How LCL strengthened customer trust and fraud prevention with LINK's RCS Messaging
6 Mil
customers protected
4x
customer service of the year
1,400
branches
LCL faced growing payment fraud risks and declining trust in traditional SMS
As digital banking continues to grow, customers expect to complete payments, transfers and contract signings instantly from anywhere. However, this convenience has also led to increasingly sophisticated phishing and SMS fraud (smishing) attacks impersonating trusted financial institutions.
LCL wanted a more secure communication channel that would help customers instantly recognise legitimate messages, strengthen confidence in its brand, and improve protection against payment fraud without compromising customer experience.
Using RCS to deliver trusted, verified fraud alerts
To address these challenges, LCL partnered with LINK Mobility to launch verified RCS messaging for fraud prevention.
Using RCS Business Messaging, LCL now sends secure fraud alerts whenever suspicious card or transfer activity is detected. Unlike traditional SMS, every message clearly identifies LCL as the verified sender, providing customers with confidence that communications are genuine.
The solution includes:
Verified RCS Business Messaging delivered through LINK Mobility
Official LCL brand name and logo displayed within every conversation
Google and operator verification badge confirming sender authenticity
Interactive call-to-action buttons allowing customers to respond immediately
Rich branded messaging that builds confidence and encourages engagement
By combining verified branding with interactive messaging, LCL has created a safer and more reassuring customer experience during some of the most sensitive banking interactions.
Verified messaging strengthens security and customer confidence
By becoming one of the first French banks to deploy RCS specifically for fraud prevention, LCL has taken another step towards protecting customers from increasingly sophisticated fraud attempts.
The rich messaging experience makes official communications easier to recognise, helping customers distinguish legitimate fraud alerts from fraudulent messages while improving engagement with important banking communications.
Beyond stronger security, the project demonstrates how verified business messaging can reinforce customer trust while supporting a modern digital banking experience.
"RCS has allowed us to take a new step in how we communicate with our customers. We were looking for a channel that combined proximity, simplicity and security, and the results have been extremely positive. Customers identify our communications more easily and engage more with the content we provide. Beyond performance, it's the quality of the experience that makes the difference. We can deliver clear, useful and reassuring messages that strengthen trust between the bank and its customers."
The future of RCS in banking
While fraud prevention was the initial focus, RCS opens the door to a much broader range of secure banking communications.
Banks can use verified RCS messaging to deliver:
Account and transaction notifications
Card renewal reminders
Appointment booking with advisors
Interactive customer support conversations
Secure document signing and authentication
Personalised product recommendations and financial offers
With trusted branding, rich interactivity and secure customer experiences, RCS is becoming an important channel for the future of digital banking.
How are you protecting customer communications?
Customers expect banking communications to be fast, secure and trustworthy. LINK Mobility helps financial institutions deliver verified RCS messaging that strengthens customer confidence, protects against fraud and creates richer digital experiences.