Pushing the limits of credit and risk decisioning

Lightspeed data in real-time.

Creating a more predictable future for lenders

As a pioneer in open banking technology, we know through hard-earned experience that the fabric of credit and decisioning has it holes.

Every second around the world, thousands of decisions are informed by static scores and historic data that is helpful - but incomplete.

Last month's data is history

At Atto, we provide instant insights into the financial behaviours of borrowers through real-time transaction data. This gives lenders a deeper understanding of their customer's spending, saving and earning.

This allows for more confident decisions, more accurate predictions and more profitable portfolios.

Driven by pioneers

Atto was the creator of the world's first AISP integration, driving a mission to create a fairer and more efficient credit risk process for businesses and consumers who are underserved by the financial system.

Today, our team of credit risk specialists, data scientists, tech builders and product managers continue to work passionately to improve credit and risk processes for everyone.