Banks and FinTech Companies
Banks and fintech companies are organizations that need to make communications with their customers and users as easy as possible using SMS and/or other omnichannel communications services.
Main uses of SMS and other messaging services:
- Identity check: for example, to send one time passwords (OTP)
- Transfer confirmations
- Special offers
- Notices: account status, credit/debit card purchases, etc.
- Payment and due date reminders
- Notices and alerts: payments received, account balance of less than $XX
- Satisfaction surveys
- Card activation
- Insurance and other service proposals
- Links to download smartphone apps
- Stolen or lost card reports
- Customer care
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SMS to send One Time Passwords (OTP) in detail
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- One of the apps most widely used by our customers:
- Transactional SMS for 2-step transaction validations.
- A PIN is sent to the mobile phone previously registered by the user via SMS.
- 1 - Higher security level.
- 2 - Enhanced user experience, quick and easy with no token device.
Advantages:
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E-commerce and Retail
Messaging services improve user experience, enhance transaction security, reduce fraud risks,and provide smooth logistics for e-commerce companies.
Main uses:
- Identity check messages
- Product catalogs
- Confirmation of payments, purchases, and other transactions
- Promotion communications
- Purchase notices
- Order and product/package follow-up
- Satisfaction surveys
- Promotional codes
- Product recommendations
- Loyalty programs
- Purchase invoices
- Change and return management
- Product point of sale and/or pick-up point location
- Customer care
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Money Transfer Companies
Messaging services help keep customers and money transfer beneficiarys informed about account and transfer status.
- Identity check messages
- Transfer confirmation
- Promotion communications
- Notifications
- Service payment and due date reminders
- Notices and alerts: payments received, balances
- Satisfaction surveys
- Links to download smartphone apps
- Price and transfer time inquiries
- Promotional rebate codes
- Loyalty programs
- Invoices
- Collection point location
- Customer care
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Example — SMS to send money / remittances
- Notices to customers who send money or to their beneficiarys
- User account balance inquiries.
"Your money transfer No. 123456 has been received by the beneficiary at office XXX" "José González has sent you transfer No. 123456 for $580. Your money is available at our office located on 344 Lincoln St., Miami as from October 1 — Remember to bring a personal ID.
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OTTs, Apps
Companies that provide Web-based services use two-way messaging services:
- Identity validation
- New user registration
- Premium service rate inquiries
- Premium service account status inquiries
- Promotion information
- Payments
- Invoices
- Due date and pending payment reminders
- Help and/or support requests
- Account information access
- Change of plans
- Account data access
- Customer care
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Social Media
Social media generally use SMS for:
- Confirmation of new user registrations.
- Identity validations.
- Password retrieval
- Customer care.
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Health Care Companies
Messaging solutions expedite dealings between health care companies and their users, as well as health care requests, and improve user experience, at lower costs with enhanced transactions.
- Identity validation
- Service engagement
- Account status inquiries
- Inquiries about clinical tests, vaccination centers and hospital admissions
- Inquiries about medical emergency care centers
- Campaigns targeted to delinquent customers
- Videoconference appointment management
- Appointment request and management
- Inquiries about medical professionals and other directory-listed providers
- Payment management
- Pharmacy invoices and receipts
- Due date and pending payment reminders
- Help and/or support requests
- Account information access
- Branch location
- Change of plans
- Medical record consultations/cross consultations
- Authorization management
- Refund management
- Surveys
- Customer care
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Public Services/Utilities
Omnichannel messaging services, along with SMS, provide smooth communications and dealings between public utilities and their customers/users for an enhanced experience.
- Identity validation
- Service engagement
- Consumption inquiries
- Account status inquiries
- Campaigns targeted to delinquent debtors/reduced bad debts
- Rebate/allowance information
- Payment and credit top-up for prepaid services
- Technical support requests
- Invoices
- Due date and pending payment reminders
- Service discontinuance notices
- Help and/or support requests
- Account information access
- Branch location
- Change of plans
- Customer care
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Call centers
Used to facilitate communications between agents and customers, optimizing user experience. Customer care and outbound campaign results.
- Promotional campaigns
- Sales campaigns
- Surveys
- Campaigns to collect debts and/or against delinquent debtors
- General customer care
- Identity validation