I am taking the learnings of okcredit, khatabook (digital ledger in India), bijak, procol (trading in India), choco, rekki (restaurant ordering from their suppliers) to what I believe is the final consequence of an integrated chat app to run small businesses.
I used MessageBird for sms notification of new messages, SendGrid for email and Firebase Auth for login.
Also, out of interest, what service are you using for the SMS authentication?