App-like banking journeys, not chatbot menus

Most WhatsApp banking solutions use menu-driven chatbots where customers navigate static options to complete tasks. Fyno delivers guided, app-like experiences inside WhatsApp using forms, buttons, carousels, and multi-step flows. Customers can complete full banking journeys: apply for a loan, upload KYC documents, book an FD, block a card, or check a statement, all without leaving WhatsApp. The difference is architectural. Chatbot vendors require custom API development for each use case. Fyno connects to your existing mobile and net banking APIs through a transformation layer, so that new WhatsApp journeys can go live without building new backend systems. For banks already running mobile banking, Fyno reuses the same endpoints to power WhatsApp, reducing development time from months to weeks.

No. Fyno connects to the APIs and endpoints that already power your mobile and net banking applications. The platform includes a data transformation layer that maps your existing API responses into WhatsApp-compatible formats: forms, list messages, buttons, and carousels. When a customer checks their balance via WhatsApp, Fyno calls the same API your mobile app uses, transforms the response, and presents it inside WhatsApp. This means banks do not need to build, test, or maintain a separate backend for WhatsApp banking. New use cases can be added through Fyno’s no-code flow editor by connecting to existing API endpoints, without raising engineering tickets or writing new code.

WhatsApp’s pricing structure classifies conversations into four categories: utility, authentication, marketing, and service. Utility conversations, which cover transactional banking messages like payment confirmations, balance alerts, and delivery updates, are now free. For banks sending millions of transactional messages monthly, this translates to savings of ₹50 lakhs or more annually compared to SMS-based delivery of the same messages. Fyno helps banks structure their WhatsApp communication so that transactional messages are correctly categorised as utility conversations, ensuring they qualify for free delivery. Marketing and promotional messages continue to carry standard WhatsApp charges. The net effect is that the most common banking messages: OTP confirmations, transaction alerts, and account updates, move from a per-message SMS cost to zero cost on WhatsApp.

Yes. Fyno enforces compliance at multiple levels. For TRAI DLT, every SMS template is validated against DLT registration before send. For DPDP, Fyno integrates with your consent management platform and validates consent before every promotional message. If a customer has consented to SMS but not WhatsApp, Fyno routes via SMS and blocks WhatsApp automatically. All WhatsApp templates go through Meta’s approval process, and Fyno handles template categorisation (utility vs marketing) correctly to avoid recategorisation penalties. The platform is ISO 27001 and SOC 2 certified, supports data localisation, and processes all customer data within required national boundaries. Audit logs link every message to its consent status, template approval, and delivery result.

Fyno manages the full WABA lifecycle: account configuration, number registration, template submission, and approval tracking. For banks migrating from another provider, Fyno handles the transition process including number porting, template re-registration, and message history mapping, so that banking operations continue without disruption. Banks with multiple business units can maintain separate WABA numbers per department, with isolated cost tracking and distributed team access. Fyno is Meta’s number one technology partner in India, which means faster WABA approvals, priority support for template issues, and direct access to Meta’s enterprise team when escalation is needed. Template approval status is tracked in real time within Fyno’s dashboard.

Yes. Fyno handles both patterns from a single platform. One-way alerts cover transactional notifications: OTP delivery, payment confirmations, balance alerts, and policy reminders. Two-way conversations enable interactive banking: customers respond to prompts, fill forms, select options, and receive dynamic responses based on their inputs. The same routing engine manages both. If a customer’s WhatsApp is unreachable, Fyno automatically falls back to SMS, email, or push based on the routing configuration. This means banks do not need separate platforms for transactional messaging and conversational banking. Both run through the same API, the same routing logic, and the same compliance enforcement, with delivery tracked in a single consolidated log.