# Data Ninja

### How does it work?

Data Ninja integration requires input data in the form of a bank's list transactions (data from AIS/PSD2) which is then analyzed by a data categorization engine. 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. **The average time of AIS/PSD2 data analysis by the engine is 1240 ms**

This application contains [scoring](/docs/v1/integrations/data-ninja/scoring.md), [behavioural profiling](/docs/v1/integrations/data-ninja/profiling.md) and [labeling](/docs/v1/integrations/data-ninja/labeling.md) modules.

{% hint style="info" %}

#### Required applications

For the correct operation of the every Data Ninja module , you will need an enabled and configured [TransactionLink AIS](/docs/v1/integrations/ais.md)
{% endhint %}

By using these modules, you can get the following information:

* Data categorization
* Behavioural profile of the customer
* Income identification
* Identification of liabilities
* Identification of identity
* Analysis of purchases from the competition
* Subscription list
* Geolocation of the purchases


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