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Banking, insurance, fintech

Messaging that protects your customer and your institution.

Secure, compliant, branded communications for authentication, fraud prevention, transactional alerts and conversational banking. Built for the reliability your operations team requires and the customer experience your product team demands.

The landscape

Every missed SMS is a lost customer or a fraud event.

In banking and financial services, messaging is rarely just communication — it is authentication, fraud prevention, regulatory obligation and customer experience rolled into one. A late OTP means a failed transaction. A generic SMS looks like phishing. A poorly designed fraud alert gets ignored. We build messaging infrastructure for financial institutions where reliability, security and brand integrity are the bar, not the goal.

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P95 OTP latency in tier-1 markets
99.9%
Authentication traffic delivery rate
PSD2
SCA-aligned authentication flows
GDPR
EU-resident data processing
The challenges

What keeps teams up at night.

OTP latency and deliverability

Even a 10-second delay on an authentication SMS causes abandonment, failed transactions and support volume. Most providers only measure delivery, not time-to-inbox.

SMS phishing and impersonation

Fraudsters spoof sender IDs to trick customers into clicking malicious links. Verified branded sender on RCS and WhatsApp is a structural defense, not a patch.

Regulatory complexity

PSD2 SCA, GDPR, local banking authorities, jurisdiction-specific retention. Messaging providers rarely engage with this — we do.

Legacy authentication flows

Core banking systems still depend on SMS for 2FA. Modernizing to RCS, WhatsApp or push notifications requires careful migration, not rip-and-replace.

Fraud alert fatigue

Customers ignore alerts that look like every other SMS. Rich, branded, context-aware alerts get acted on — the difference is measurable in fraud loss reduction.

Conversational banking adoption

Customers want WhatsApp support, branch appointments by chat, balance inquiries via voice. Getting it right requires AI, compliance and UX working together.

How we help

Solutions tuned to your sector.

Sub-second OTP delivery worldwide

Premium A2P SMS routes dedicated to authentication traffic, with latency SLAs, real-time monitoring and automatic failover across multiple carriers.

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Branded fraud alerts via RCS

Verified sender, bank logo and colors, tappable action buttons for confirm or dispute. Reduces customer confusion and measurably increases response rates.

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WhatsApp for conversational banking

Official WhatsApp Business API for balance inquiries, transaction disputes, card controls, appointment booking — with PSD2-aligned authentication flows.

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AI-powered customer service

LLM-based conversational agents trained on your FAQs, products and policies, with strict guardrails for regulated content and human handoff for complex cases.

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Typical workflows

What the end-to-end flow looks like.

1

Customer authenticates

OTP via SMS or WhatsApp, backed by premium routes with sub-second latency and multi-carrier failover.

2

Transaction confirms

Branded push via RCS or WhatsApp with logo, amount, merchant and action buttons for dispute or confirm.

3

Suspicious activity detected

Immediate branded alert on the customer's preferred channel, with one-tap block or verify via deep-link into the banking app.

4

Support engages

AI assistant handles routine queries on WhatsApp; escalates to a human agent with full context, identity verified via in-app SCA.

Outcomes

Reliability you can measure. Compliance you can defend.

We operate messaging programs for retail banks, digital-first fintechs and insurance groups across Europe, Africa and LATAM. The outcomes are consistent when the fundamentals are done right: faster auth, lower fraud loss, higher customer trust, cleaner audits.

  • P95 OTP latency below 3 seconds in tier-1 markets, below 10 seconds globally
  • Branded sender verification across RCS, WhatsApp and Viber to reduce phishing exposure
  • Audit-ready logs with message content, recipient, timestamps, route, and DLR chain
  • PSD2 SCA-aligned authentication flows across SMS, push, WhatsApp and biometrics
  • GDPR-compliant message retention with configurable windows and deletion workflows
  • Real-time deliverability and fraud-alert conversion dashboards for operations teams
Solutions for this sector

The building blocks we pair together.

SMS Messaging RCS Business Messaging WhatsApp Business API AI Conversational Messaging Worldwide Delivery IT Consulting & Development
FAQ

Frequently asked questions

Can you meet PSD2 Strong Customer Authentication requirements?
Yes. Our SMS, WhatsApp and push delivery supports PSD2 SCA factors — possession (device), knowledge (PIN/password handled by you), inherence (biometric via app). We design the message envelope and delivery channels to meet the dynamic-linking requirement for transaction authentication.
How do you handle OTP under degraded network conditions?
Premium routes with multi-carrier failover within the carrier network, plus cross-channel fallback (SMS → voice → email) if configured. Deliverability thresholds trigger automatic route switching before the customer notices.
What is your position on GDPR and banking data?
We process message data inside the EU by default, with DPAs, sub-processor transparency and configurable retention. For institutions that require it, we deploy on dedicated infrastructure or within the customer's own cloud.
Can we route some traffic through our own SMPP and some via your API?
Yes. Hybrid architectures are common — your existing SMPP gateway for legacy traffic, our REST for new channels and RCS/WhatsApp. We help design the migration and operate both.
Do you support conversational banking regulations?
We help you design flows that meet the rules of EBA, FCA, CSSF, Bank of Italy and others — including disclosure requirements, consent management, retention, and human-in-the-loop for advice-adjacent conversations.
How do you reduce SMS phishing risk?
A combination of registered sender IDs in regulated markets (DLT, UK short codes), branded verified senders on RCS, WhatsApp and Viber, and consumer-education message patterns. No single measure eliminates phishing, but the combination materially reduces exposure.

Let's talk about banking & financial services.

Share your stack, your region, your regulatory constraints. We reply within one business day with a concrete plan.

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