Signups, logins, password resets, high-value transactions, KYC checks — one branded SMS rail, sub-three-second delivery on Safaricom, full audit trail for every code sent.
SMS is the only auth channel that works on every Kenyan phone, on every Kenyan carrier, without an app. Sozuri's transactional rail routes OTPs on priority queues so the code arrives before the customer can switch apps.
The signup form generates a hashed 4-digit code on Bidii's backend. Sozuri delivers it on the transactional rail with the bank's branded sender. The customer types it back; Bidii compares the hash; the user is verified. Done in 8 seconds.
When the customer initiates a KSh 50,000 transfer, Bidii's backend fires a step-up OTP with the recipient's name and amount in the message body. Visual confirmation kills "approve-anything-blindly" mistakes; the audit log captures intent.
Bidii's risk engine spots an unfamiliar device. Instead of just sending a code, the bank sends an interactive WhatsApp message with confirm / dispute buttons. One tap and the right thing happens — in either direction.
The code lands before the customer can switch apps. UX feels instant; conversion rates reflect it.
If the customer's network has signal, the SMS is going through. Sozuri's success rate matches the carrier's.
Every OTP send logged with sender, recipient, message ID and delivery state. Inspector-ready in one click.
“We moved OTPs from a global provider to Sozuri the day we noticed Safaricom subscribers were getting codes 12 seconds late. Sub-3-second is now table stakes.”
SMS reaches every Kenyan phone, every Kenyan carrier, every Kenyan network condition. For auth, that's the only "reach" metric that matters.