Chat banking allows for financial services to be integrated into instant messaging apps like Facebook Messenger, WhatsApp, and Twitter.
It’s a lot more than just an automated system that enables customers to receive important messages from their bank.

Essentially, chat banking allows customers to complete immediate, simple banking transactions on their preferred
social channels – the same channels they’re already using to chat with friends and family.

How does chat banking work?

With financial services now integrated into the messaging experience, customers are now able to securely and reliably perform banking transactions within their messaging apps. Everything from pre-paid tops to balance checks and payments is possible via Facebook Messenger, Twitter and via WhatsApp using the WhatsApp Business API.

Chat banking was first made possible by the launch of the WhatsApp Business API which enables businesses to start two-way conversations with their customers on WhatsApp. In a world first, Clickatell – an authorized WhatsApp Business solutions provider – brought WhatsApp chat banking to life for four of the largest African banks, including Absa.

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What can you do with it?

By integrating the WhatsApp Business API into our suite of products, Clickatell enables banks and financial institutions to allow their customers to perform a whole range of WhatsApp chat banking transactions. These include:

  • Getting their available balance
  • Buying airtime, SMS bundles or mobile data
  • Purchasing pre-paid electricity
  • Transferring money from one account to another
  • Getting a mini statement
  • Making payments to existing beneficiaries
  • Viewing a free mini credit report

Why is chat banking the future of financial services?

This form of digital banking is certainly set to be the future of financial services – especially across emerging markets such as Africa.
Let’s look at some of the reasons why:

  • It’s fast, easy to use, and personalized
  • It’s secure – all WhatsApp messages are end-to-end encrypted
  • Personal details, account numbers, and other sensitive
    information will never be displayed in a chat
  • It enables a two-way communication channel between banks and
    their customers
  • A chat banking API enables people in remote, rural locations to
    easily access banking services rather than having to travel long distances to visit a branch
  • The chat banking API plugs into existing messaging channels which are already in use by the customer


How to get started

First, you’re going to need a Clickatell Platform account. Sign up for a free account today, or log in to your account to start the application process.

Once you’re logged in, select ‘Get started with WhatsApp’ from your Clickatell Platform dashboard and follow the easy wizard-driven prompts. Complete the required information – be sure to include specific information about how you’ll be using the channel.

All applications need to be approved by WhatsApp before your business will be verified, but we’ll take care of the entire process for you and keep you updated along the way.

Clickatell Platform

Clickatell Platform is a powerful bulk SMS system that enables you to send messages securely, reliably, and instantly via the Clickatell REST API.


Platform is cloud-hosted, user-friendly and the wizard-driven code generation makes integration into your existing systems super easy. Platform is scalable, capable of delivering thousands of SMS messages per second, and completely customizable to suit your specific text messaging needs.

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