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| Operating area | Indonesia |
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| Founded | August 1993 |
| Owner | PT ALTO Network |
ALTO is an interbank network in Indonesia. It was founded in August 1993.
In 1997, Asian Economic Crisis invaded Indonesian banking industry. Many banks closed, merged or recapitalized.
In 2007, ALTO expanded the business to Money Transfer Operation. In 2009, ALTO developed Mobile Air Time Top Up for all telecommunication provider in Indonesia. The newest business start up from ALTO is Boston School of Banking and Finance, which focused in education for the future banking employers. The other start up is a payment service named ALTO Cash.
In November 2013, ALTO made a joint venture with Seven Bank, who is a Japanese ATM network, named PT. ATM. The goal is to developing ATM business in Indonesia.
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