SANTA CLARA, Calif. – October 14, 2026 – Eltropy, the agentic AI platform for credit unions and community banks, announces the launch of Branded Texting, which brings verified identity and richer, interactive messaging to financial institutions.
Built on Rich Communication Services (RCS), Branded Texting helps consumers recognize Texts from their trusted credit union or community bank through a carrier-verified business profile, while giving them simpler ways to respond and act. RCS is now supported on Apple iOS and Google Android devices across major U.S. carriers, expanding the reach of Branded Texting to nearly 9 in 10 phones in the United States.
Text messaging is already part of everyday life. Americans exchanged nearly 2.2 trillion Texts in 2024, according to CTIA. For financial institutions, that familiar channel connects consumers with payment reminders, loan updates, appointments and timely support. Branded Texting builds on that foundation with verified business profiles, images, interactive cards, carousels and tap-to-act buttons.
“The timing reflects a significant expansion in RCS availability. Juniper Research estimates that the share of mobile devices in North America able to receive RCS business messages rose from 40.3% in 2024 to 86.5% in 2025,” said Dibyendu Roy, Senior Director, Products at Eltropy. “That broader reach creates an opportunity for credit unions and community banks to offer more capable digital interactions within the messaging apps consumers already use.”
“Texting works because it fits into people’s lives. Branded Texting is a game changer because it builds on that familiarity with verified identity and a much richer experience,” said Ashish Garg, Co-founder and CEO of Eltropy. “Credit unions and community banks ask consumers to verify their identity every day. Consumers deserve that assurance in return. A carrier-verified profile helps them recognize that a message is coming from their financial institution. Rich content and clear action buttons then make it easier to understand the message and take the next step – all in the messaging app they already use.”
Institutional identity backed by carrier verification
The value of sender verification extends beyond brand recognition. Consumers reported losing $470 million to scams that began with Text messages in 2024, according to the Federal Trade Commission. Fake fraud alerts warning about suspicious purchases or problems with a financial account were among the frequently reported schemes.
The financial impact also reaches institutions. Across fraud types and channels, LexisNexis Risk Solutions’ 2025 True Cost of Fraud study found that every $1 of fraud loss cost U.S. financial services firms $5.75 in total.
Eltropy manages a thorough carrier-verification process that establishes the financial institution’s identity behind its displayed name, logo and business profile. This helps consumers distinguish messages from their trusted financial institution from impersonation attempts, complementing existing fraud prevention controls.
Richer conversations, familiar workflows
Rich media, interactive cards, carousels and action buttons upgrade the lending, payment, collections and service conversations institutions already manage through Eltropy. And the same messaging compliance requirements apply, supported by Eltropy’s existing consent, opt-out and audit controls. Branded Texting remains connected to the institution’s established service and authentication workflows, with automatic SMS fallback when RCS is unavailable. SMS fallback does not include the verified profile or interactive features.
Availability
Eltropy Branded Texting is generally available to credit unions and community banks. Existing customers can contact their Customer Success Manager or account representative for pricing and implementation details. To learn more, visit eltropy.com/branded-Texting.
Activation requires completion of the applicable sender-verification and carrier-approval processes. Features and availability vary by device, messaging application, carrier and configuration.
About Eltropy
Eltropy is the agentic AI platform for credit unions and community banks. We bring humans and AI together to serve communities better. From answering a question to resolving a request, AI agents handle routine tasks alongside teams that provide the human touch. Built-in Safe AI guardrails and a human-in-the-loop approach keep people in control. More than 750 financial institutions trust Eltropy to drive growth, experience, efficiency and compliance. Visit eltropy.com to learn more.
