Reliable Cross-Border Risk Notifications for an International Payment Institution
Background
The institution processes cross-border payments across multiple countries, including high-value transfers and identity verification. Financial regulations demand timely, reliable delivery, and any verification delay can cause failed transactions or user churn.
Challenges
Strict security requirements
Transaction OTPs and risk alerts are sensitive financial messages with strict requirements for delivery, latency, and information security.
Unstable SMS in some regions
In parts of Africa and South Asia, SMS route quality was inconsistent, putting critical OTP delivery at risk.
No voice fallback
When SMS messages were blocked by device security software, there was no reliable fallback channel.
Solution
Yuexin International deployed a dual-channel SMS + Voice verification flow. SMS remains the primary channel, while voice OTP calls trigger automatically after a timeout. Dedicated financial-grade SMS routes provide encrypted transmission and priority delivery.
Results
SMS and Voice complemented each other for critical reach
Dedicated routes and smart routing reduced queueing time
Encrypted transmission and audit logs met financial regulatory requirements
"Financial services have almost no tolerance for missed messages. Yuexin International gives us dependable reach in every country."
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