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Assess real incomes to approve affordable credit
An alternative credit infrastructure platform that turns behavioural and transaction data into real-time credit scores and decisioning tools for banks, telcos, and fintechs in Africa.
Notto Product Overview
Is Notto Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Banks and lenders
- Telcos offering loans
What It Does Well
- Alternative data scoring
- Real-time credit scores
Things to Check
- Data sources supported
- Banking system integrations
About Notto
Notto is a licensed alternative credit bureau and alternative data intelligence platform for banks, telcos, and fintechs that need credit visibility and decisioning tools in emerging markets.
Key capabilities include:
- Real-time and batch credit scoring that translates decentralized behavioural signals from multiple alternative data sources into usable scores, with support for widening addressable lending markets.
- Explainable, audit-ready decisioning with dynamic policy and risk appetite tuning, plus challenger/champion models to test and improve underwriting performance over time.
- Deployment infrastructure for integration at scale, built as API-first credit infrastructure with cloud or on-premise deployment options, full observability, and a stated 30-day system setup.
- Monitoring and governance features including AI-driven data quality and drift monitoring, plus continuous performance and bias monitoring and model lineage for traceability.
Available via API with a Web presence for platform and onboarding information.
Target users include enterprise lending and risk teams at banks, credit-led fintechs, and telcos seeking to monetize alternative signals through credit products.
Notable in the African market context, it is described as Africa’s first licensed alternative credit bureau and is registered and licensed in South Africa (NCRCB60), with stated operation across 20+ markets and published network-scale metrics such as 8M+ credit scores generated and 1B+ transaction records analyzed.
Notto Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
What it does
Pricing & Fees
Contact for pricingNo public pricing, enterprise sales-led, "Get Started" via contact.
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Notto Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataNotto has 1 recorded funding event. The latest was Seed in Jun 2022.
- Total Raised:
- Undisclosed
- Latest Round:
- Seed
Notto Investors & Funding Rounds
SeedUndisclosedJun 2022
Notto Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source dataFrequently Asked Questions About Notto
Notto is Africa's first licensed alternative credit bureau that transforms behavioral and transaction data into real-time credit scores and AI-powered lending decisions. It helps banks, telcos, and fintechs assess creditworthiness using alternative data sources, enabling them to approve more customers while managing risk.
Notto does not charge individual consumers to be part of the credit scoring ecosystem, while enterprise business pricing for APIs and data pipelines is completely customized and available only by contacting their corporate sales team
Notto operates across 20+ markets in Africa and is registered and licensed as a credit bureau in South Africa (NCRCB60).
To sign up for Notto, businesses must submit an inquiry via their official contact page to initiate API onboarding, while individual consumer profiles are generated automatically when a partnered bank, landlord, or telecom provider reports their data.
No, Notto does not have a mobile app. It is available via API and web platform for enterprise lending and risk teams.
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