SMS, WhatsApp, IVR, RCS - we orchestrate multi-channel campaigns across your portfolio. Right message, right channel, right time.
We orchestrate across channels so you get unified results - without managing each one separately.
Rich conversations with payment buttons and quick replies.
Universal reach with DLT compliance and multi-provider failover.
Automated voice with self-service payment and language options.
Rich messaging with carousels and branded sender identity.
You send us accounts. We slice them by DPD, POS, geography, and behavior - then run the right campaign.
We draft the messages. You review the tone. Every template stays compliant with RBI communication guidelines.
Every template follows RBI's Fair Practices Code. No harassment, no threats, no misleading claims. We work with your compliance team to get every message approved before it goes live.
We iterate on templates based on response rates. You always have final say on messaging.
Different DPD buckets need different approaches. We configure the right sequence for each segment.
| Journey | Bucket | Steps | Segments | Period | Mode |
|---|---|---|---|---|---|
PreDue Reminder | PreDue | 12 STEPS → | PreDue_Feb, PreDue_PTP | Feb 01 - Feb 28 | Cron based |
B1_B2_Recovery | 1-60 DPD | 102 STEPS → | Feb B1, Feb B2 | Feb 01 - Feb 28 | Date and time |
B3_Intensive | 61-90 DPD | 153 STEPS → | Feb B3, B3_High_POS | Feb 04 - Feb 28 | Date and time |
NPA_Recovery | 90+ DPD | 107 STEPS → | NPA_91-180, NPA_181-365, NPA_365+ | Feb 02 - Feb 28 | Date and time |
PTP_Followup | PTP | 24 STEPS → | PTP_Feb, PTP_Overdue | Feb 01 - Feb 28 | Event triggered |
Based on 50M+ messages across our platform
We recommend channel mix based on your borrower demographics and DPD segments.
Multiple channels, multiple times per day. We optimize timing based on response patterns.
| # | When | Name | Channel | Template |
|---|---|---|---|---|
| 1 | 08:30 | IVR_NPA_Morning | IVR | npa_reminder_hindi |
| 2 | 10:00 | WA_PreDue_Link | predue_wa_payment | |
| 3 | 13:00 | SMS_B1_Followup | SMS | b1_payment_link |
| 4 | 15:30 | AI Voice_B3_Collection | Voice | b3_tara_collection |
| 5 | 17:00 | IVR_B2_Eve | IVR | b2_evening_ivr |
We configure the schedule. You review and approve.
How we orchestrate campaigns across your portfolio
Send us your portfolio. We'll design the journeys, configure the segments, and run the campaigns. You see the results.