Banking Solutions. Secure, compliant, and personalized banking communication at scale
Banking Communication Requirements
Banks operate under the strictest communication requirements of any industry. Every message must comply with financial regulations (Reg E, BSA/AML, GLBA, PSD2), data protection laws (GDPR, CCPA), and industry-specific standards (PCI DSS for payment data). Messages must be delivered reliably, archived immutably, and secured end-to-end.
At the same time, consumer expectations are set by fintech challengers who deliver instant notifications, personalized insights, and seamless omnichannel experiences. Traditional banks need to match this experience while maintaining the regulatory compliance that fintech startups can sometimes defer.
Bird's banking solution provides enterprise-grade security and compliance infrastructure with a modern messaging experience. Every feature is built with regulatory requirements as a design constraint, not an afterthought.
Fraud Alerts & Security
Fraud alerts must arrive within seconds of suspicious activity — every minute of delay is a minute the fraudster has to complete the transaction. Bird's fraud alert infrastructure delivers SMS and push notifications with a median latency of 4.5 seconds from API call to handset delivery.
Interactive fraud alerts via SMS and WhatsApp let customers confirm or dispute transactions in-channel: 'Was this you? Reply YES or NO.' Immediate responses trigger automated holds or approvals, reducing fraud losses by 30 to 40% compared to systems that require customers to call a hotline.
Multi-channel delivery ensures alerts reach customers even when one channel fails. If SMS delivery fails (carrier outage, number ported), the system automatically escalates to WhatsApp, push notification, and email in rapid succession.
Sub-5-Second Fraud Alerts. Real-time suspicious transaction notifications with interactive confirm/dispute functionality.
Automated Transaction Holds. Customer responses trigger immediate automated actions — hold, release, or escalate to fraud team.
Multi-Channel Failover. Automatic escalation across SMS, WhatsApp, push, and email to ensure every alert is delivered.
Digital Banking Engagement
Digital engagement drives profitability in modern banking. Customers who interact with their bank digitally 3+ times per week are 4x more likely to purchase additional products and 60% less likely to churn. Messaging is the primary driver of digital engagement for most banks.
Proactive account insights — spending summaries, savings goal progress, upcoming bill reminders, low-balance warnings — keep customers engaged with their financial lives and with your bank. These messages aren't marketing; they're valuable financial information that builds trust and habit.
Personalized product suggestions based on financial behavior (spending patterns suggest a travel rewards card, savings growth suggests an investment product) generate 5x higher conversion rates than mass product marketing. The key is timing and relevance — suggesting a mortgage pre-approval to a customer who just started browsing real estate, not broadcasting mortgage rates to everyone.
Proactive Financial Insights. Automated spending summaries, savings milestones, and bill reminders that drive daily engagement.
Behavioral Product Suggestions. AI-driven cross-sell recommendations based on individual financial behavior, not demographic segments.
Digital Onboarding. Multi-channel guided onboarding for new accounts, credit cards, and loans with automated document collection.
Compliance & Security Infrastructure
Bird's banking solution is built on infrastructure that meets the security and compliance requirements of regulated financial institutions.
SOC 2 Type II certification with annual audits. Data encryption at rest (AES-256) and in transit (TLS 1.3). PCI DSS compliance for handling payment card data. Data residency controls for EU, US, and other regional requirements. Role-based access controls with audit logging for every administrative action.
Message archiving with configurable retention periods supports regulatory retention requirements. Full audit trails capture message content, delivery status, engagement events, and consent records. Compliance teams can search and export communication records for regulatory inquiries within seconds.
SOC 2 Type II Certified. Annual third-party audits verify security controls meet enterprise banking standards.
Regulatory Message Archive. Immutable message storage with configurable retention, full-text search, and instant export for audits.
End-to-End Encryption. AES-256 at rest, TLS 1.3 in transit, with data residency controls for regional compliance.
Regional bank
“Interactive fraud alerts via WhatsApp reduced our fraud losses by 35% and cut fraud-related call center volume by half. Customers love resolving it in-channel instead of calling.”
Preguntas frecuentes
Bird supports Reg E, BSA/AML, GLBA, PSD2, GDPR, CCPA, and PCI DSS requirements. SOC 2 Type II certification is maintained through annual audits. Message archiving with immutable storage, configurable retention periods, and instant export capabilities meets the record-keeping requirements of major financial regulators.
Bird delivers fraud alerts with a median latency of 4.5 seconds from API call to handset delivery. Interactive fraud alerts via SMS and WhatsApp let customers confirm or dispute transactions in-channel, reducing fraud losses by 30 to 40% compared to systems that require customers to call a hotline.
Yes. Bird's API integrates with all major core banking platforms including Temenos, FIS, Fiserv, Jack Henry, and Mambu. Webhooks push delivery and engagement data back to your systems in real time. Most banking integrations go live within 3 to 4 weeks with dedicated integration engineering support.
Bird provides data residency controls that let you specify where customer data is stored and processed. Options include EU-only, US-only, and other regional configurations. Data encryption uses AES-256 at rest and TLS 1.3 in transit, with role-based access controls and full audit logging for every administrative action.
Bird supports SMS, email, WhatsApp, push notifications, and in-app messaging — all from a unified platform. Each channel has dedicated infrastructure for transactional messages (fraud alerts, balance notifications) separate from marketing sends. Multi-channel failover ensures every critical message reaches the customer even when one channel experiences issues.