Amid the rapid development wave of global digital finance, SMS and voice are not just marketing tools for enterprises; they are the underlying communication infrastructure supporting the entire process from registration, risk control, transactions, to repayments.
 
Especially in cross-border and emerging markets, the delivery rate, immediacy, and compliance traceability of SMS and voice directly determine business security, conversion efficiency, and user experience. ITNIO TECH will comprehensively analyze the value of SMS and voice in the financial sector from industry necessity, full-process empowerment, to practical cases.
 

Why Are SMS and Voice Irreplaceable in Financial Scenarios?
 
In an era of highly developed internet, social media, emails, and other communication methods offer great convenience for people's communication. However, fintech is different from other industries; SMS and voice are not "supplementary channels" but foundational infrastructure supporting business security, market expansion, and scale growth.
 
The necessity of "strong reach" in overseas markets: In emerging markets with underdeveloped infrastructure (such as Mexico and Nigeria), where smartphone and internet coverage is uneven, SMS and voice are the most stable means of reach.
 
Financial security and risk control rely on "direct channels": Critical scenarios like financial account identity verification, transaction confirmation, and risk alerts have high requirements for timeliness and reliability. SMS voice verification, as a direct channel of operators, offers higher stability and anti-tampering capabilities, making it an important part of the financial business security system.
 
Interaction and immediate feedback directly impact security and conversion: In scenarios requiring timely communication and feedback, such as payment confirmation, abnormal transaction verification, and post-loan repayment, SMS and voice enable quick user response and immediate confirmation, offering more stability and higher confirmation efficiency compared to social media and app notifications.
 
Compliance and audit traceability capabilities: The financial market must meet strict data protection and user authorization requirements. The logging and compliance traceability capabilities of SMS and voice services provide legal and audit support for financial enterprises.
 
How Do SMS and Voice Complete the Full Process of Financial Services from Acquisition to Repayment?
 
In financial operations, from acquiring new users and registration/login to customer service and after-sales management, SMS and voice can help enterprises reduce costs and increase efficiency in various ways. Using internet financial loans as an example, ITNIO TECH will break down how SMS and voice services empower them, promoting a virtuous cycle in financial business.
 
1. Marketing Promotion and User Acquisition

When a company launches a new loan product and needs to acquire new users, SMS is a more efficient way to capture customer attention. Voice can achieve one-on-one breakthroughs with key and high-intent customers. Whether it's cloud call center human communication or AI voice communication represented by ITNIO TECH's AI Agent, it can overcome customer concerns, directly improving marketing conversion and acquisition efficiency.
 
ITNIO TECH Product Combination:
· Marketing SMS + Voice Group Call: Large-scale transmission and reach of marketing information
· Cloud Call Center + Post-call SMS: Focused breakthroughs on high-intent and key customers
· AI Agent Call: AI one-on-one communication with customers for exclusive marketing
 
Empowerment Effects:
· Increase in marketing message open rates by 20%-30%
· Increase in conversion rates of high-intent customers by 15%-25%
· Reduction in communication costs by 40%-50% per interaction through AI replacing human calls
 
2. User Registration and Account Opening

After marketing acquisition, during the process of account registration, account opening, and information confirmation, customers only need to provide a phone number to receive SMS verification codes instantly, improving registration success rates. Voice verification can be used as a fallback method to increase verification success rates.
 
ITNIO TECH Product Combination:
SMS Verification Code + Voice Verification Code: Dual channels to increase verification fill-in rates
 
Empowerment Effects:
· Verification code delivery rates stabilize at 95%+
· Increase in verification fill-in and registration success rates by 10%-18%
· Reduction in the probability of bots and malicious registrations by 30%
 
3. Credit Review and Risk Control

After users complete registration and initiate loan requests, enterprises need to conduct credit reviews and risk assessments on users. SMS can be used to send credit review notifications (success, failure, and reasons for failure), credit limit changes, and risk alerts to users. Voice calls are used for manual verification of high-risk customers, confirmation of abnormal behavior, and explanation of credit rules, enhancing business security and customer satisfaction. AI voice is used for credit review information confirmation, improving service efficiency.
 
ITNIO TECH Product Combination:
· Notification SMS + Voice Group Call: Large-scale reach of credit review notifications and progress updates
· AI Agent Call: AI-specialized communication and review information confirmation
· DID Numbers + Cloud Call Center + Two-Way SMS: One-on-one service for risk confirmation
 
Empowerment Effects:
· AI replacing human communication in credit reviews, improving review efficiency by 30%-50%
· Strengthening the risk control loop, reducing the proportion of risk customers and fraud users by 15%-25%
· Significant improvement in user understanding and satisfaction with the credit review process
 
4. Loan Issuance and Transaction Notifications

After completing customer reviews, enterprises need to issue loan notifications, account change alerts, and account transaction verification codes to customers via SMS or voice. When there are large transaction changes or abnormal transactions in customer accounts, enterprises can also use AI voice or manual calls to alert customers, reducing customer risk and financial loss.
 
ITNIO TECH Product Combination:
· Notification SMS + Voice Group Call: Large-scale reach of loan issuance, account changes, etc.
· AI Agent Call: AI alerts for abnormal account changes and large transaction confirmations
· Cloud Call Center: Manual customer service hotline to resolve account issues
 
Empowerment Effects:
· Real-time account change alerts, increasing customer trust and satisfaction by 25%-40%
· Shortening response time to abnormal transactions and status alerts by 40%+
· Reduction in fraud and financial risks, decreasing transaction dispute numbers by 20%-30%
 
5. Post-Loan Repayment and Customer Management

After loan completion, whether customers can repay on time and how efficiently overdue loans can be recovered are the most concerning issues for enterprises. At this time, SMS and voice services become essential tools for customer repayment.
 
On one hand, compared to social media, email, and app push channels, SMS and voice have stronger awakening capabilities, quickly making customers aware of impending loan due dates or overdue repayments. On the other hand, manual voice calls or AI voice calls can immediately capture user attention, communicate repayment/installment intentions, and improve repayment efficiency.
 
ITNIO TECH Product Combination:
· Notification SMS + Voice Group Call: Large-scale reach of repayment and overdue reminders
· AI Agent Call: AI communication of user repayment/installment intentions, collecting customer information
· DID Numbers + Cloud Call Center + Two-Way SMS: One-on-one communication with high-risk customers
 
Empowerment Effects:
· Strong repayment reminders, reducing bad debt rates by 10%-20%
· AI replacing human calls, improving communication efficiency by 30% and reducing communication costs by 40%-50%
 
Success Case: African Financial Expansion Making SMS and Voice a Growth Driver

A leading financial enterprise expanding into African countries like Nigeria and Tanzania experienced rapid user growth but faced challenges such as uneven internet development and difficulty reaching users in remote areas. They urgently needed effective local communication channels to address these issues.
 
Solution:
· ITNIO TECH SMS Verification Code + Voice Verification Code: Ensuring account security in registration, login, and payment verification scenarios
· Marketing SMS + Voice Group Call: Sending financial product marketing information to target customers in bulk, awakening customer demand
· Notification SMS + Voice Group Call: Sending account dynamics, payment notifications, etc., to customers, tracking account status in real-time
· Cloud Call Center: Post-loan collection, account issue communication, and other after-sales service scenarios, promoting a virtuous business cycle
 
Application Effects:
Leveraging ITNIO TECH's extensive communication resources in African countries like Nigeria and Tanzania, the enterprise achieved broader customer reach and more stable customer communication in these countries:
 
· Verification code delivery rates significantly improved to 95%+
· Increase in marketing message open rates by 25%
· Increase in product activity participation conversion rates by 18%
· Significant improvement in customer satisfaction, reducing complaint rates by 10%-20%
 
As the globalization of financial services steadily progresses, SMS and voice services will no longer be "optional" but the underlying capabilities for enterprises to achieve safe, efficient, compliant, and stable user reach. ITNIO TECH continues to serve global financial institutions, helping clients upgrade SMS and voice from "functional use" to scalable, operational, and sustainable communication capabilities.