As Product Owner of Absa ChatBanking on WhatsApp and a sensible accountable member of my organisation, I am allowed to talk about these things in my own capacity. Instead of a bunch of LinkedIn status mentions, I have put it all together in one place instead. This is not a press release, this is my personal blog.

To South Africa and the world, Absa ChatBanking on WhatsApp seems sparkling and brand new, but to me, Jacques Barkhuizen, Jaco Jacobs and the rest of the Express Team, we have finally brought into the world the fully formed vision of an idea we have been incubating, coding and testing for over two years.
Several seasons before we had our first meeting with Clickatell at the end of 2017 to discuss utilising their beta API access to get our working machinery into the end to end encrypted world of WhatsApp, the features you see working today – beneficiary payments, prepaid purchases and others, were turned on for the first time on ChatBanking on Facebook Messenger (July 2016) and three months before that a rudimentary version was first made available on Twitter (May 2016).
It’s quite surreal to hear people talking about Absa ChatBanking on WhatsApp, seeming to be amazed that it exists, wondering how we threw it together, or perhaps, thinking that we are using 3rd party software or systems to facilitate our payments and bank integration.
Nope and nope.
ChatBanking was built in house, by Absa staff, broken down then built up again, tested and trialled the old fashioned way, through long days, late nights and multiple releases. Although we appreciate our partners facilitation of the rails on which our service run and the elegance of the platforms on which we ride through API access (WhatsApp, Messenger, Twitter), we do not allow any other entity or partner access to our systems or data. No one gets in there, no one reads our messages or gets to peer in the back to see how the sausages are made. We have a legal responsibility to our customers to ensure this continues to be the case.
Am I little sensitive about this? Am I being a little bit precious about credit where credit is due?
Probably.
The team and I… well it hasn’t been easy.
As a bank we made a strategic decision not to make a noise about ChatBanking until we were able to get it on to WhatsApp, which we hoped was imminent, all the way back in 2016.
It turned out that WhatsApp had their doors locked and bolted back then and we couldn’t get a sniff at it, so we decided to start working on Twitter messaging as a low risk trial, followed by Facebook Messenger, an awesome platform and interface, which despite its excellent flexibility and menu features, is not preferred by our customers (I still continue to hope that this will change in time).
No one had much interest in Messenger when we went live in 2016 even though we won 3 international awards for our efforts. It was forgotten moments later and most of our market never knew about it. One of our competitor banks called it “smoke banking” (#neverforget and yes I have that tweet saved).
Internally and externally the message was clear – we needed to be on WhatsApp before anyone could get behind this product.
So we did what we needed to do. Whats that you ask?
- Several dozen hours spent in legal and compliance meetings debating safety and security, considering causality and fraud trends.
- More than 50 hours spent presenting to boards, panels and committees, at one of which I wore a Star Fleet Uniform.
- About 50 years, if your cobble together each team members individual conversations, animated emails and hallway debates, spent fighting for conversational bankings right to exist at all. Is it just cannibalisation of existing digital services? (short answer: No.) Should we NLP or should we not NLP? (Short answer: Not Yet). Is it impossible to secure? (No.) Do we have to sell our customers data to be on these platforms? (No, No, NEVER – not a single tiny piece).
I skipped two full nights of sleep in the last 30 days. The first time it happened was 11 July 2018, when we “flipped the switch” to make ChatBanking on WhatsApp live and visible to our customers. We discovered pretty early a broader audience than expected would want access to the service and that our registration criteria was a little tight, which necessitated various fixes and changes which took us into the wee hours. At a certain point it made more sense for me to just have breakfast and carry on than go to bed.
The second time I skipped a nights sleep was on 1 August 2018, the day of the “official” press launch of ChatBanking on WhatsApp. Due to time zone differences, we asked all of the attendees at our launch event to hold off on releasing their stories, interviews and editorials until after 6pm SA time, as we knew that WhatsApp would be speaking to the press on the other side of the ocean at 10am in California, and we had agreed to align.
So at 6pm, there I was on my PC in my hotel room, hitting refresh, waiting to see what might happen, and happen it did! Local press releases and stories pouring in, then boom, The New York Times and a bunch of other mentions on the international stage. I stayed up till dawn watching the show.

The team and I are feeling bruised and exhausted from a very long labor and realise that we have a very difficult untrained baby on our hands which we will need to successfully wrangle in the coming months and years, so that it can grow up to make its parents proud.
We believe in the infinite potential of conversational banking and its power to create seamless and inclusive banking experiences in the lives of our customers.
The revolution is here and the time is right. Everyone is going to be scrambling to be here and it is possible that by being first we could end up Betamax instead of VHS, when the next guys on the scene take what we have done and add the next layer, but know, that if that happens, we will be ready to snatch the baton back soon enough.
Brave. Passionate. Ready.




















