Case Study: Neobank Tonik scales reach and secures OTP delivery to 200K customers with 8x8 SMS API

Tonik improves the financial lives of Filipinos with the support of 8x8 SMS API

Tonik, the Philippines’ first all-digital neobank launched in 2021, offers deposits, loans, payments and cards on a secure platform with a mission to expand financial access across the country’s 7,600 islands. Rapid growth ( Php1B in deposits within a month) and the need to reliably onboard and notify a widely dispersed, largely mobile-first population created a requirement for a scalable, omnichannel SMS solution that could handle high volumes, strong deliverability and close collaboration with a vendor.

Tonik chose 8x8 SMS API for its agility, support and market expertise; integration took less than a week. Today Tonik sends messages to 200,000 customers—170K messages in under 30 minutes—with a 95% deliverability rate for OTPs, payment alerts, reminders and promotions, improving security, onboarding conversion and customer trust while enabling automated, cost‑efficient nationwide scale.

Tonik

Arivuvel Ramu

Chief Technology Officer