Scoring calculated on the basis of the banking data

How does it work?

Data Ninja Scoring module requires input data in form of a list of bank transactions (data from AIS/PSD2). This data is later used to fuel the credit scoring model. A credit score is a numerical value that evaluates the financial well-being of your customer. Based on that you can decide whether to, for example, grant a loan or at which rate.


Response content:

  • scoringCrif - scoring based entirely on CRIF data. It takes values ​​from 0 to 1
  • scoringTransact - scoring based on banking data. It takes values ​​from 0 to 1.

How to interpret the scoring values ​​is individual per implemented specific model. Contact us at [email protected] for detailed information.