Notto Explained
We are making more Africans visible to formal credit.
Learn about Notto in simple words: who we are, the problem we solve in African credit, and how we help banks and other institutions lend to more people.
Who we are
Notto is an alternative credit infrastructureis everyday financial information not captured in traditional credit reports, such as bill payments, rent, and more.
company that helps banks and lenders safely lend to more people.
In practice, Notto provides the technology (APIs) and the scoring models that turn mobile and digital data into clear indicators for lenders to lend.
Why does this matter
Traditional credit datais the information in a credit report based only on a person's history with borrowed money, like credit cards and loans. is often incomplete in developing countries, leaving lenders in the dark.
Today, mobile and digital activity across Africa is unlocking a new source of data, enabling banks and lenders to discover more borrowers.
Mobile phone usage across Africa is creating a new source of data.
How Notto works
We use our proprietary AI-powered systems to analyze alternative datais everyday financial information not captured in traditional credit reports, such as bill payments, rent, and more. and produce clear indicators lenders can act on.
How Notto works
This proprietary system is called Alternative Data Intelligence (ADI).the technology and systems that turn alternative data into clear indicators lenders can use to assess borrowers.
In practice, a person who pays airtime, utilities, and merchant bills consistently is building a pattern of financial reliability. Notto’s ADI reads that pattern and turns it into something a lender can use.
What you can do with Notto
Scale mass-market credit safely
Notto helps banks and fintechs lend to more people with confidence.
Turn behavioral data into a real asset
Notto helps telcos and platforms turn alternative data into compliant revenue streams.
FAQ
Your guide to Notto
Lenders and businesses involved in credit decision-making — commercial banks, lending fintechs, microfinance institutions, and telcos offering credit products.
If you are actively lending, have relevant customer data, and want to improve approval quality or reduce defaults, Notto is likely a strong fit.
In most cases, yes. There usually needs to be an active lending context for Notto to add value.
That can still work, especially if you are preparing to launch and want to build a stronger risk foundation from the start.
No. Notto is credit infrastructure and decision intelligence, not the lender itself.
By using alternative data to make better credit decisions, we help you identify more creditworthy borrowers and improve overall approval quality.
Higher approval rates, fewer unpaid loans (lower non-performing loans), a clearer picture of which customers are good borrowers, and smarter loan decisions.
Yes. The goal is to approve more of the right customers, not just more customers. A clearer view of risk makes both possible.
Notto uses alternative data to assess risk in contexts where traditional models fall short, helping organisations lend with more context and confidence.
It moves from discovery to proposal, then decision, contract, and onboarding.
A mix of business, technical, and operational stakeholders, along with someone inside your organisation who can drive the process forward.
Worth asking whether it makes strategic sense, how long it would take, and what business opportunity may be lost in the meantime.
The focus shifts to onboarding, getting your team ready, setting success metrics, and hitting early goals and checkpoints.
It helps teams make better decisions when traditional data alone is not enough, especially for customers with little or no credit history, or groups more likely to miss repayments.
Yes. Alternative data builds a fuller picture of how people manage their money, making it possible to assess customers who would otherwise be overlooked.
It is built to work within real business workflows, fitting into existing systems and processes rather than replacing them.
No. Notto is designed to strengthen your existing infrastructure, not disrupt it.
Depending on your environment, integration can involve APIs, core systems, or your existing data storage systems.
Yes. Compliance, security, and deployment considerations are built into the evaluation process from the start.
Yes. Technical validation or sandbox testing can be part of the process before broader rollout.