NBFC: Faster Loan Document Collection (Anonymized)
Bengaluru digital lending NBFC replaced SMS/email chasers with WhatsApp Utility nudges and secure upload links — brand anonymized.
Last updated: 2026-03-28
55%
Faster doc collection
4.2 days
Shorter disbursement TAT
78%
KYC completion (72h)
3.1×
Link CTR vs SMS
The Challenge
Applicants dropped off during document upload. SMS CTR was low; ops manually chased missing bank statements.
The Solution
Utility templates for document checklists after opt-in, secure upload links, LOS webhooks for stage nudges, and disbursement confirmation — no PAN/Aadhaar in message text.
"Borrowers respond on WhatsApp within minutes. Our ops team stopped being a call centre for missing PDFs."