Here are the top mobile apps and digital platforms SMEs in Sri Lanka commonly choose — with why they’re recommended and what kinds of businesses they suit best. I pulled recent local reporting and industry sources to identify platforms that emphasize business features (multi‑user access, approvals, collections, QR/POS, settlements and trade/working‑capital support).

Top picks for SME banking in Sri Lanka

1. NDB — NEOS / NEOS BIZ (NDB Bank)

• Why: NDB’s NEOS platform is explicitly positioned for businesses and SMEs: it supports business workflows (multiple users, maker‑checker approvals), collections, trade and cash‑management features. NDB has been recognized in industry awards for SME digital banking. (brandradar.org)

2. HNB — SOLO / HNB Digital (Hatton National Bank)

• Why: HNB markets SOLO and its HNB Digital channels for merchants and small businesses (LANKAQR acceptance, merchant payments, simplified onboarding for merchant accounts). HNB has invested heavily in revamps of its digital offering. Good for merchants wanting integrated LANKAQR/merchant features with bank settlement. (Marx.lk)

3. Commercial Bank of Ceylon — ComBank Digital (and commercial/business modules)

• Why: Commercial Bank’s mobile platform is consistently cited among Sri Lanka’s top consumer/business banking apps and is a good all‑round option for SMEs needing reliable payments, payroll and collections. ComBank has won local “best mobile banking app” recognition. (brandradar.org)

4. People’s Bank — People’s Wave / People’s Pay

• Why: Very large user base and strong national reach (useful for payroll, collections and payment acceptance). Good where mass adoption and government payment integrations matter. People’s Bank focuses on inclusion and wide acceptance. (brandradar.org)

5. FriMi (Nations Trust Bank)

• Why: FriMi is a full digital banking app (by Nations Trust) that supports payments, collections, wallets and merchant features; positioned as a digital‑first option useful for small merchants and SMEs that want easy digital onboarding. (brandradar.org)

6. Sampath Bank — Sampath Vishwa (plus WePay wallet)

• Why: Sampath’s app and WePay wallet are widely used for merchant QR payments, card linking and general retail payments; useful for businesses focused on in‑store and online payments. Note: some user reports mention occasional reliability issues after updates — check recent reviews before onboarding at scale. (brandradar.org)

7. DFCC, Seylan, Amana, Cargills, NDB/Commercial bank merchant apps and fintech aggregators (Marx, Q+, CIM, iPay, etc.)

• Why: Several banks and fintech merchant apps specialize in LANKAQR / POS acceptance and low‑cost settlement — useful if your SME’s priority is point‑of‑sale acceptance and fast settlement (Marx, Q+, CIM and bank merchant apps are widely used). Government GovPay also integrates with many bank apps for paying public services. (Marx.lk)

How to choose the best app for your SME (quick checklist)

• Multi‑user & approvals: needed if you have finance staff (look for maker‑checker / role permissions — NEOS BIZ, bank business modules). (brandradar.org)
• Collections & merchant acceptance: LANKAQR, POS and settlement speed (Marx, Q+, bank merchant apps). (Marx.lk)
• Payroll & bulk payments: confirm batch/CSV payroll, salary account integration (Commercial Bank, NDB, People’s Bank typically support these). (brandradar.org)
• Trade finance / working capital: required for import/export SMEs — check whether the bank’s business platform supports trade/LC workflows (NDB/NEOS is strong here). (brandradar.org)
• Reliability & support: check recent app‑store ratings and user reviews — some apps have had intermittent outages reported by users. (reddit.com)

If you want, I can:

• Pull current Google Play and Apple App Store ratings + latest user review highlights for 3–5 specific apps (e.g., NDB NEOS BIZ, HNB SOLO, ComBank Digital, People’s Wave, Sampath Vishwa). This would show app stability and recent user issues.
• Do a side‑by‑side feature comparison (fees, onboarding, payroll, maker‑checker, LANKAQR/merchant, settlement times) for up to four apps.

Which follow‑up would you prefer?