Consumer finance

    Orchestrating consumer finance journeys.
    At scale, on WhatsApp.

    FCB enables credit and retail finance providers to execute, structure and manage their core processes — onboarding, payments, reminders, collections — directly on WhatsApp, with full integration to core systems.

    Where consumer finance operations break down

    Slow, fragmented credit onboarding

    Manual document collection, email exchanges, dispersed KYC validation. Every friction point extends approval timelines and degrades conversion.

    Ineffective support and reminders

    Teams handle repetitive requests: due dates, plan changes, missing documents. Costs escalate rapidly.

    Poorly anticipated defaults and arrears

    Lack of structured reminders, poor exchange traceability, difficulty tracking collections performance.

    Two high-impact operational perimeters

    Structured credit onboarding

    Account opening & credit activation
    • Application opening via WhatsApp
    • Automated supporting document collection
    • KYC verification and document validation
    • Triage based on business rules and thresholds
    • Real-time integration with core systems, CRM and scoring
    • Automatic routing to processing or credit analyst

    We transform credit onboarding into a structured, compliant and measurable digital process.

    Managed payments & collections

    Arrears & recovery
    • Automated due date reminders
    • Progressive reminders based on defined scenarios
    • Integrated payment collection
    • Escalation to human agent with full context
    • Complete audit trail and regulatory traceability
    • Performance KPI-driven management

    Collections becomes a controlled, traceable and results-driven process.

    Observed across live deployments

    Why WhatsApp as the engagement layer

    WhatsApp is not the solution. It is the channel. FCB orchestrates the processes behind it.

    Unmatched engagement
    90%+

    Average message open rate across live deployments

    Frictionless document capture
    2x

    Completion rate vs traditional web forms

    Customer-preferred messaging
    70%

    Of consumers prefer messaging over phone calls

    Mass consumer adoption
    2+ Billion

    Monthly active users worldwide

    Enterprise-grade security
    E2E Encrypted

    Secure, traceable, suited for asynchronous interactions

    WhatsApp is the channel.

    FCB is the operational engine behind it.

    Reference use case — Credit onboarding reimagined

    Application initiated via WhatsApp
    Structured document collection and verification
    Scoring rules applied
    Automated validation below defined threshold
    Escalation to analyst if needed
    Proactive notifications through to final decision

    This is not a marketing chatbot.

    It is operational infrastructure for consumer finance.

    Structured execution of credit and collections workflows
    Deep integration with core systems, CRM and KYC
    Compliant data capture and validation
    Audit trail and regulatory governance
    KPI-driven performance management

    We do not deploy a chat interface. We operate consumer finance processes at scale.

    Enterprise-grade security & compliance

    GDPR

    Compliant

    Security

    Recognised standards

    Traceability

    Full audit trail

    Measurable impact

    -50%

    Inbound calls related to due dates and simple requests

    -40%

    Average handling time for standard applications

    +35%

    Onboarding completion rate improvement

    +40%

    Collection rate improvement on automated scenarios

    How we take operational responsibility

    Choose your level of operational ownership.

    Level 1

    Platform Management

    FCB manages the AI platform and infrastructure while your teams retain operational control.

    Most adopted
    Level 2

    Process Ownership

    FCB manages defined end-to-end finance workflows with responsibility for continuity and performance.

    Level 3

    Outcome Ownership

    FCB assumes full operational accountability and drives measurable performance against agreed KPIs.

    Commercial structure aligns with the level of operational responsibility selected.