How India’s Leading Digital Lending App Automated Instant Credit Disbursals With WhatsApp

Cashe example
Cashe example

Financial Services



Live Since

June 2022

Product Used

Lead Generation

Prateek Singh Kushwah

Our primary objective is to keep our loan product offering instant and simple, and ensure better customer engagement. We realized the need of having an automated and digital channel like WhatsApp to provide sachet loans to millions of users across India. With WhatsApp being popular and widely used across India, we decided to adopt it as a new customer communication and credit disbursal channel. We engaged with Haptik to integrate WhatsApp to offer an effortless borrowing experience for our users. 

We used validation and APIs to extract specific information from our core lending application for instant credit decisioning and disbursals. A digital assistant was also designed for answering queries from existing and prospective customers. Haptik’s tech expertise in terms of API builds and workflows for every aspect of the conversational journey is second to none and we highly value our working relationship with them.

– Prateek Singh Kushwah, Product Manager, CASHe


CASHe is one of India’s leading AI-driven credit-led financial wellness platforms that offers a full spectrum of consumer finance, savings and investment products designed to help salaried millennials avail affordable financial services.  

Since 2016, CASHe has been empowering the underserved sections of society by providing them with easy and affordable access to credit that meets their unmet financial needs. It offers hassle-free loans to help people take control of their personal finances regardless of their credit score by utilizing its proprietary AI/ML-backed credit decisioning model called the Social Loan Quotient (SLQ). 

Starting as a personal loan app with over 22 million downloads, CASHe is now a full-fledged financial services platform that offers its customers credit, insurance, EMI shopping, and investment services

Business Goals

CASHe wanted to improve the borrowing experience for middle-income young consumers. The brand wanted to bring mobility, transparency, agility, and a human touch to its conversations. They wanted to automate the entire borrowing process so as to lower call center traffic.


The key objectives included:

  • - Lead generation

  • - Quick onboarding of users

  • - Secure platform to approve an Instant Credit Line

  • - Round-the-clock support

  • - An AI-led chatbot that required zero human intervention

  • - Control customer acquisition costs

  • - Bring in transparency and speedy execution



CASHe partnered with Haptik to build an innovative and conservational WhatsApp bot enabling borrowers to avail of loans in under a minute.  The WhatsApp chatbot is a one-stop, end-to-end solution for young professionals who can access credit.

Essentially, the CASHe WhatsApp Bot offers users a seamless onboarding & borrowing experience with: 

  • - Automated underwriting and instant loan eligibility

  • - Easy document upload and instant verification

  • - Loan disbursal


Key Use Cases

CASHe WhatsApp Use Case

Business Impact


New Customers Acquired

25 Cr+

INR in loans disbursed


Credit Line Issued
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* The indicated numbers are from Jun 2022 to Nov 2022

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