SMS & WhatsApp Business API for Banks, NBFCs and Fintechs in India
OTP delivery, transaction alerts, EMI reminders, loan updates and KYC nudges — sent across SMS, WhatsApp, RCS and Voice with 99.9% uptime and TRAI DLT compliance.
- OTP for login, payments and KYC — Multi-channel OTP delivery so customers never get stuck at checkout, login or KYC.
- Transaction & fraud alerts — Instant SMS or WhatsApp alerts for debits, credits, login attempts, card swipes and unusual activity.
- EMI & collection reminders — Automated reminder cadence ahead of due dates, on the due date, and through the grace period.
- Monthly statements & re-KYC — Send statement-ready alerts with secure portal links, schedule periodic re-KYC nudges, and trigger event-based document requests directly into customer WhatsApp threads with full template safety.
Indian banking and financial services run on speed and trust. An OTP that does not land in three seconds breaks a payment journey. A transaction alert that arrives an hour late breaks fraud-prevention. A renewal reminder that misses a customer breaks retention. Ojiva AI gives banks, NBFCs, fintech apps, lending platforms, payment gateways and wealth managers a single multi-channel layer for every transactional, servicing and engagement touchpoint — designed from day one for TRAI DLT, RBI customer-communication expectations and the realities of the Indian telecom network. Whether your team handles a few thousand OTPs a day or millions of statements at month-end, the same APIs, dashboards and template controls scale with you, with sender-ID-level audit trails and consent enforcement baked in.
What Banking & Financial Services teams tell us they struggle with
High-volume transactional traffic that cannot fail
OTPs, debit alerts, statement notifications and KYC nudges run continuously across the day. Each one needs to land in seconds, on every operator, with predictable cost. A single failed OTP can break a checkout, while a delayed fraud alert can mean a customer loses money — both translate directly to support tickets, lost revenue and regulator scrutiny.
Strict regulatory boundaries with zero margin for error
TRAI DLT registration, RBI guidance on customer communication, KYC consent rules and template approval across every bank-customer touchpoint leave no room for ad-hoc messaging. Sender IDs, content templates, opt-outs and audit logs need to be ready the moment a regulator asks. Compliance failures here are not a slap on the wrist — they are blocking issues for your messaging programme.
Brand trust is built and broken in the inbox
A bounced OTP, a fraud-warning sent late, a generic-looking promotional template that gets reported as spam — every one chips away at customer confidence. For regulated brands, the messaging stack is not infrastructure plumbing; it is part of the brand experience. Customers form an opinion of the bank in those few-second interactions every single day.
OTP, transaction alerts & account notifications — DLT compliant Bulk SMS
The default rail for transactional banking traffic. DLT-registered sender IDs, pre-approved templates and direct telecom routing keep delivery fast and consistent across Jio, Airtel, Vi and BSNL. Used for OTP at login, debit and credit alerts, EMI due notifications, monthly statement availability and KYC document requests.
- OTP for login, payments and KYC
- Transaction & fraud alerts
- EMI & collection reminders
Loan updates, EMI collection & KYC nudges via WhatsApp Business API
WhatsApp Business API handles richer customer-servicing flows where a two-way conversation makes sense — KYC document collection, branch appointment booking, basic account servicing, and bot-to-agent handoff for live support. Templates handle proactive outreach; sessions handle responsive servicing.
- Monthly statements & re-KYC
- New product cross-sell
- Customer servicing on WhatsApp
Verified branded RCS messaging for premium banking communication
RCS Business Messaging adds verified sender identity, brand colours and rich cards to messages on supported Android devices. Useful for monthly statement summaries, secure link delivery for net-banking flows, and any communication where trust signalling matters.
- Separate transactional and promotional sender IDs
- Build OTP fallback into the customer journey, not the message
- Treat templates like product features
Key workflows for Banking & Financial Services teams
Each workflow ships in days — no custom dev needed. Use no-code flows, the visual builder, or REST API.
OTP for login, payments and KYC
Multi-channel OTP delivery so customers never get stuck at checkout, login or KYC. Configure SMS as primary with WhatsApp / Voice fallback so a single channel hiccup does not block a transaction.
Transaction & fraud alerts
Instant SMS or WhatsApp alerts for debits, credits, login attempts, card swipes and unusual activity. Templates can include amount, merchant, timestamp and a one-tap "Not me" link to a fraud-handling flow.
EMI & collection reminders
Automated reminder cadence ahead of due dates, on the due date, and through the grace period. Voice-call fallback handles the highest-value loans where direct contact converts better than messaging.
Monthly statements & re-KYC
Send statement-ready alerts with secure portal links, schedule periodic re-KYC nudges, and trigger event-based document requests directly into customer WhatsApp threads with full template safety.
New product cross-sell
Send compliant promotional offers to opted-in customers with segment-aware copy — pre-approved loan offers, credit-card upgrades, fixed-deposit renewals — separated cleanly from your transactional traffic.
Customer servicing on WhatsApp
Run an "always-on" WhatsApp servicing channel where customers can check balances, raise complaints, schedule branch visits and reach a live agent without dialling a call-centre.
Why Banking & Financial Services teams choose Ojiva AI
The results that move the needle — across SMS, WhatsApp, RCS and Voice.
Faster transaction journeys
Cut drop-offs at OTP and KYC steps by routing across the channel a customer is most likely to receive on first try.
Lower call-centre load
Move routine servicing — balance checks, statement requests, branch booking — out of the IVR queue and into asynchronous WhatsApp.
Improved collection contact rates
Use a multi-channel reminder cadence so every overdue customer is reachable somewhere — not just on a single number that may not be answered.
Cleaner regulator audit trail
Per-template approval records, per-message delivery logs and per-customer consent state make audits a query, not a fire-drill.
Brand-consistent customer touch
Verified senders, approved templates and brand-coloured RCS messages keep every customer-facing communication visibly on-brand.
TRAI DLT-ready, supports sender ID and template registration, opt-in / opt-out enforcement, and audit logs that align with RBI customer-communication expectations.
Banking communication in India sits at the intersection of TRAI rules (DLT registration, sender ID rules, opt-out enforcement) and RBI expectations (customer consent, preserved records, secure handling of customer identifiers). Ojiva AI is built so both sets of obligations are operationalised — not added as an afterthought. Sender IDs and templates are registered on the DLT platform with the right principal entity and category; transactional and promotional traffic stays cleanly separated; opt-outs are honoured at the template and customer level; per-message logs are queryable for the period your audit team requires; and customer phone numbers and OTP codes are encrypted in transit and at rest, with OTPs stored as one-time-use hashes only.
Banking & Financial Services — Frequently asked questions
Common questions from banking & financial services teams evaluating Ojiva AI.
Still have questions? Talk to us →Ready to scale communication in Banking & Financial Services?
Talk to our solutions team — no obligation, no sales pressure.
✓ Free 14-day trial✓ No credit card required✓ Live in under 10 minutes