Your communication, visible end-to-end

Your CPaaS vendor's dashboard shows only their traffic. Fyno consolidates delivery data from every vendor you use, across every channel, into one place. When an OTP delivery rate drops on one vendor while two others are healthy, your vendor's dashboard shows nothing wrong. Fyno flags the specific vendor, the time window, and the failure root cause. Vendor dashboards also have no incentive to surface overbilling. Two banks we deployed saw a consistent 3–5% gap between Fyno's consumption count and their vendor invoices. Both raised disputes and settled at Fyno's figures.

Delivery rate drops have three common causes: operator-level congestion on specific circles, DLT template rejections that silently fail after submission, and vendor infrastructure issues that surface as increased callback latency before they show up as hard failures. Generic monitoring tools catch infrastructure events but cannot tell you that a specific vendor's delivery rate for OTP traffic to Jio numbers dropped 8% in the last 20 minutes while other vendors are normal. Communication-specific anomaly detection monitors delivery rates, callback latency, and vendor response times separately, so the incident is scoped to the right vendor and message type from the first alert, not after manual comparison.

Yes. The standard approach is to measure message delivery from the trigger to the operator delivery callback, per vendor, per message type, and per time window. For OTPs, the standard track is the 5-second threshold. For transactional alerts, 15 seconds. Every breach should be timestamped and attributable to the specific vendor. This data exports directly. Banks using Fyno have presented this report at contract renewal to negotiate delivered-only billing. IDBI Bank's RFP in early 2025 required exactly this measurement. Fyno built the capability for that evaluation.

You configure workspaces or analytics labels by team: Credit Card, UPI Alerts, Collections, Retail Banking. Every message's cost is attributed to the configured workspace or label in real time. End-of-month summaries export per workspace. For banks that charge customers per message, Fyno generates per-destination delivery counts that feed directly into your core banking or EPM system via webhook or SFTP. Karnataka Gramin Bank uses this to generate per-account message delivery reports for customer billing each cycle.

Yes, and multipart SMS is one of the most common reconciliation gaps in BFSI messaging. A 163-character message submitted as one becomes two billable credits at the operator. The correct approach is to track credits consumed at dispatch, not at the point of submission. Every multipart split should be logged separately. The reconciliation engine compares it line by line against your vendor's invoice and flags every discrepancy. The audit trail should be exportable and meet the evidentiary standard vendor finance teams require for dispute resolution.

No. Fyno's logging layer is asynchronous. It does not sit in the critical path between your system's trigger and the dispatch to your vendor. The log write happens after the delivery instruction is already sent. Fyno's P95 processing time for OTP traffic is under 50ms. Karnataka Gramin Bank and Kerala Gramin Bank process approximately 150 million messages per month through this layer. Neither has observed measurable OTP delivery degradation after deploying Fyno on top of their existing vendor stack.

Communication observability is the ability to see the communication journey in real time — what is happening across every message channel, every vendor, and every customer interaction, from the trigger to the delivery confirmation. For BFSI teams, this matters for three reasons. First, OTP and transaction alert delivery directly affects customer experience and fraud prevention. A delivery failure that goes undetected for 20 minutes affects thousands of transactions. Second, regulators increasingly expect banks to demonstrate traceability of customer communications — which requires a log that no single vendor can provide. Third, with 4–6 CPaaS vendors active in most large banks, no single vendor has visibility into the full picture. Observability fills that gap without replacing any vendor.

The standard approach is to run traffic across multiple vendors simultaneously and measure delivery rate, callback latency, and cost per message per vendor, per circle, and per message type, in real time. This gives your procurement and IT teams a live performance record rather than relying on vendor-provided SLA claims. Banks use this data in three ways: to route traffic dynamically to the best-performing vendor at any moment, to present vendor-specific breach data at contract renewal, and to make the case for renegotiated rates based on actual delivered volume rather than submitted volume. The key is that the measurement must come from your systems, not the vendor's — otherwise the data is not independent enough for a procurement conversation.