FOR LICENSED MONEY LENDERS · SECURITIES BROKERAGES
Manage permitted lending and brokerage enquiries in one shared inbox. Connect approved channels, route clients to their advisor, and use secure systems for sensitive documents and decisions. Confirm platform eligibility for your business and market.
Trusted by 10,000+ enterprises across 60+ industries. ISO/IEC 27001 certified. Official Meta Technology Partner.
External studies describe specific samples and periods. These are not imBee customer results or a forecast.
Trusted by licensed lenders and brokerages across HK
The licensed-lender reality
A lending licence does not by itself establish WhatsApp eligibility. WhatsApp prohibits debt collection and certain lending business models. Review your actual business and use case against current platform rules and local requirements before launch. WhatsApp Business Messaging Policy.
A lending licence does not by itself establish WhatsApp eligibility. WhatsApp prohibits debt collection and certain lending business models. Review your actual business and use case against current platform rules and local requirements before launch. WhatsApp Business Messaging Policy.
Use chat for permitted enquiries and non-sensitive application updates. Collect identity and financial documents, contracts and signatures through approved secure systems. Confirm channel eligibility and the necessary integrations before rollout.
Set an appropriate response target and give permitted enquiries a clear owner. Measure qualified enquiries and completed applications for your own workflow, with staff responsible for financial decisions.
For a brokerage, every client conversation on a relationship manager's personal WhatsApp is a supervision gap, invisible to the firm, invisible in an inspection, and gone the day the RM resigns. The book belongs to the firm only if the conversations do.
Enquiries on WhatsApp, documents on email, reminders on SMS: staff tab between tools and borrowers fall through the gaps, with no single auditable record of who said what. Western-built lending tools don't speak WeChat at all: a blind spot for the HK borrower with mainland-China ties.
Sensitive identity and financial information needs approved collection, access and retention controls. Masking a field does not establish that requesting it through a particular channel is permitted.
One borrower journey, end to end
Manage permitted lending and brokerage enquiries in one shared inbox. Connect approved channels, route clients to their advisor, and use secure systems for sensitive documents and decisions. Confirm platform eligibility for your business and market.
Secure identity verification
Service updates through approved systems.
Give every client their own RM, branded, routed, alerted.
Use chat for permitted enquiries and non-sensitive application updates. Collect identity and financial documents, contracts and signatures through approved secure systems. Confirm channel eligibility and the necessary integrations before rollout.
Provide permitted service updates and links through your configured workflow. Keep sensitive account actions and payments in approved secure systems. Use an appropriate alternative channel for activities restricted by platform rules.
Manage permitted lending and brokerage enquiries in one shared inbox. Connect approved channels, route clients to their advisor, and use secure systems for sensitive documents and decisions. Confirm platform eligibility for your business and market.
Where it starts
Paid, social and your own site all become a 1:1 thread with the client’s own RM, tagged with where it came from and archived from the first message.
Swipe the screen to see the rest.
More use cases
Distilled from how digital lenders and brokerages run acquisition, verification and client service in chat (rebuilt for licensed, supervised teams) with the audit trail to show for it.
Most applications don't die: they stall. Automated nudges fire at the exact stall point (document upload, offer review, e-sign), in the same consented thread, until the file moves or the applicant opts out.
At fairs and roadshows, a QR on the booth opens a chat that delivers an instant welcome voucher and captures a consented subscriber, footfall becomes a broadcast-ready lending audience.
Use chat for permitted enquiries and non-sensitive application updates. Collect identity and financial documents, contracts and signatures through approved secure systems. Confirm channel eligibility and the necessary integrations before rollout.
Ground draft replies in approved product information. Authorised staff remain responsible for credit, regulated advice, claims, complaints and hardship requests. Test responses and escalation paths before deployment.
Use chat for permitted enquiries and non-sensitive application updates. Collect identity and financial documents, contracts and signatures through approved secure systems. Confirm channel eligibility and the necessary integrations before rollout.
Ground draft replies in approved product information. Authorised staff remain responsible for credit, regulated advice, claims, complaints and hardship requests. Test responses and escalation paths before deployment.
Provide permitted service updates and links through your configured workflow. Keep sensitive account actions and payments in approved secure systems. Use an appropriate alternative channel for activities restricted by platform rules.
Provide permitted service updates and links through your configured workflow. Keep sensitive account actions and payments in approved secure systems. Use an appropriate alternative channel for activities restricted by platform rules.
Provide permitted service updates and links through your configured workflow. Keep sensitive account actions and payments in approved secure systems. Use an appropriate alternative channel for activities restricted by platform rules.
Capture permitted enquiries and route them to the appropriate team. Evaluate qualified leads, service outcomes and handling time in your own pilot, with approved consent, escalation and integration arrangements.
Settlement confirmations, discharge letters and closure documents self-served via secure links in the thread and filed automatically, record-keeping your conduct-rule obligations can point to.
Route hardship and complaint requests promptly to authorised support staff. Keep credit decisions and advice with qualified personnel. Do not use WhatsApp for debt collection; arrange an appropriate alternative channel for restricted activities.
The website visitor reading your research becomes a WhatsApp conversation in one tap (through a chat widget in your firm’s own brand, on web and in-app) arriving in the inbox with the page context attached.
A key stated reason HK brokerages choose imBee. (imBee client feedback)
Use chat for permitted enquiries and non-sensitive application updates. Collect identity and financial documents, contracts and signatures through approved secure systems. Confirm channel eligibility and the necessary integrations before rollout.
A click-to-WhatsApp campaign or opt-in broadcast captures IPO interest as conversations while intent is hot; subscription windows, allotment results, dividend elections and rights issues then follow as actionable notices from your verified sender, segmented by holding and consent.
Where the approved systems and channel support the use case, send appropriate authentication or service alerts. Keep account details, verification and protective actions in authorised secure systems, with a clear staffed escalation route.
Client conversations belong to the firm, not the RM’s handset, role-based access, full archive, and a book that reassigns in minutes when someone resigns. The relationship survives the departure.
Benchmarks shown are third-party industry research or published sector case results, not imBee measurements.
Governed AI
Ground draft replies in approved product information. Authorised staff remain responsible for credit, regulated advice, claims, complaints and hardship requests. Test responses and escalation paths before deployment.
That's the only AI a licensed lender or a regulated brokerage can responsibly put in front of a customer, and the only one a compliance officer will let you keep there.
How it fits together
Nothing is bolted on afterwards: the conversation, the AI, the automation and the audit trail are one system, wired to the tools your teams already run on.
Platform tersebut
A lending licence does not by itself establish WhatsApp eligibility. WhatsApp prohibits debt collection and certain lending business models. Review your actual business and use case against current platform rules and local requirements before launch. WhatsApp Business Messaging Policy.
WhatsApp, WeChat, Instagram, Facebook Messenger, LINE, SMS and webchat in one inbox, with routing, assignment and full borrower context. WeChat coverage matters for HK borrowers with mainland-China ties.
Confirm account eligibility, supported channels, staffed languages and integration coverage for each actual market. Platform rules and local requirements still apply; one configuration does not establish suitability everywhere.
Ground draft replies in approved product information. Authorised staff remain responsible for credit, regulated advice, claims, complaints and hardship requests. Test responses and escalation paths before deployment.
A chat widget in your firm’s own brand on your website, and embedded natively in your mobile app via SDK. One consistent client experience, design and logic configurable by your team, feeding the same governed inbox.
Use chat for permitted enquiries and non-sensitive application updates. Collect identity and financial documents, contracts and signatures through approved secure systems. Confirm channel eligibility and the necessary integrations before rollout.
Review the certification scope and the proposed data flow. Configure access, masking, audit and retention controls for your deployment, and verify encryption separately. Keep restricted identity and financial information in approved secure systems.
Swipe the screen to see the rest.
Review the certification scope and the proposed data flow. Configure access, masking, audit and retention controls for your deployment, and verify encryption separately. Keep restricted identity and financial information in approved secure systems.
The full toolkit
Available on the imBee platform today. Plan availability is confirmed during scoping.
Swipe the screen to see the rest.
Before and after
The same four moments, run the way they run now and the way they run once every branch shares one governed inbox.
Mengapa imBee?
Confirm account eligibility, supported channels, staffed languages and integration coverage for each actual market. Platform rules and local requirements still apply; one configuration does not establish suitability everywhere.
Use approved systems to present the disclosures and acknowledgements required for your actual product and market. Your authorised team approves the content and timing. imBee supports the configured workflow; software alone does not establish compliance.
Mainland-linked borrowers don't live on WhatsApp alone. imBee covers WeChat + Cantonese natively: a channel Western-built lending tools simply don't have.
imBee AI hands off to a human on hardship, complaints and any credit decision. The handoff is the product, not a workaround.
Use chat for permitted enquiries and non-sensitive application updates. Collect identity and financial documents, contracts and signatures through approved secure systems. Confirm channel eligibility and the necessary integrations before rollout.
A web-chat widget in your firm’s own brand, plus an SDK embed in your app, with every client routed 1:1 to their own RM. One experience across web and app, one governed inbox behind it: a key stated reason brokerages choose imBee (imBee client feedback).
Review collection, storage and access. Confirm display masking, encryption and retention separately for your deployment.
Manage permitted lending and brokerage enquiries in one shared inbox. Connect approved channels, route clients to their advisor, and use secure systems for sensitive documents and decisions. Confirm platform eligibility for your business and market.
CRM, loan-origination systems, credit-bureau APIs and payment rails, enterprise depth the SMB-oriented messaging tools can't match.
Questions
Ready when you are
Manage permitted lending and brokerage enquiries in one shared inbox. Connect approved channels, route clients to their advisor, and use secure systems for sensitive documents and decisions. Confirm platform eligibility for your business and market.
Research cited on this page: Meta, click-to-WhatsApp lead campaign results · Forrester Total Economic Impact of Business Messaging (commissioned by Meta) · WhatsApp Business Platform, official documentation
Explore imBee: WhatsApp Business API · Omnichannel Inbox · Chatbot & Automation · Pricing · WhatsApp compliance for financial services