WhatsApp Business API for
Banking & Insurance
Malaysian banks, insurers, and financial institutions use WhatsApp to deliver OTP/TAC codes, account alerts, policy reminders, and fraud notifications — securely, instantly, and with 98%+ open rates.
How Financial Institutions Use WhatsApp API
OTP & TAC Delivery
Replace SMS TAC with WhatsApp — end-to-end encrypted, higher open rate, auto-fill on Android. RM 0.10/msg.
Fraud Alerts
Instantly notify customers of suspicious transactions or account activity requiring immediate action.
Transaction Notifications
Confirm fund transfers, card payments, and account debit/credit in real time.
Loan Application Updates
Keep applicants informed at every stage — submission received, under review, approved, disbursed.
Policy Renewal Reminders
Remind policyholders of upcoming renewal dates with a direct call-to-action to renew online.
Document Submission Requests
Request KYC documents, claim forms, or supplementary information via interactive WhatsApp messages.
Premium Due Reminders
Send timely premium payment reminders with payment link buttons to reduce lapsed policies.
AI-Powered Customer Service
Deploy a 24/7 chatbot to handle product enquiries, balance checks, and claim status updates.
Account Statement Delivery
Share monthly statements, portfolio summaries, or EPF contribution records securely via WhatsApp.
Built for Regulated Malaysian Financial Institutions
WhatsApp Business API messages are end-to-end encrypted by Meta's infrastructure — the same security standard used for personal WhatsApp messages. Combined with proper opt-in consent management, it supports 2010 awareness for Malaysian financial institutions.
- End-to-end encryption on all messages
- Verified business sender identity (green checkmark eligible)
- 2010 aware — proper consent management is your responsibility
- Auto-expiry on OTP/TAC messages
- Full message delivery audit trail
- No message content visible to iwsapp.my — encrypted in transit