Umba
Digital banking · Nigeria · Revenue doubling every quarter
- Outcome
- Reliable multi-channel OTP
- Channels active
- SMS · Voice · WhatsApp
Umba is a digital bank offering free instant P2P transfers, lending, deposits, BillPay, and cashback — all in one mobile app. Since launching in Nigeria in 2021, the company has doubled revenue every three months, using machine learning to automate loan decisions and fraud detection.
At that growth pace, every verification failure is a customer lost. Umba needed a signal partner that could handle SMS, Voice, and WhatsApp OTP delivery reliably — and respond fast whenever a carrier had downtime, rather than leaving Umba's team to discover failures through customer complaints.
“Termii has proven to be a very effective messaging platform to verify and authenticate Umba customers. Whenever there is downtime from any telco, they are swift in following up and keeping us updated. We have been pleased with their reliability and service.”
Beyond OTP delivery, Termii provides Umba with real-time delivery reports and contact status insights — giving the team visibility into signal health and allowing them to maintain a cost-effective, high-performing verification layer as they scale.
What Termii delivers for Umba
- OTP delivery across SMS, Voice, and WhatsApp — with automatic failover
- Proactive telco downtime notifications — no silent failures
- Real-time delivery reports and contact status via Termii Insights
- Enhanced onboarding journey for every Umba user
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