Tonik, the Philippines’ first all-digital neobank, is on a mission to revolutionize how Filipinos access and interact with financial services. In a country where over 70% of the population remains unbanked or underbanked, Tonik is filling a critical gap by offering fully digital savings accounts, instant loans, and secure mobile banking—all through a user-friendly app.

To support this mission and scale rapidly, Tonik needed a secure, scalable, and reliable communication solution to engage customers in real time. That’s where 8×8’s SMS API played a transformative role.

By integrating 8×8’s cloud-based SMS platform, Tonik can now:

• Send One-Time Passwords (OTPs) securely for user verification and login

• Deliver payment reminders and transaction alerts instantly

• Run promotional campaigns that reach thousands of users within seconds

• Ensure high message deliverability while maintaining data privacy and regulatory compliance (PDPA, BSP, etc.)

With 8×8’s cost-efficient, agile messaging infrastructure, Tonik has significantly enhanced its customer engagement strategy. The SMS API allowed Tonik to maintain 24/7 secure communication, improve trust, and deliver real-time updates—critical for building loyalty in a digital-only environment.

The integration process was fast, seamless, and backed by 8×8’s responsive support team. As a result, Tonik achieved faster time-to-market, reduced operational friction, and improved customer satisfaction.

This successful partnership not only showcases the power of smart communication APIs in financial services but also highlights how digital innovation can drive financial inclusion in emerging markets. Tonik’s approach sets a new standard for neobanks across Southeast Asia and beyond.

By leveraging 8×8’s SMS API, Tonik continues to deliver a frictionless, mobile-first experience while building a future where banking is accessible to every Filipino—anytime, anywhere.