Carries notifications and messages — one place for things addressed to you. Chat gets no tab.
Six legitimate triggers exist: instalment due/late, limit expiring, appointment reminder, loan-request status, targeted promo, booking confirmed. An icon with nothing behind it is dead weight.
Timing: transactional sends belong in the 10:00–19:00 window — 96% of loan activity is inside clinic hours and there is no evening usage today.
The highest-value nudge is same-day: approved this afternoon, no application by evening. Not the day-30 expiry.
For a lender, an auditable record of 'we told you' has real value in collections and disputes.