Cost-optimised customer communication for BFSI

Fyno reduces WhatsApp Business API spend through three mechanisms. First, it routes messages within open free-conversation windows whenever possible, it utilises WhatsApp's session pricing model so that non-mandatory messages inside an active window cost zero. Second, it lets you negotiate WhatsApp pricing directly with Meta through your own BSP relationship, rather than paying a CPaaS markup layer between you and Meta. Third, it routes lower-priority messages to in-app or push channels first, falling back to WhatsApp only when the user is unreachable through free channels. Indian BFSI customers running Fyno report 10–15% reductions in WhatsApp spend through session pricing exploitation alone, with further savings when free-channel orchestration is layered in.
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CPaaS providers like Twilio, Sinch, Gupshup, and Karix earn revenue per message delivered. Volume drives their margin. When a CPaaS builds a hub on top, the routing logic protects that volume. Free-channel suggestions and vendor swaps reduce their own revenue. The hub has no incentive to surface them. Fyno earns zero delivery revenue. The platform makes the same money whether your message goes via SMS, WhatsApp, in-app, or push. That structural neutrality is what makes least-cost routing, free-channel orchestration, and direct-with-vendor negotiation possible. The business model determines what the platform recommends. CPaaS hubs recommend their delivery. Fyno recommends your cheapest viable path.

Yes. Fyno supports two free OTP delivery paths. TOTP generates a time-based one-time password locally on the user's device. No network send. No SMS. No carrier fee. No DLT charge. Works whether the user is online or offline. For customers who have your mobile app installed, Fyno In-App delivers OTPs directly inside the app, also at zero cost. For users without TOTP set up and not active in your app, Fyno falls back automatically to SMS via your existing DLT-registered template. The split is automatic. The OTP delivery SLA stays under five seconds across all three paths. For a bank or NBFC where 20% of customers are app users, switching those OTPs to TOTP or in-app delivery removes 20% of OTP SMS spend immediately.

 Fyno is designed for BFSI’s communication cost optimisation . First, by removing the CPaaS markup on every transaction. Twilio, Sinch, Gupshup, and Karix earn margin on each message they deliver. When Fyno sits as the orchestration layer above them, you can negotiate carrier rates directly with TRAI-registered RTMs and with Meta, bypassing that markup. This typically lowers per-message cost by up to 10%. Second, by making the cost levers in this page actually work. Least-cost routing, free-channel orchestration, vendor swaps, and overbilling detection all reduce CPaaS revenue. A CPaaS-built hub will not surface them. Fyno will. The combined effect across all levers is 15–25% spend reduction in production deployments. Switching providers from the Fyno UI can be real-time, not a multi-month migration or engineering sprint cycles.

Fyno captures the exact delivery state of every message: triggered, accepted by vendor, delivered, failed, or undelivered. It then matches these records against vendor invoices line by line. When the invoice claims charges for messages Fyno never triggered, or for messages that vendors accepted but did not deliver, or for events the vendor double-counted, Fyno surfaces the discrepancy with the dispute-ready data attached. Finance teams take the report directly to the vendor and recover the difference. Most enterprises recover 3 to 5% of their messaging spend in the first reconciliation cycle. Overbilling Detection runs continuously, not just at month-end. Disputes get raised inside the billing cycle, not weeks after.

Fyno tracks every bulk SMS send at the message level: source system, vendor, template, delivery status, retry count, and final disposition. Bulk campaigns surface in a single dashboard with delivered cost, failed-but-billed cost, duplicate-blocked savings, and vendor performance comparison. Department-wise breakdowns let finance teams attribute spend to the LOB or business unit that triggered the campaign. Per-message reconciliation means you can challenge any vendor invoice with line-item evidence. For bulk SMS providers in India, this typically uncovers 3 to 5% of the invoice as either overbilled or undelivered. The dashboard also surfaces message-length optimisation opportunities (single-credit vs multi-credit splits) and least-cost routing recommendations before the next campaign launches.

Fyno pricing scales with monthly message volume. There are no per-vendor integration fees: once you are on Fyno, adding a new SMS, WhatsApp, email, or push vendor takes a configuration change in the UI, not a separate contract or implementation project. Setup is included in onboarding. For BFSI enterprises with multi-million-message monthly volumes, total Fyno cost is typically a fraction of the savings unlocked through the cost levers above (overbilling recovery, message-length optimisation, least-cost routing, in-app OTP, WhatsApp session pricing exploitation). A specific pricing conversation requires an estimate of your monthly volume and channel mix. Talk to us to find out about your business.