---
title: "How AdaKami Achieved a 30% Cost Reduction and 15% Faster Debt Recollection with WhatsApp"
description: "Discover how AdaKami achieved a 30% cost reduction, 25% higher open rates, and a 15% boost in on-time debt collection with YCloud WhatsApp API."
canonical: "https://www.ycloud.com/blog/adakami"
language: "en"
datePublished: "2026-03-09T10:11:01.538Z"
dateModified: "2026-06-29T01:40:23.216Z"
author: "Team YCloud"
---

# How AdaKami Achieved a 30% Cost Reduction and 15% Faster Debt Recollection with WhatsApp

![How AdaKami Achieved a 30% Cost Reduction & 15% Faster Debt Recollection with WhatsApp](https://static-blog.ycloud.com/adakami_blog_cover_e77333408c.png)

## **Results at a Glance**

> -   **30% Cost Reduction**
> -   **25% Improved Delivery & Open Rates**
> -   **15% Increase in On-Time Debt Recollection**

## **Background**

Launched in 2018 and based in Jakarta, Indonesia, AdaKami is a local online peer-to-peer lending platform that offers collateral-free loan facilities. To enhance customer communication while reducing costs, AdaKami replaced traditional SMS with YCloud’s WhatsApp API, ensuring faster, more engaging, and cost-effective messaging for its users.

## **The Challenge**

-   **Costly and Inefficient Messaging:** Traditional **SMS was costly and had lower engagement rates**, making it difficult to keep users informed and actively involved.
-   **Timely Communication:** AdaKami required a **reliable, real-time messaging system** for sending **utility, marketing, and authentication messages,** ensuring smooth operations and timely loan repayments.
-   **User Engagement:** With WhatsApp widely used in Indonesia, AdaKami aimed to leverage a direct, interactive channel to boost engagement, especially for critical notifications.

## **The YCloud WhatsApp Solution**

By integrating YCloud’s WhatsApp API, AdaKami revolutionized customer communication, enhancing engagement, security, and operational efficiency.

### **1\. Utility Messaging**

Send **Real-time alerts** on **account changes, payment deadlines, and other key updates** to ensure customers stay informed and take timely action.

### **2\. Marketing Messaging**

-   **Personalized marketing campaigns:** Using **dynamic templates**, AdaKami delivers **tailored promotions** such as **new loan offers and interest rate discounts**.
-   **Seamless user experience:** A **clickable CTA button** redirects customers to AdaKami’s **mobile app**, ensuring a **smooth transition from message to action**.

![How AdaKami Achieved a 30% Cost Reduction & 15% Faster Debt Recollection with WhatsApp](https://static-blog.ycloud.com/adakami_2_e1f66cbeb1.png)

### 

### **3\. Authentication Messaging**

-   **Secure OTP authentication:** Customers receive **instant one-time passwords (OTPs) via WhatsApp**, ensuring **quick and hassle-free authentication**.
-   **Autofill-Zero Tap:** Users can **seamlessly autofill passcodes** without switching apps, **enhancing security and reducing friction**.

![How AdaKami Achieved a 30% Cost Reduction & 15% Faster Debt Recollection with WhatsApp](https://static-blog.ycloud.com/adakami_3_f4656a3623.png)

With **tens of thousands of messages sent daily via YCloud**, AdaKami has embraced WhatsApp, a channel that is not only cost-effective but also offers significantly higher delivery and open rates compared with traditional SMS. In fact, leveraging WhatsApp has resulted in a 30% reduction in costs along with a 25% improvement in message open rates.

## **Impact & Outcomes**

-   **30% Cost Reduction:** **Cut messaging costs** by 30% by replacing traditional SMS with WhatsApp.
-   **25% Higher Open Rates:** Improved **delivery & engagement rates** through WhatsApp, ensuring messages reach the right audience.
-   **15% Faster Debt Collection:** Timely reminders and automated notifications **boosted on-time loan repayments**, enhancing financial performance.

By switching to YCloud’s WhatsApp API, AdaKami achieved measurable improvements in cost efficiency, engagement, and loan repayment rates, reinforcing its leadership in the peer-to-peer lending market.

**Ready to cut costs and improve engagement with WhatsApp? Let’s talk!**

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