What is Notto and how does it work?

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.

What countries does Notto operate in?

Notto operates across 20+ markets in Africa and is registered and licensed as a credit bureau in South Africa (NCRCB60).

Does Notto have a mobile app?

No, Notto does not have a mobile app. It is available via API and web platform for enterprise lending and risk teams.

Who is Notto best suited for?

Notto is best suited for banks, telcos, and fintechs that need credit visibility and decisioning tools to expand lending to underserved customers in emerging African markets.

How do I contact Notto support?

You can contact Notto support at hello@nottoafrica.com.

Does Notto have a plan for teams or businesses?

Yes, Notto is designed for businesses and enterprises; it serves as B2B infrastructure for banks, telcos, and fintechs rather than individual consumers.

Does Notto offer an API or integrations?

Yes, Notto offers an API-first infrastructure for integration with your systems. It supports cloud, on-premise, or hybrid deployment options and can be set up in 30 days.

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Notto: Overview, Features, Pricing & Funding – Liners

Notto

🇿🇦 South Africa

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.

Use it on:WebAPI

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 , with stated operation across and published network-scale metrics such as and .