/vector-db-qa/stuff/chain.json", vectorstore=vectorstore)
+
+query = "I am w segment and my spends are 3000 international and 1000 local, calculate my cashback"
+chain.run(query)
+
+query = "I am w segment and my spends are 3000 international and 1000 local, calculate my cashback"
+chain.run(query)
+
+!pip install streamlit
+
+import streamlit as st
+
+# State of Union Text
+#state_of_the_union = """ data"""
+
+# Environment Vars
+openai_api_key = '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'
+import os
+os.environ["OPENAI_API_KEY"] = openai_api_key
+
+from langchain.embeddings.openai import OpenAIEmbeddings
+from langchain.vectorstores.faiss import FAISS
+from langchain.text_splitter import RecursiveCharacterTextSplitter
+from langchain import OpenAI, VectorDBQA
+
+
+text_splitter = RecursiveCharacterTextSplitter(chunk_size=1000, chunk_overlap=0)
+texts = text_splitter.split_text(state_of_the_union)
+
+embeddings = OpenAIEmbeddings()
+vectorstore = FAISS.from_texts(texts, embeddings)
+qa = VectorDBQA.from_chain_type(llm=OpenAI(), chain_type="stuff", vectorstore=vectorstore)
+
+from langchain.chains import load_chain
+
+chain = load_chain("lc://chains/vector-db-qa/stuff/chain.json", vectorstore=vectorstore)
+
+def run_chain(query):
+    return chain.run(query)
+
+st.title("Vector-based DBQA with OpenAI and Langchain")
+query = st.text_input("Enter your query:")
+if st.button("Ask"):
+    answer = run_chain(query)
+    st.write("Answer:", answer)
+
+!pip install gradio
+
+import gradio as gr
+
+# State of Union Text
+#state_of_the_union = """ data"""
+
+# Environment Vars
+openai_api_key = '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'
+
+import os
+os.environ["OPENAI_API_KEY"] = openai_api_key
+
+from langchain.embeddings.openai import OpenAIEmbeddings
+from langchain.vectorstores.faiss import FAISS
+from langchain.text_splitter import RecursiveCharacterTextSplitter
+from langchain import OpenAI, VectorDBQA
+
+
+text_splitter = RecursiveCharacterTextSplitter(chunk_size=1000, chunk_overlap=0)
+texts = text_splitter.split_text(state_of_the_union)
+
+embeddings = OpenAIEmbeddings()
+vectorstore = FAISS.from_texts(texts, embeddings)
+qa = VectorDBQA.from_chain_type(llm=OpenAI(), chain_type="stuff", vectorstore=vectorstore)
+
+from langchain.chains import load_chain
+
+chain = load_chain("lc://chains/vector-db-qa/stuff/chain.json", vectorstore=vectorstore)
+
+def run_chain(query):
+    return chain.run(query)
+
+inputs = gr.inputs.Textbox(lines=1, label="Enter your Question:")
+outputs = gr.outputs.Textbox(label="Answer:")
+
+def run_app(input):
+    return run_chain(input)
+
+gr.Interface(fn=run_app, inputs=inputs, outputs=outputs, title="The following is a conversation with a human called Shegardi. Shegardi is helpful, precise, truthful, and very friendly. Also, Shegardi is an employee of Warba Bank, located in Kuwait. Shegardi will only use the information provided to him.").launch(share=True)
+
+query
+
+
+