100% Notification
Deliverability for Banks

OTP delivery failures in banking happen for five reasons. First, the SMS vendor has a transient outage or rate-limits the bank's traffic during peak hours. Second, TRAI DLT validation rejects the message because the template or its variables don't match registration. Third, the customer's carrier blocks the message due to DND status or network congestion. Fourth, the bank relies on a single vendor with no failover path. Fifth, duplicate OTP triggers from retries at the source system send multiple messages to the same number. Fyno addresses each of these. The route builder configures automatic vendor failover: if the primary vendor fails, Fyno routes to the backup within milliseconds. DLT template validation and variable trimming happen before the message leaves Fyno. Cross-channel failover escalates from SMS to WhatsApp or push if SMS does not deliver within the configured SLA window. Deduplication catches duplicate triggers. The result is that the customer receives the OTP, not a failure screen.

Fyno's route builder is a no-code interface where you configure delivery logic per notification type. For each message, you define the primary vendor, the retry strategy (count, delay, backoff type), and the failover cascade: which vendor or channel comes next if the primary fails. You can also set conditions based on cost, vendor performance data, or customer channel preference. For example, an OTP route might start with Vendor A for SMS, retry twice with exponential backoff, then fail over to Vendor B for SMS, then escalate to WhatsApp if SMS does not deliver within 5 seconds. A promotional route might start with the lowest-cost vendor and fail over based on delivery rate. All routing logic runs at the platform level. Your source systems trigger one API call. Fyno handles vendor selection, retry, failover, and channel escalation without any routing code on your side.

TRAI DLT scrubbing is one of the most common causes of SMS delivery failure in India. Messages get silently rejected when template IDs do not match, when variable content exceeds the 30-character placeholder limit, or when consecutive variables violate DLT rules. Fyno addresses this at the template level. Templates are submitted to TRAI DLT directly from Fyno. Variable fields use handlebar functions like trim to ensure values stay within the 30-character limit and are truncated at the nearest delimiter, so that customer names are not cut mid-word. Template IDs are validated against DLT registration before every send. When a template fails DLT scrubbing, the failure is caught at Fyno's layer with the specific reason logged, not silently dropped by the carrier. This gives engineering and compliance teams a clear trail of what failed and why, rather than discovering delivery gaps in end-of-day reports.

An SMS gateway connects your application to one carrier or aggregator for one channel. It handles delivery at the network layer. A notification infrastructure platform like Fyno sits above gateways and CPaaS providers. It orchestrates which vendor delivers the message, retries on failure, fails over to a backup vendor or a different channel, enforces rate limits, validates DLT compliance, checks suppression lists, deduplicates triggers, and tracks delivery against SLAs. The gateway handles one hop. Fyno handles the entire delivery chain from trigger to confirmed receipt. For BFSI operations sending millions of messages daily across SMS, WhatsApp, email, push, and voice, the gateway-level approach creates a maintenance burden: separate retry logic, separate failover code, separate DLT handling, and separate delivery reporting per vendor. Fyno consolidates all of it into one routing engine.

Most banks start with a single SMS vendor or gateway. As volumes grow and channels expand, delivery becomes fragile. One vendor outage means OTPs stop reaching customers. One DLT mismatch means SMS gets silently rejected. One channel failure with no fallback means the customer sees a blank screen. A communication orchestration platform like Fyno sits as middleware above individual vendors and channels. It handles routing, failover, retries, DLT validation, deduplication, and suppression as platform-level infrastructure. Engineering teams stop writing and maintaining delivery logic per vendor. Operations teams get one view of every message across every channel. The result is that delivery becomes a platform guarantee, not a vendor dependency.

Yes. For email, Fyno provides vendor failover (if your primary email provider is down, Fyno routes through the backup), delivery tracking with open and click metrics, and template management with preview across clients. Fyno does not replace your email infrastructure's SPF, DKIM, and DMARC configuration, as those are domain-level settings maintained by your IT team. What Fyno adds is the orchestration layer: if an email bounces or times out, the retry and failover logic applies the same way it does for SMS and WhatsApp. For BFSI, where password reset emails, account statements, and regulatory notices must reach the customer, Fyno's multi-vendor failover ensures that a single email provider outage does not block delivery. Consolidated logs show email delivery status alongside SMS and WhatsApp in one view.