# 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 <tech@transactionlink.io> for detailed information.

### Response content:

#### dataNinja

| Attribute                         | Type     | Description           |
| --------------------------------- | -------- | --------------------- |
| [`creditScoring`](#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

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


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