This is an illustrative example of how a business in this sector typically uses OTP SMS. It does not describe a specific client. Ask us for references from businesses like yours.
The challenge
A payments app sees users drop off at login and sign-up when OTPs arrive late, and needs protection against SMS-pumping fraud.
The solution
Deliver OTPs within seconds on a priority route with automatic failover and voice OTP backup. The setup uses these OTP SMS capabilities:
- Priority Route: Dedicated transactional route, 24×7 including DND numbers.
- Smart Failover: Automatic retry over alternate routes or voice OTP.
- Generate & Verify API: Ready endpoints so you never store OTPs yourself.
- Expiry & Attempts: Configurable OTP length, validity and retry limits.
How it is implemented
- Discovery call: map the current process, channels and goals.
- Setup & approvals: configure OTP SMS, complete required registrations and connect existing tools.
- Pilot: start with one team, branch or campaign and refine messages and workflows.
- Roll-out & training: extend to all users and train the team.
- Review: track the KPIs below weekly and optimise.
Expected outcomes
Businesses in BFSI & Fintech typically adopt this approach to save time, respond faster and make results measurable. Actual outcomes depend on volume, audience and execution — that is why we agree the KPIs up front and review them together.
KPIs to track
- Median OTP delivery time
- OTP verification success rate
- Sign-up completion rate
- Blocked fraudulent OTP requests