The credit infrastructure for the modern economy
Our infrastructure turns alternative data into credit intelligence, enabling banks to grow safely, fintechs to scale, and telcos to unlock new revenue.
Notto’s three layers of credit intelligence
At the core of Notto is a modular system designed to make the invisible human economic signals visible and the complex real-world behaviours explainable
Surface economic signals & patterns from alternative data.
Turn signals into predictive, explainable credit scores.
Integrate securely across enterprise systems, at scale.
Capabilities
Our architecture combines enterprise-grade technology with expert guidance in a single platform that delivers practical tools for growth and risk control.
AI-Powered Notto® Score
Alternative credit scoring using AI/ML with customizable scorecards, real-time or batch scoring, and continuous performance tracking.
AI Infrastructure
Plug-and-play deployment (cloud, on-premise, or hybrid) with enterprise-grade performance, bank-level security, and an API-first design that scales to millions of transactions.
AI Recommendations
Hyper-personalized, dynamic product recommendations that drive adoption, reduce churn, and expand customer lifetime value.
Implementation Support
Forward Deployed Engineering focused on technical integration, ongoing model monitoring, performance optimization, and compliance documentation for board or regulator reviews.
Credit Strategy & Policy
Policy design, risk appetite frameworks, and governance models.
How it works
Our platform makes alternative credit intelligence simple to deploy, no matter your infrastructure.
For banks and regulated institutions, everything stays inside your firewall giving you full control, compliance, and visibility with zero reliance on external servers.
- Data and models remain fully within your environment.
- Training and deployment integrate with your internal systems.
- Monitoring and governance stay under your direct control.
- Full compliance maintained with zero external dependency.
For institutions balancing regulatory control with flexibility.
- Sensitive workloads and core data remain on-premise.
- Scalable training and deployment run in the cloud.
- Unified monitoring and governance ensure consistency across
environments. - Flexibility to adapt as compliance or scale needs evolve.
For partners who prefer elastic, enterprise-grade infrastructure.
- Data hosted in secure, compliant cloud environments.
- Models trained and deployed at scale with managed services.
- APIs deliver real-time or batch scores seamlessly.
- Continuous monitoring and automated reporting built-in.
Enterprise ready