The problem for banks on WhatsApp
Financial institutions need to reach customers instantly and securely, but most messaging tools either force everything through a shared number, require handing over a customer database, or have no way to trigger a message from an internal system in the first place.
OTPs need to arrive in seconds
A delayed or lost one-time code means a failed login or a failed transaction — and a support call.
Missed payment reminders cost money
Manually calling every customer who's behind on a payment doesn't scale past a few hundred accounts.
Data sharing is a compliance risk
Most WhatsApp marketing tools want your entire customer list uploaded to their platform first.
Basic questions still need a human
"What's my balance requirement" and "how do I reset my PIN" shouldn't need a call centre queue.
How CallThem fits a bank's workflow
Everything below is built and live — not a roadmap item.
Self-serve Platform API keys
Any Company Admin generates a scoped API key from the Developer screen — no approval process, no sales call. Keys are scoped to specific actions (OTP delivery, reminders, notifications, status checks) and are HMAC-hashed, never stored or transmitted in plain text.
OTP delivery over WhatsApp
Trigger a WhatsApp send of your own OTP code from your backend via a single API call. CallThem delivers the message only — code generation, verification, and storage stay entirely inside your own systems, and delivery is rate-limited per phone number to prevent abuse.
Payment confirmations & reminders
Send a payment-received confirmation or a due-date reminder the moment your core system fires the event, using WhatsApp templates approved for reliable delivery — including to customers who haven't messaged you first.
AI assistant for routine questions
The same connected number runs an AI assistant trained on your own product terms, fees, and FAQs, so customers get instant, accurate answers to common questions — and staff can jump into any conversation directly when it needs a human.
Broadcasts for product updates
Announce new rates, products, or branch changes to segmented contact groups, with per-recipient delivery tracking so your compliance team can confirm exactly who was reached.
Frequently asked questions
Does CallThem store our customers' financial data?
No. The Platform API is built so your own backend triggers a WhatsApp send — CallThem never generates, verifies, or stores OTP codes, and doesn't keep a copy of your customer database.
Do messages send from our own WhatsApp number?
Yes. Every institution connects its own WhatsApp Business number. Nothing sends from a shared or generic CallThem number.
How do we integrate this into our existing systems?
Generate an API key from the Developer section (self-serve, no approval needed) and call CallThem's reminder, OTP-delivery, or notification endpoints from your backend using that key.
Can customers still reach a human or the AI on the same number?
Yes — the same connected number runs the AI assistant and a shared team inbox, so programmatic sends and everyday conversations live side by side.
Ready to connect your bank's WhatsApp number?
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