DIGITAL BANKING
The legacy system challenge Many financial institutions operate multiple tools that have been implemented over time. Making sense of this fragmented landscape has become increasingly problematic, even for the organisations themselves.
NOTO addresses this through two main streams, each with three clearly defined solutions aimed at different points in the customer journey.
“Fraudsters are always the first adopters, the early adopters of new technologies like AI and deepfakes”
IVAN STEFANOV, CEO & COFOUNDER, NOTO
These are:
NOTO 360 AML Compliance:
• NOTO Customer Risk Assessment( CRA)
• NOTO FlashScan
• NOTO Transactional AML NOTO 360 Fraud Prevention:
• NOTO Account Fraud
• NOTO Payment Fraud
• NOTO Account Takeover( ATO)
Organisations can start with whichever module addresses their most pressing problem and build from there.
“ You can start with any of them depending on what your burning problem is, or what’ s on your roadmap and agenda, and continue to build on that utilising the same API, the same data feed,” Ivan says.
This contrasts with the traditional approach of implementing separate tools for onboarding, transaction monitoring, sanctions screening and fraud detection.
142 November 2025