WhatsApp Banking for Co-operative Banks

WBanking is built around RBI's cyber security framework guidance for co-operative banks: messages are encrypted in transit by WhatsApp, staff access is role-based, and actions are recorded in audit trails. Compliance itself depends on each bank's own policies and controls, so we work with your compliance team during onboarding to align WBanking with your board-approved policy.

WBanking can connect to any core banking system. The integration is built for your bank during onboarding, working alongside your CBS vendor, with no data migration and no changes to your core system.

Messages are encrypted in transit by WhatsApp. WBanking stores and processes them only to provide the service to your bank, and in the dashboard they are visible to your authorised bank staff. As a policy, Ipride staff do not read member conversations.

No. Members message your bank on WhatsApp — the app they already have installed. There is nothing for them to download, and no separate login to remember.

Pricing depends on your member count and which modules you need — WhatsApp banking, chatbot, CRM, campaigns and DPDP consent tools can be licensed together or separately. Every plan includes onboarding, staff training, and support. Contact us for a quote based on your bank's size.

Non-transactional services such as information, enquiries and campaigns typically go live in 2–3 weeks. Transactional services that need core banking integration typically take 4–5 weeks. Our team handles the WhatsApp Business API setup, CBS integration and staff training.

The DPDP Act 2023 requires banks to manage consent and data requests formally. WBanking's DPDP module handles consent capture, Data Principal requests and audit trails, so your bank has a documented process rather than a manual one.

Yes — WhatsApp banking adds a channel, it doesn't remove any existing one. In practice, banks see routine enquiries like balance checks move to WhatsApp, freeing branch staff for in-person needs that actually require them.

Your team writes the chatbot's menus and answers, so flows can be in Marathi, Hindi or English — whichever your members use. The chatbot is menu-driven, and a member can be handed to a staff member whenever a query needs a person.