Regulated

How bfsi & fintech messages customers

01Real scenarios

Login and payment OTP

A one-time code that has to land in seconds, regardless of network conditions, to authorise a transaction.

Loan EMI due reminder

A nudge before the due date with the amount, the loan reference and a pay-now link.

Suspicious transaction alert

An immediate alert naming the amount, the last four digits of the account, and a number to call if it wasn't the customer.

KYC document reminder

A follow-up asking a customer to upload a pending document before their account is restricted.

02Channel mix

Moment	Channel	Why
Login OTP	SMS, with Voice fallback	Speed and reliability matter more than richness for a security code.
EMI due reminder	WhatsApp	Supports a quick-reply button and a pay-now link in one message.
Suspicious transaction alert	SMS	Fastest channel, works on any handset, no read-receipt dependency.
KYC reminder	WhatsApp	Can carry a document-upload link and a short explainer.

03Sector compliance notes

OTP and transaction alerts must run on a transactional route, never a promotional one, or they get blocked outright rather than merely delayed.

Time-sensitive headers — fraud alerts, loan disbursal — need explicit category tagging at template registration, or they queue behind ordinary marketing traffic.

Consent records for EMI and collections messages should be kept on file, since these sit close to the DND boundary even though they are service messages.

Content implying guaranteed returns or specific transaction values is a common rejection reason at template review — draft around it rather than after a rejection.

04Template pack

{{1}} is your OTP to complete your transaction on {{2}}. Valid for {{3}} minutes. Do not share this code with anyone.

EMI due reminder

Hi {{1}}, your EMI of ₹{{2}} for loan {{3}} is due on {{4}}. Pay now: {{5}}

Suspicious transaction alert

Alert: A transaction of ₹{{1}} was made on your account ending {{2}} at {{3}}. If this wasn't you, call {{4}} immediately.

KYC reminder

{{1}}, your KYC update is pending. Upload documents here: {{2}} to avoid account restriction.

05Integration notes

Core banking systems, connected over a secure webhook
Loan origination and collections software
CRM systems such as Salesforce and Zoho
Fraud and risk-monitoring systems for real-time alert triggers

06Related solutions

OTP & User Verification

Payment & Collection Reminders

Alerts & Notifications

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