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).