🏦 Banking & Financial Services

Mission-Critical Authentication
for Banking & Finance

Deliver sub-second 2FA, OTP, and fraud alerts to customers worldwide — on direct Tier-1 routes built for zero-tolerance uptime and regulatory compliance.

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ISO 27001 Aligned End-to-End TLS 99.9% Uptime SLA Real-time DLR
Live Technical Specifications
OTP Delivery Latency< 300 ms avg
Platform Uptime SLA99.9%
Encryption in TransitTLS 1.2 / 1.3
SMPP Window SizeUp to 100 PDUs
Carrier RedundancyDual-path failover
DLR ConfirmationHandset-level
Supported Countries190+
GDPR Compliant✓ Yes
<300ms
OTP Delivery Avg
99.9%
Guaranteed Uptime
190+
Countries Reached
24/7
Security Monitoring
0
Grey Routes Used
Why Banks Choose SBS Telecom

Built for Financial-Grade Reliability

Every component of our platform is designed to meet the security, latency, and compliance demands of regulated financial institutions.

🔐

Sub-Second OTP Delivery

Direct Tier-1 carrier connections eliminate intermediary hops. OTP and 2FA messages reach handsets in under 300 ms on average — critical for preventing authentication timeouts in banking apps.

🛡️

Zero Grey-Route Policy

All traffic runs exclusively over direct carrier interconnects. No grey routes, no shared bulk paths. Your OTP messages cannot be intercepted by SIM-swap or SS7 attacks via rogue aggregators.

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Handset-Level DLR

Delivery receipts are sourced from the originating carrier, confirming handset receipt — not just SMSC acceptance. Know definitively whether an OTP reached the customer's device.

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Automatic Failover <2 s

If the primary route experiences degradation, our routing engine activates a secondary carrier path in under 2 seconds — with no API change required. Maintains SLA even during carrier outages.

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Global Sender ID Compliance

Pre-registered alphanumeric Sender IDs in 75+ countries ensure your bank's brand name appears — not a random number. Protects against spoofing and builds customer trust at the display level.

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Audit Trail & Reporting

Full message-level audit logs with timestamps, DLR events, and carrier identifiers. Exportable for compliance teams, regulators, and internal risk reviews via API or Client Portal.

Authentication Flow

How OTP SMS Works End-to-End

From your application to the customer's handset — every step is secured, monitored, and confirmed.

1
🏦

Bank App Triggers OTP

Your platform POSTs to the SBS TELECOM REST API or SMPP with the OTP payload and destination MSISDN.

2
🧠

Routing Engine Selects Path

LCR engine picks the lowest-latency Tier-1 direct route for the destination country in real time.

3
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Carrier Delivers via SS7

Message traverses directly over our SS7 interconnect to the destination operator with no third-party hops.

4
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Handset Receives OTP

Customer receives the OTP within 300 ms. DLR is returned to your system via webhook in real time.

5

DLR Confirmed to Your API

Your webhook receives DELIVERED status with carrier code. If failed, your system can trigger resend logic.

Security & Compliance

Regulatory-Ready Infrastructure

Our platform is architected to align with the compliance frameworks that matter most to financial institutions.

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ISO 27001

Information security management aligned with ISO/IEC 27001 controls

🇪🇺

GDPR

UK & EU GDPR compliant data processing. DPA available on request.

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TLS 1.3

All API and SMPP connections encrypted with TLS 1.2 minimum, TLS 1.3 preferred

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PCI DSS Aware

No card data processed. Platform architecture supports PCI-aware integration patterns.

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OFCOM (UK)

UK-registered. Compliant with OFCOM regulations for A2P SMS messaging.

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CTIA / TCPA

US routes via 10DLC-registered paths. TCPA-compliant carrier paths available.

🔐 End-to-End Security Architecture

Transport Security

  • TLS 1.2 / 1.3 on all API endpoints
  • SMPP over TLS (port 3550)
  • IP whitelist enforcement
  • Certificate pinning available

Access Control

  • Per-API-key rate limiting
  • HMAC-SHA256 webhook signatures
  • Role-based sub-account access
  • Audit logs per API credential

Operational Security

  • 24/7 NOC monitoring
  • Automated anomaly detection
  • Geo-redundant infrastructure
  • 99.9% uptime contractual SLA
"SBS TELECOM's OTP route achieved consistent sub-400ms delivery to our customers in the UAE and UK — the DLR webhook integration was live in under a day. Their support team understands banking workflows, not just SMS."
— Head of Digital Authentication, Regional Banking Group (UAE)
Get Started Today

Scale Authentication Without Compromise

Speak with our banking and finance specialists. Get a tailored route recommendation, SLA proposal, and competitive pricing — within one business day.

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