Automate EMI payment reminders, loan disbursement alerts, account statements, OTP delivery, and fraud notifications through WhatsApp Business API integrated with your core banking system. Get Click Media integrates WhatsApp with core banking systems and NBFC loan management systems in India- improving on-time EMI payment rates by 28% and reducing collections team workload by 45%.
Official Meta BSP · CBS integration (Finacle, Temenos, FLEXCUBE) · RBI-aligned compliance · India-hosted data (AWS Mumbai)
Trusted by 10,000+ businesses across India
WhatsApp Business API for banking and NBFCs enables automated EMI payment reminders, loan disbursement alerts, account statements, OTP delivery, and fraud notifications through WhatsApp. Get Click Media integrates WhatsApp with core banking systems and NBFC loan management systems in India- improving on-time EMI payment rates by 28% and reducing collections team workload by 45%.
Indian banks and NBFCs send millions of transactional messages daily- EMI reminders, payment confirmations, KYC alerts, and account updates. SMS achieves 30-35% open rates and has declining CTR. WhatsApp achieves 98% open rates and enables two-way interaction- a customer can confirm a payment, raise a dispute, or request a statement directly in the chat.
Indian banks and NBFCs face a critical challenge: the collections-to-EMI ratio is worsening as manual calling becomes less effective. Customers ignore unknown calls but respond to WhatsApp from a verified, named institution.
The verified Green Tick on WhatsApp creates trust that SMS sender IDs cannot match- critical for financial communication where fraud is a significant concern. With 28% improvement in on-time EMI payments and 45% reduction in collections team workload, WhatsApp is rapidly becoming the standard for banking communication in India.
💡 Key insight: SMS achieves 30-35% open rates with declining CTR. WhatsApp achieves 98% open rates and enables two-way interaction- a customer can confirm a payment, raise a dispute, or request a statement directly in the chat.
Manage all customer communication from a single dashboard- EMI reminders, loan disbursements, OTP delivery, KYC collection, account statements, and fraud alerts- with full integration to your core banking system.
Interactive WhatsApp EMI reminders with Pay Now buttons linked directly to payment gateways. A 5-message sequence starting 7 days before due date catches at-risk customers before they become delinquent- reducing collections escalations by 45%.
Get Click Media integrates with leading core banking systems- Finacle, Temenos, and Oracle FLEXCUBE- enabling real-time WhatsApp communication triggered by customer events like EMI due dates, loan disbursements, and KYC expiry. RBI-compliant with full audit trails and 2-year message retention.
Trigger: EMI due date- automated at Day -7, -3, 0, +1, +3. EMI amount, due date, account number (masked), and [Pay Now] button. Escalating urgency at each stage. Final notice before collections flag. Result: On-time payment +28%. Collections escalation -45%. Customer dispute calls -22%.
Trigger: Loan disbursed in CBS- amount credited to account. Loan disbursement confirmation with amount, loan account number, first EMI date, and repayment schedule PDF Result: Customer confusion calls -80%. Loan account activation rate +15%.
Trigger: Customer initiates net banking login, NEFT, UPI, or card transaction requiring 2FA. Transaction OTP with amount, beneficiary (masked), and 5-minute expiry notice. Clear fraud warning. Result: OTP delivery rate 99.1% vs 97.2% SMS. Phishing susceptibility lower with verified WA sender.
Trigger: Customer messages STATEMENT or taps quick-reply button. Mini statement (last 5 transactions) inline + [Download Full Statement] PDF button + [Email Statement] option Result: Branch visit for statement -55%. Call centre statement queries -40%.
Trigger: KYC expiry date approaching- 60 days, 30 days, 7 days. KYC renewal required notice with [Upload Documents] WhatsApp Flow button- captures Aadhaar, PAN, selfie in-chat Result: KYC renewal completion rate +3.2x. Branch visit for KYC -65%.
Trigger: Unusual transaction detected by fraud management system. Immediate alert: transaction attempt details. [This Was Me] / [Block Immediately] interactive buttons. 24/7 response. Result: Fraud transaction reversal speed 4x faster. Customer trust score +15 points.
| Metric | Before WhatsApp API | After WhatsApp API | Source |
|---|---|---|---|
| EMI on-time payment rate | 67% (SMS reminder baseline) | 86% (WhatsApp 5-message sequence) | GCM NBFC client data |
| Collections team call volume | 100% manual outreach | 45% reduction- WhatsApp handles pre-delinquency | GCM collections automation |
| KYC completion rate | 38% (email and SMS) | 72% (WhatsApp Flow document upload) | GCM bank client deployment |
| OTP delivery rate | 97.2% (SMS) | 99.1% (WhatsApp API) | GCM authentication platform data |
| Customer service call volume | Baseline | 28% reduction with WhatsApp self-service | GCM bank contact centre data |
EMI on-time payment rate
Collections team call volume
KYC completion rate
OTP delivery rate
Customer service call volume
Finacle, Temenos, Oracle FLEXCUBE, and custom CBS via API webhook or file-based trigger
Audit trail for all customer communications. Opt-in consent management. 2-year message retention for regulatory review.
All customer financial data processed and stored on India-hosted infrastructure (AWS Mumbai)
Fraud management system webhook- real-time WhatsApp alert within 10 seconds of flag
Pre-delinquency WhatsApp sequence before traditional collections escalation
GCM manages Green Tick application- critical for banking trust in India
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WhatsApp Business API is not explicitly regulated by RBI for banking communication- it falls under general digital communication guidelines. Banks and NBFCs use WhatsApp API for customer communication with appropriate safeguards: verified sender identity (Green Tick), explicit customer consent, India-hosted data, and complete audit trails. RBI's digital communication guidelines require authenticated sender identity and opt-out mechanisms- both of which WhatsApp API provides.
Get Click Media provides WhatsApp API for banking and NBFCs with CBS integration, RBI compliance, and India-hosted data infrastructure.
