Scoring

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.

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

Response content:

dataNinja

Attribute	Type	Description
creditScoring	object	Credit scoring result

creditScoring

Attribute	Type	Description
scoringCrif	number	scoring based entirely on CRIF data. It takes values ​​from 0 to 1
scoringTransact	number	scoring based on banking data. It takes values ​​from 0 to 1

Example response

{
    "dataNinja":{
        "creditScoring":{
            "scoringCrif":0.0,
            "scoringTransact":0.0
        }
    }
}