Who runs on Sprout

Five of Sri Lanka's leading banks — for over a decade

Sprout carries the messages banks cannot get wrong — OTPs, transaction alerts, WhatsApp OTPs, promotions — and the WhatsApp banking their customers use every day.

Book a 30-minute demo →See what lost leads cost you
12+years with HNB
7+years with Commercial Bank
5leading banks
100+enterprises
What we do for banks

One platform: the messages you must send, and the leads you must not lose

1

Messaging gateway

The rails five banks run on today: OTPs, transaction alerts and promotions on SMS and WhatsApp — reliable, auditable, compliant.

  • OTPs and transaction alerts, SMS and WhatsApp
  • Promotional SMS with governance and templates
  • WhatsApp OTP and authenticated notifications
  • Delivery reporting and audit trail
2

WhatsApp banking & AI agents

Secure, compliant conversations in your app, website and WhatsApp — balances, statements, cards, rates, branches — with a human hand-off when it matters.

  • AI agents built on your product knowledge, no code
  • Meta Business Partner — certified WhatsApp Cloud API
  • Hand-off to the contact centre, seamlessly
  • Cloud or on-premise, role-based access
3

Growth Platform

Every loan, card, deposit and account inquiry captured, qualified by AI, followed up on a cadence, and traced to the product it sold.

  • Eligibility and intent checked before an officer calls
  • Follow-up cadence with SLAs; every touch recorded
  • Ad spend to accounts opened, by channel
  • The one sentence naming this quarter's leak
OTP · ALERTS · PROMOTIONS
Messaging gateway — liveSMS · WhatsApp
HNB: Your OTP is 482 913. Valid for 3 minutes. Do not share.
Your account xxxx4417 was debited LKR 12,500.00 at 09:41. Balance available.
Rs. 1M personal loan at a special rate this month. Reply YES for a call.
DELIVERED 99.97%
Audit trail on every messageOTP · alert · promotion · WhatsApp OTP
WHATSAPP BANKING
WhatsApp bankingAI agent · human hand-off
What's my available balance?
Your savings account xxxx4417 has LKR 184,320.00 available. Would you like your last 5 transactions?
Yes, and I want to apply for a credit card.
Here are your last 5 transactions. For the card, a relationship officer will call you within 15 minutes — is this number best?
HOT · card inquiry
Qualified and routed to salesfrom a service conversation
AD SPEND → ACCOUNTS OPENED
ChannelSpendClosedRevenue
WhatsApp ads3.1M3841.2MINVEST
Forms + revival1.4M1716.9MINVEST
Instagram2.2M1412.6MHOLD
Awareness1.3M21.6MCUT
This month's bottleneckNot lead volume (↑18%). Follow-up: 34% of hot leads got under two touches. Recoverable: LKR 4.8M.
The platform

Three layers on one spine

Every inquiry, every channel, one lead timeline — captured, qualified, worked, closed, and attributed back to the campaign that paid for it. Built for regulated deployment: cloud or on-premise, role-based access, audit trail.

Where leads come from
Meta paidClick-to-WhatsApp, lead-form ads, feed and story ads
Meta organicWhatsApp, Instagram and Facebook DMs, comments, story replies
GoogleSearch ads, Business Profile, lead forms
WebsiteLive chat, Sprout Forms with OTP, pop-ups and embeds
VoiceIVR and contact-centre hand-off, WhatsApp calling
Messaging gatewayOTP, transactional and promotional replies — every customer who answers a message is a lead
LAYER 1

Capture & Qualify

The front engine — nothing human happens until a lead is scored.
Source detectionUTM, webhook, click-to-WhatsApp payload, referrer, form ID
Identity resolutionPhone-first merge. One person, many touches, one record.
Flow routingSource and intent decide the conversation. Rule tester built in.
AI qualificationProduct interest, eligibility, timing, intent — Hot / Warm / Cold with reasons
Score and tier100 points across source, eligibility, intent, contact quality
Lead DNAIdentity, attribution history, score reasons, full transcript
Qualified — with the reasons attached
LAYER 2

Growth OS

The revenue engine — the qualified lead is worked to a product sold.
MQL intakeArrives with source, campaign, score and the reasons attached
Cadence engineCall, WhatsApp, email, revisit — on SLA timers, with escalation
SQL and pipelineStages, confidence, owner, stall detection by product value
Call intelligenceRecord the sales call, transcribe it, pull objections and next steps
Application and offerApplication started from the record; documents and status tracked
Account and revenueOpened, disbursed or lost with reason codes, written back to the lead
Every action, timestamped
LAYER 3

Sprout Signal

The insight spine — what it cost, what it returned, what leaked.
Ad spend to revenueChannel, campaign, ad set and creative mapped to closed value
Leakage indexWhat was lost, where, and what it was worth
Seat dashboardsNine screens. No metric its owner cannot act on.
Alerts and digestsInstant for the worker, daily for the manager, monthly for the board
Closed loop outQualified-lead and revenue events pushed back to Meta CAPI and GA4
BenchmarksYour rates against your sector, month on month
One model, every level
Group / BankOne home for the whole bank. Every unit ranked on leads, speed of response, conversion and leakage.
Business unitRetail, cards, SME, wealth — compared on the same rules, with their own targets.
Branch or teamIts own agents, forms, cadences, team and data. Reports upward automatically.
Where it plugs in
CRM (Zoho, HubSpot, webhook to anything) · core banking and product systems via API gateway · Google Sheets and Calendar · Meta CAPI and GA4 · WhatsApp Business API · SSO and role-based access per entity
ONE LEAD OBJECT · ONE EVENT TIMELINE · EVERY DASHBOARD IS A QUERY ON IT
The signal layer

The signals the platform sends on its own

Every arrow is automatic, carries a payload, and expects an action at the other end. Click a seat to see what it sends and receives.

MARKETING
SALES
SERVICE
OBSERVERWas it worth it
MANAGERHit the number
WORKERFinish today well
Up the lineDown the lineAcross the teamsOut to the systems
1
Paid media → Head of Digital Marketing

Creative burning spend without qualified leads — flagged before month-end.

2
Relationship officer → Sales Manager

Hot loan lead untouched past SLA, or going dark — within the hour.

3
Contact centre → Manager

Same customer back a third time — with the earlier threads attached.

4
Head of Marketing → Group CMO

One computed sentence: what leaked this quarter, where, and what it was worth.

5
Sales Manager → Head of Retail

Forecast moved because accounts moved — nobody was asked to update a sheet.

6
Contact Centre Manager → COO

Cost to serve per conversation, and which unit fell below the SLA floor.

7
Head of Retail → Sales Manager

Product targets, budget reallocation and the SLA floor — as rules the platform enforces.

8
Sales Manager → Relationship officer

Reassignment, a changed cadence, or a coaching prompt off the call transcript.

9
Relationship officer → Paid media

Officer flags a bad qualification — tunes the score and marks the source that sent it.

10
Relationship officer → Creative

The objection heard on every call — rate, documents, eligibility — becomes the next ad angle and the next FAQ.

11
Contact centre → Relationship officer

A customer asks about a card or a loan inside a service chat — a new qualified lead for sales.

12
Platform → Meta CAPI / CRM / core systems

Qualified-lead and account-opened events pushed against the original click; outcome written back onto the lead.

A signal only exists if the receiver can act on it. Out to the systems: Meta CAPI · GA4 · CRM · Calendar · Sheets · API gateway.

Lost lead calculator

What is the leak costing you?

Your own numbers. Most owners don't like the answer.

Estimated revenue leaking per monthLKR 0Illustrative: inquiries × leaked % × conversion × value. Sprout closes the leak.Show me on my own funnel
Questions banks ask

Straight answers

Is it secure and compliant enough for a bank?

Five banks already run on it. Security-review ready, on-premise available, role-based access per entity, full audit trail, and an official Meta Business Partner for WhatsApp.

Does the growth platform replace the messaging gateway?

No — it sits on top of it. The gateway sends and secures the messages; the growth platform captures the inquiries those messages and campaigns generate, qualifies them, and traces them to products sold.

Is Sprout a CRM?

No. A CRM records what your team types after the fact. Sprout starts at the ad click, qualifies before anyone types anything, and records what actually happened. Keep your CRM — Sprout fills it with truth.

How long to go live?

Typically two weeks from setup: flow sign-off, configuration of your rules and cadence, training per role, go-live. Setup fee before any work starts; annual plan on go-live.

What about WhatsApp and Meta message charges?

Billed transparently at cost. Sprout qualifies in the fewest messages possible and captures leads from channels beyond WhatsApp, so your growth engine doesn't depend on one platform's price list.

Which channel opened your last hundred accounts?

If you can answer in ten seconds, you don't need us. If someone has to get back to you — that's the leak. Thirty minutes, your own funnel on our screen.

Book a 30-minute demo →