Lecto

Lecto (Lecto, Inc.) is a Japanese fintech company founded in January 2021 and headquartered in Shibuya, Tokyo. The company provides an end-to-end digital platform for debt management, dunning, collection, and reconciliation operations — dubbed 'collections tech' (督促回収テック). Lecto's platform automates the complex workflows involved in receivables management, enabling financial services companies, retailers, and subscription businesses to reduce manual collection operations and improve recovery rates using AI-driven analysis of customer data and payment patterns. As of 2025, Lecto had managed cumulative debt amounts exceeding JPY 47 billion. Investors include MUFG's IP division and SMBC Consumer Finance (SMBC Group). The company has ISO 27001 (ISMS) certification.