Decision matrix
Maximum urgency and device reach: SMS. Rich content and attachments: email. High mobile engagement: WhatsApp where policy and consent allow.
Message consistency
Keep tone and data aligned across channels to avoid support tickets from conflicting amounts or dates.
Smart fallbacks
If WhatsApp misses an SLA, route to SMS or email with auditable logs.
Measurement
Track opens, clicks and cost per notification; tune rules by segment and vertical.