TL AIS

Your user is asked to log into their bank account via our widget. They log in exactly how they would on their banks' websites, along with SCA in line with PSD2 regulations. TL AIS then connects with a bank of their choice. Within seconds all the necessary data is available to you. It consists of your user's name, address, PESEL, their bank account number, balance, overdraft limit, currency and opening date and amounts, titles and dates of all their transactions from the last 3 months. This raw data is a great starting point for all your KYC needs. It can be used as a stand-alone measure but also works really well as a fuel for countless Apps from FinTech Appstore.

Data Ninja Scoring

Data Ninja Scoring App uses machine-learning based models to analyse transactions and bank account data and to calculate your users' credit score. The app uses a scoring module capable of indicating the likelihood of the customer purchasing your services or their ability to repay the loan.

Data Ninja Labelling

Data Ninja Labelling uses machine-learning based models that label transactional data of your users into one of 27 transaction categories (e.g. income, loans, shopping, transportation) and further sub-categories (e.g. transportation-fuel; shopping-food). That data can later be used to fuel your credit scoring models or to gain more insightful information on your customers.