A natural conversational IVR has been built using Twilio APIs as "building blocks". The stack includes Studio and Autopilot for structure and control of the workflow, Twilio Functions to add personalization and send OTP and email, Sync as an on-the-fly database, and Authy 2FA for security. The IVR is personalized based on customer data gathered from a dynamic database created using SMS and Sync Map functions. Security features include 2FA verification and protection of customer data. The IVR also sends customers a $100 gift card to their preferred communication channel via email in real-time.