API Integration solutions shouldn't communicate directly if clients since the messages sent by integration solutions won't we logged under the client in Mambu and therefore a credit officer wouldn't know which emails & SMS the client received when.
A new Mambu API is needed that is given a notification template ID and a client ID and sends out the email or SMS to the client using the provided template when a request is received.
This will allow an integration solution to e.g. send repayment reminders x days before the repayment is due or send partial loan application reminders x days after the application was filed.
The API could look like this: POST „notificationTemplate=DEF456“ /api/clients/ABC123/notifications
Extensions to this idea would be to also send Emails and SMS using templates from the interface when looking at a client and also seeing a per-client notification history.