In Central America most businesses have switched to WhatsApp or Facebook messenger. They still keep the normal phones though. Texting wouldn't work here though.
At first it was only small businesses like the nearby cafeteria sending the lunch menu, then it was fast food deliveries, some banks. Last year some state institutions made the switch.
I'm not sure about a mortgage, since that requires more paperwork. But most of a car insurance, car loan, personal loan, new internet phone line, can be done via WhatsApp.
The local digital signature law still doesn't work though, so at certain point of the process, the company sends an official or someone from a private post company to get the real signatures on paper and confirm that the ID card matches the application.