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top features to look for in a Sri Lankan banking app

Prompt

Last updated 19th October 2025

Domain count
ajackus.com
1
softices.com
1
neontri.com
1
Citations count
22
0
10
12
Brands Discovered
18
8
6
5

Original answer

Here are the top features to look for in a Sri Lankan banking app, with a short explanation of why each matters:

  1. Strong security

    • Biometric login (fingerprint/Face ID), PIN, and session timeout.
    • Two-factor authentication (SMS/APP OTP) and device management (approve/revoke devices).
    • End-to-end encryption and clear privacy policy — protects your money and data.
  2. Local language support

    • Sinhala, Tamil and English UI and notifications — makes the app usable for more customers.
  3. FAST, reliable money transfers

    • Support for LankaPay/FAST or the bank’s instant interbank transfer service, internal transfers, and standing orders.
    • International transfers (SWIFT) with transparent fees and tracking.
  4. Card management

    • View card balances, transaction history, enable/disable card, set spend limits, block/unblock card instantly, and request replacements.
  5. Bill payments & top-ups

    • Utility bill payments (CEB, NWSDB, etc.), mobile prepaid/postpaid top-ups, and merchant payments in one place.
  6. LANKAQR / QR & merchant payments

    • QR payments compatible with LANKAQR and local merchant acceptance for convenient everyday payments.
  7. Real-time notifications & alerts

    • Push/SMS/email alerts for transactions, low balance, large withdrawals, and suspicious activity.
  8. Easy biller directory & scheduled payments

    • Save billers, schedule recurring payments and manage standing instructions.
  9. Account overview & statements

    • Consolidated view of all accounts, e-statements (downloadable PDF), and easy reconciliation for multiple accounts.
  10. Cardless ATM withdrawals & QR cash-out

    • Withdraw cash securely from ATMs using app-generated codes or QR where supported.
  11. Loans, deposits & investment access

    • Apply for personal loans, overdrafts, term deposits or fixed deposits, and view interest rates and maturity details in-app.
  12. Convenience features & budgeting tools

    • Spending categorization, budget trackers, savings goals, and transaction search/filter to manage finances.
  13. Low-data and offline resilience

    • Lightweight screens and basic functions that work on low bandwidth or intermittent connections.
  14. In-app customer support & dispute resolution

    • Live chat, secure messaging, video/voice support, quick dispute/chargeback initiation and ticket tracking.
  15. KYC / onboarding & digital services

    • Smooth account opening, digital document upload, e-signatures, video KYC and FAST verification.
  16. ATM/branch locator & working hours

    • Map-based search and directions, plus branch/agent contact details.
  17. Accessibility & usability

    • Large-font mode, screen-reader compatibility, clear layouts — important for broad adoption.
  18. Frequent updates & good app-store ratings

    • Active maintenance (security patches, new features) and positive user reviews indicate reliability.
  19. Permission transparency & minimal intrusive permissions

    • The app should only request necessary permissions (camera for cheque deposit, location for ATM locator, etc.) and explain why.
  20. Regulatory compliance & insurance

    • Clear statements of deposit insurance coverage (where applicable) and compliance with Central Bank of Sri Lanka rules.

How to evaluate quickly

  • Check app-store reviews and recent update history.
  • Verify language options, biometric login, LANKAQR and LankaPay/FAST support.
  • Test basic flows: login, balance check, a small transfer, bill payment and card block/unblock.

If you want, I can tailor this checklist to a specific bank or your needs (personal, business, frequent traveller).

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Rank
Brand
Topic
LLM
Sentiment
1
🥇

LANKAQR

50%
80%
70%
0%
Neutral
2
🥈

LankaPay

32%
95%
0%
0%
Neutral
3
🥉

Bank of Ceylon

32%
0%
0%
95%
Neutral
4

FAST

30%
90%
0%
0%
Neutral
5

Commercial Bank

30%
0%
0%
90%
Neutral
6

SWIFT

28%
85%
0%
0%
Neutral
7

HNB

28%
0%
0%
85%
Neutral
8

BOC Flex

28%
0%
85%
0%
Neutral
9

Sampath Bank

27%
0%
0%
80%
Neutral
10

FriMi

27%
0%
80%
0%
Neutral
11

CEB

25%
75%
0%
0%
Neutral
12

People’s Bank

25%
0%
0%
75%
Neutral
13

People's Wave

25%
0%
75%
0%
Neutral
14

NWSDB

23%
70%
0%
0%
Neutral
15

NDB Bank

23%
0%
0%
70%
Neutral
Domain
Title
LLM
URL
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Gemini
softices.com
Gemini
neontri.com
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