A WhatsApp chatbot powered by AI for fintech and digital banks, designed for 2026, will provide 24/7 support, automate collections with pre-approved templates and sequences based on delinquency stage, manage new customer onboarding, evaluate credit applications on the first line, and maintain regulatory compliance (LFPDPPP, LGPD, GDPR, PCI-DSS where applicable). Aurora Inbox is not directly PCI-DSS Level 1 compliant but integrates with certified payment gateways.
Use cases
1. 24/7 support with extensive FAQ
Cards, transfers, fees, deadlines. RAG on your internal documentation.
2. Automated collection by stage
- Pre-expiration (3-7 days). Friendly reminder with paid league.
- Maturity. Daily notice with options.
- Mora 1-30 days. Formal notice with payment plan.
- Mora 30-90 days. Negotiation with discount or payment plan.
- Mora 90+ days. Pre-bureau notice with escalation to human manager.
3. Onboarding new customers
Data capture (KYC), identity verification, account setup. For sensitive processes, escalate to human intervention.
4. Transactional support
"Why did they charge $X?" "When will my transfer arrive?" — agent checks the system and answers.
5. Credit pre-assessment
Capture data (income, seniority, history), pre-evaluate with internal rules and pass only viable cases to the advisor.
Compliance
Sensitive data to be handled with care:
- LFPDPPP in Mexico. Sensitive personal data requires explicit consent.
- LGPD in Brazil. Same principle.
- GDPR in Spain. Consent + right to be forgotten.
- PCI-DSS. Aurora Inbox does not store card data. Payments are processed via certified payment gateways (Stripe, Conekta, Mercado Pago).
- CNBV in Mexico / BCB in Brazil / CNMV in Spain. Check the regulatory templates with your compliance officer.
Aurora Inbox settings
- Connect WhatsApp Business via Cloud API.
- Upload your documentation to RAG: Terms and Conditions, collection policy, FAQ.
- Configure agent with a regulated tone (formal, clear, without false urgency).
- Upload pre-approved templates by delinquency stage.
- Connect CRM (HubSpot, Salesforce) or your core banking system via REST API.
- Activate human-in-the-loop for sensitive cases, complaints, and reported fraud.
Table: Typical ROI
| Metrics | No chatbot | With Aurora Inbox |
|---|---|---|
| Collection response rate | 30% | 60-75% |
| Delinquency reduction 30-60 days | Baseline | -30 to -50% |
| Account management time | 6-15 min | 1-3 min |
| 24/7 Coverage | No | Yeah |
Common mistakes
- Without consent explicit to use WhatsApp.
- Messages with false urgency or aggressive content. They activate Meta filters and lower the quality.
- Without escalation to human manager. Complex cases get stuck.
- Without a full audit. In a regulated industry, every interaction must be recorded.
- Handling sensitive data (CVV, passwords) in the chat — never.
Why Aurora Inbox
Aurora Inbox combines a Meta-level BSP, a real LLM agent (GPT-5), RAG, CRM/core banking integration, and multichannel capabilities. For fintechs and banks, it offers a professional operational layer on a Cloud API with configured compliance.
Frequently Asked Questions
Is Aurora Inbox PCI-DSS compliant?
Aurora Inbox does not store card details. Payments are processed via a certified payment gateway (Stripe, Conekta, Mercado Pago).
Can you automate collections?
Yes, with sequences by arrears stage and templates pre-approved by Meta.
Does it work in traditional banks?
Yes, but check your institution's internal policies and regulatory approval.
Does it support 2FA authentication?
Yes, authentication templates comply with Meta's standard OTP.
How much does it cost for a mid-sized fintech company?
Aurora IA Plus $329 USD/month with 20,000 responses — suitable for fintech volume.
Does it support integrations with core banking systems?
Yes, via REST API and webhooks. Custom integration takes 1-3 weeks with your team.
