Email
Documents & informs
Account statements, surplus-distribution notices, formal calls to assembly, financial education and cooperative news.
Solutions · Cooperatives & finance · Panama
Your members, informed. Your payments, on time.
Payment reminders, assembly notices, account statements and access codes — on email, WhatsApp and SMS, orchestrated and compliant with Law 81. Your cooperative communicates like a serious institution; you look after your members.
Get your free check →The member who doesn't get the notice doesn't pay and doesn't attend.
A dues payment that isn't reminded becomes delinquency. An assembly that isn't properly called fails to reach quorum. And as a cooperative you're a regulated obligated entity handling your members' financial data: Law 81 requires consent and secure handling. Communicating on time, on the right channel and with permission stops being optional.
The three channels, in your sector
Each message, where it pays off.
WhatsApp
Collects & serves
Dues reminder with the option to check the balance or arrange payment, and member service with no queues or waits.
SMS
Secures the critical
OTP for digital banking, overdue-dues notice and assembly reminder: reaches every member, no internet needed.
Typical use cases
Loan payment reminderWhatsApp days before the due date with the option to check or pay; SMS backup if the dues are already overdue.
Assembly noticeA formal email with the call and a WhatsApp/SMS reminder to secure quorum.
Account statementPeriodic email of the member's savings and credit statement, securely.
Access & securityOTP codes by SMS to log in or authorize operations in the cooperative's digital banking.
Law 81 · financial data
Your members' financial data: confidential and regulated.
A cooperative handles its members' ID, balances and credit history, and is a regulated obligated entity. Law 81 of 2019 requires traceable consent and secure handling of that data. We operate with logged opt-in, traceable opt-outs and messages that don't over-expose financial information. If ANTAI or IPACOOP ask, you're covered.
How much delinquency would you avoid with a good reminder?
We run a free Law 81 + deliverability check: we review how you communicate with your members today, your consent and your channels, and hand back a clear traffic light with 3 actions. It's what others charge $450 for.
Get your free check →