📱 Fido SMS Analysis

📊 Ghana — Volume & Trends

👥 Who Are We Messaging?

Message Frequency per Phone

Bucket	Phones	Total SMS
1 msg	670,992	670,992
2-5 msgs	955,208	2,721,708
6-10 msgs	171,097	1,268,839
11-20 msgs	29,626	373,043
21-50 msgs	403	10,438
50+ msgs	70	5,392

📢 Campaign Breakdown

Infobip Campaigns

Campaign	Volume	Unique Phones
(none)	456,842	293,308
USSD Dropoffs - Jan 23	126,684	126,684
KYC Not Verified - Jan 26	105,666	95,111
USSD Dropoffs - Jan 26	104,741	104,741
USSD Dropoffs - Jan 29	104,093	104,093
EasySave (Users KYC not verified) - Jan 23	100,280	95,177
KYC Not Verified - Jan 29	99,901	94,816
KYC Not Verified - Jan 16	92,080	82,432
USSD Dropoffs - Feb 2	87,126	87,126
SMS_CAMP_20260203_BEHAVIORAL_SEG	86,680	86,386
KYC Not Verified - Jan 23	85,550	74,421
USSD Dropoffs - Jan 28	85,183	85,183
USSD Dropoffs - Jan 21	78,314	78,314
KYC Not Verified - Jan 19	77,584	67,960
EasySave (USSD Dropoffs) - Feb 3	77,318	77,318
Potential Non-Eligible - Jan 12	72,970	72,970
KYC Not Verified - Jan 27	72,506	72,505
EasySave (Users KYC not verified) - Jan 16	72,185	67,797
USSD Dropoffs - Jan 12	68,084	68,084
Write off SMS_Non Discounted	68,031	67,787
EasySave (Non-Savers - Fido Score > 0) - Jan 30	67,990	67,988
EasySave (Non-Savers - Fido Score > 0) - Jan 15	67,570	67,570
USSD Dropoffs - Feb 6	66,723	66,723
Potential Non-Eligible - Jan 24	65,681	65,681
Potential Non-Eligible - Jan 19	64,494	64,494

System SMS Tags (COMMUNICATION_RESULT)

Tag	Volume	Unique Phones
OTP	407,222	225,424
SUCCESSFUL_REPAYMENT	289,147	168,980
(none)	249,772	148,972
KYC_EVALUATION_PROGRESS_CHANGED	195,277	70,641
FAILED_REPAYMENT	182,852	64,333
VALIDATED	178,593	140,193
DEPOSIT_CONFIRMATION	156,834	67,688
DISBURSED	150,856	137,260
LOAN_REPAID	143,472	125,241
DPD_-5_REMINDER	128,230	119,695
DPD_-1_REMINDER	88,073	81,655
DPD_-15_REMINDER	57,204	50,174
BULK_COMMUNICATION	56,975	51,852
SUCCESSFUL_DEPOSIT	53,203	20,808
SUCCESSFUL_WITHDRAWAL	46,383	15,922
DPD_1_REMINDER	38,026	34,219
FAILED_DEPOSIT	35,634	14,456
SCORE_UPDATE	35,349	35,294
DPD_-9_REMINDER	27,841	25,719
DPD_3_REMINDER	25,401	22,154
DPD_35_REMINDER	24,093	20,263
DPD_29_REMINDER	23,346	19,775
DPD_28_REMINDER	23,066	19,600
DISBURSEMENT_NOTIFICATION_L0	21,177	20,889
DPD_42_REMINDER	20,573	17,211

🔍 Content Quality Audit

Top Message Templates (Infobip)

Volume	Message Text
614,397	Get the cash you need, up to GHS 8,200 in a few simple steps. Proceed with FIDO here: https://fido.smart.link/e1oj1tugg - To stop msgs, dial *998*13#
273,066	Susu gives back exactly what you put in. EasySave ADDS interest. Save and earn interest every day here: https://i.fido.money/002xGXDH - To stop msgs,
235,376	Get the cash you need in a few simple steps. Proceed with FIDO here: https://i.fido.money/002RmO54 - To stop msgs, dial *998*13#
191,216	You're almost there! Complete your KYC for instant cash with FIDO. Click https://app.fido.money/verify-identity - To stop msgs, dial *998*13#
174,401	Start small, earn daily. Save GHS 50 or more this month end and grow your savings up to 10% interest p/a: https://app.fido.money/savings - To stop msg
164,239	Get instant cash, up to GHS 8,200 in a few simple steps. Proceed with FIDO here: https://i.fido.money/000R5wmW - To stop msgs, dial *998*13#
134,590	January is long, but your pockets don't have to be empty. Get a Fido loan today. Click https://app.fido.money/verify-identity - To stop msgs, dial *99
117,470	You can get approved in 5 minutes, for an instant FIDO loan. Finish your account signup at https://app.fido.money/verify-identity - To stop msgs, dial
114,915	Submit your MoMo statement or other docs, get a better FIDO Score and grab your loan. Click: https://app.fido.money/fido-score - To stop msgs, dial *9
99,901	January has been long, but your pockets don't have to be empty. Get a Fido loan today. Click https://app.fido.money/verify-identity - To stop msgs, di
76,454	Need cash today? Get it instantly, up to GHS 8,200 in a few simple steps. Proceed with FIDO here: https://i.fido.money/0001YVLz - To stop msgs, dial *
60,000	January has been long, but your pockets shouldn't be empty. Get a Fido loan today: https://app.fido.money/verify-identity - To stop msgs, dial *998*13
47,525	Your pockets shouldn't be empty in February. Get a Fido loan today: https://i.fido.money/004LiYzd - To stop msgs, dial *998*13#
36,773	Get Bigger Loans Faster with FIDO! Submit your MTN statement via our new Whatsapp Bot to get approved for more money: Start here: https://b.fido.money
33,988	Start small, earn daily. Put aside as little as GHS 50 this month end and grow your EasySave balance with up to 10% interest p/a: https://i.fido.money
30,730	Thousands of people are cashing out their FidoBiz loan of up to 8,200 GHS. You can be next. Continue here: https://app.fido.money/biz
30,000	Start small, earn daily. Save GHS50 or more this month end and grow your savings up to 10% interest p/a: https://app.fido.money/savings - To stop msgs
22,031	Make some money on the side, up to GHS 5,500 per month for just 100 referrals who get a loan with your code. Start here: https://app.fido.money/invite
20,000	Hi, we noticed your Fido signup is incomplete. Visit our office on Feb 13 to finish and get a guaranteed GHS 20 credited to your savings account insta
15,592	Didn't qualify for a loan? Learn the right way to get your MoMo statement in this short video: https://youtu.be/kJGWDEENhUU . To unsubscribe, dial *99

Top Message Templates (System SMS)

Volume	Message Text
20,168	Grow your money! Save 200 GHS / month for 2 years, you'll have 5,786 GHS and over 786 GHS profit: https://s.fido.money/sryta5rf6 -To stop msgs, dial *
20,041	Didn't qualify for a loan? Learn the right way to get your MoMo statement in this short video: https://youtu.be/kJGWDEENhUU . To unsubscribe, dial *99
19,612	So close! Just submit your MoMo statement or other docs and get up to GHS 8,200. Click https://app.fido.money/fido-score - To stop msgs, dial *998*13#
19,521	You recently requested a PIN reset for your Fido account. Click on the link to reset your PIN: https://app.fido.money/reset/0004d000-ad34-416d-b2f4-d
18,233	Submit your MoMo statement or other docs, get a better FIDO Score and grab your loan. Click: https://app.fido.money/fido-score - To stop msgs, dial *9
15,450	Running a business or side hustle? FidoBiz offers up to GHS 8,200. Complete your KYB and grow now: https://app.fido.money/biz To stop msgs, dial *998*
13,164	Get more money to grow your business or fix cash issues. Upload your MoMo statement to upgrade: https://app.fido.money/documents - To stop msgs, dial
9,624	Don't wait till repayment day! Keep a part of your loan in your EasySave account; earn interest daily: https://s.fido.money/sw2y0sv2j To opt-out: *998
9,388	Congrats! You're eligible for a FIDO loan. Don't wait! Watch this short video for some tips: https://youtu.be/BsJwc1An980 . Dial *998*13# to unsubscri
9,262	Still need cash? No guarantor or collateral? Get your loan in a few mins, up to GHS 8,200: https://app.fido.money/fido-score . To stop msgs, dial *998
8,808	Need cash? Complete verification for up to GHS 8,200. No guarantors, no collateral. Start: https://app.fido.money/verify-identity To stop msgs, dial *
8,477	Verify your identity before your Fido account expires. Complete your verification here: https://app.fido.money/verify-identity To stop msgs, dial *998
7,356	Need help with your FIDO registration? Chat with us now & let's get you sorted! Tap https://app.fido.money/fido-score . To stop msgs, dial *998*13#
7,268	Hi, achieve more with Fido. Upload your MoMo statement to upgrade to bigger loans. Start: https://app.fido.money/documents - To stop msgs, dial *998*1
6,466	Unfortunately we were unable to verify you through MTN. Please go back to the Fido app to complete the onboarding process there.
6,141	As per Section 33a of the Lenders & Borrowers Act 2008, we’ve met all obligations. Your account may proceed to court. Take action now. Avoid this by p
4,762	Your Loan Awaits! Hi friend, you're eligible for a loan! Tap https://app.fido.money/apply-now to get your funds now. Dial *998*13# to unsubscribe.
4,740	Your loan access can expire! Apply now for your first funds in minutes. Click https://app.fido.money/apply-now - Dial *998*13# to unsubscribe.
3,760	Dear customer, your credit request has been delayed due to a network issue. If we cannot complete it, we will contact you. For support, please visit
3,251	Your money can grow. Save 200 GHS a month for 2 years, you'll have 5,786 GHS and over 786 GHS in profit: https://s.fido.money/sw2y0sv2j To opt-out: *9

🔴 Placeholder / Personalization Issues

Count	Message
19	Dear Customer, For any inquiries, please contact our Customer Support team at 0596922420. You can also reach us via the Live Chat feature on the Fido
10	Dear Customer,To support your FidoBiz approval, kindly upload your most recent three-month MTN MoMo statement (for example, 16 November 2025 to 16th J
9	Dear Customer,To support your FidoBiz approval, kindly upload your most recent three-month MTN MoMo statement (for example, 3rd November 2025 to 6th J
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	{firstName}, let's find a way to resolve your GHS {amount} account together. Flexible options available. Start a conversation: https://s.fido.money/eo
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	{firstName}, your GHS {amount} case is now with a senior manager for review. Dial *998# or WhatsApp https://s.fido.money/eo5xchyw9 today to discuss op
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us
2	Dear Customer, thank you for contacting Fido Customer Support. Kindly take a few seconds to let us know how you feel about the support you received us

🔴 CR Placeholder Issues (Double Spaces)

Count	Message
2	Dear MAWUSI EFFE ADADJI, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the Fido
1	Dear KWAME QUANSAH ESSUMAN, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the Fid
1	Dear SYLVANUS ADJEI DANSO, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the Fid
1	Dear PRISCILLA ANTWI, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the Fido app
1	Dear EMMANUEL JOHN ASAMANI, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the Fid
1	Dear BENEDICTA ARTHUR, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the Fido ap
1	Dear MICHAEL KAKRA KWANOR, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the Fido
1	Dear AKUFFO ESTHER ADJEI, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the Fido
1	Dear MAHAMA ALHASSAN EWUNTOMAH, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on th
1	Dear GRACE ODOOM, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the Fido app. Tha
1	Dear SHAIBU MUNTAR, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the Fido app. T
1	Dear FESTUS NANA OWUSU ANTWI, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the F
1	Dear MOHAMMED TOUFIK ABUBAKARI, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the
1	Dear HARRIET ANSAH, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the Fido app. T
1	Dear VICTOR AYIKA, Hello! We’ve fixed the technical issue affecting logins and repayments. You can now easily make your repayment on the Fido app. Th

Messages with URLs

Volume	Message
114,915
22,031
21,685
15,592
13,123
12,513
11,571
9,218
9,191
8,259
8,172
8,134
7,841
7,749
7,331

🔁 Spam / Repetition

Same Message to Same Phone (Repeated)

Times Repeated	Phone Count	Total SMS
2	279,432	558,864
3	72,963	218,889
4	21,585	86,340
5	6,765	33,825
6	2,366	14,196
7	1,434	10,038
8	578	4,624
9	58	522
10	42	420
11	16	176
12	9	108
13	17	221
14	12	168
15	5	75
16	4	64

Top Offenders

Phone	Repeats	Message
3	217	Repay your Fido Loan via MTN MoMo:↲↲Click: https://app.fido.money/repay↲OR↲1. Di
1	71	To repay your Fido Loan via the Fido App, kindly use the link below:↲https://app
233552794208	43	Hi there, you started your signup with FIDO 27 day(s) ago. Complete it for up to
233550037974	41	Topup Payment Successful 🎉
233545323096	39	Topup Payment Successful 🎉
2	38	Repay your Fido loan via USSD:↲↲1. Dial *998#↲2. Enter Fido PIN↲3. Select Credit
4	36	Repay your Fido Loan via Telecel Cash:↲↲Click: https://app.fido.money/repay↲OR↲1
233256468051	35	Hi there, you started your signup with FIDO 22 day(s) ago. Complete it for up to
233545060465	30	Topup Payment Successful 🎉
233240630230	29	Topup Payment Failed