---
title: "Notto: Credit Scoring in Africa"
description: "Score borrowers using alternative behavioural and transaction data. API-first setup in 30 days; cloud or on‑premise. Licensed in South Africa."
canonical_url: "https://liners.com/notto"
markdown_url: "https://liners.com/notto.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/notto/screenshot.webp?v=1779001239663"
published_at: "2026-05-01T08:43:02.213Z"
updated_at: "2026-10-02T19:45:41.396Z"
---

# Notto: Credit Scoring in Africa

Score borrowers using alternative behavioural and transaction data. API-first setup in 30 days; cloud or on‑premise. Licensed in South Africa.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Notto](/notto)

## Summary

Alternative data credit scoring for smarter lending decisions

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://nottoafrica.com/ |
| Tagline | Alternative data credit scoring for smarter lending decisions |
| Primary country | South Africa |
| Platforms | API, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Fintech](/categories/fintech): Category
- [AI-Powered](/tags/ai-powered): Product feature or technology
- [B2B](/tags/b2b): Product feature or technology
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [Predictive Analytics](/tags/predictive-analytics): Product feature or technology
- [South Africa](/countries/south-africa): Market
- [Zambia](/countries/zambia): Market
- [Zimbabwe](/countries/zimbabwe): Market

## Related pages

- [Alternatives](/notto/alternatives)
- [Reviews](/notto/reviews)
- [Transparency](/notto/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/notto)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)