Here’s a concise summary of the main digital banking features available from Sri Lankan banks today, with examples of how local banks implement them.

Common digital banking features

• Digital account opening / e-KYC: open accounts remotely using electronic KYC (ID verification, face/biometric checks, digital signatures). Example: People’s Bank’s “People’s Wiz” / eZE accounts enable real-time digital onboarding. (lankanewsweb.net)
• Mobile banking apps (personal + business): view balances, transfer funds, pay bills, manage cards, view e-statements, apply for products. Banks offer user dashboards, savings goals and in‑app financial tools. (thedigitalbanker.com)
• Internet banking / corporate portals: web portals for individuals and businesses with multi-user access, bulk payments, RTGS/CHAPS-like high‑value transfers, payroll and multicurrency support. (combank2024.annualreports.lk)
• Biometric and passwordless authentication: fingerprint/face login, device binding and strong multi-factor authentication (OTP, tokens) to secure access. (boc.lk)
• Card management features: activate/lock/unlock cards, set transaction limits, request replacements and view card statements in-app. (combank2024.annualreports.lk)
• QR and contactless payments (LankaQR / merchant modules): consumer apps and merchant modules supporting QR payments, contactless and in-store acceptance. (AnyBanQ.lk)
• P2P and scheduled transfers: instant person-to-person transfers, scheduled/recurring payments and intra-bank + interbank transfers. (boc.lk)
• Cardless cash withdrawals / ATM tokenization: cash withdrawals using app-generated codes or QR without a physical card. (lankanewsweb.net)
• Digital lending and instant loans: simplified loan applications and some instant loan disbursements through apps, including loans against deposits. (boc.lk)
• e-Statements / document portals: interactive e-statements, tax certificates, and downloadable documents available 24/7. (combank2024.annualreports.lk)
• Merchant services / payment gateways: merchant apps, invoicing, POS integration and payment gateway services for SMEs. (AnyBanQ.lk)
• Financial management tools: built-in expense trackers, savings goals, alerts and personalized dashboards. (boc.lk)
• Accessibility & localization: trilingual (Sinhala, Tamil, English) interfaces and simplified UIs for rural users. (combank2024.annualreports.lk)
• Data-free / zero-rated access initiatives: telco partnerships that allow customers to access bank apps/websites without incurring mobile-data charges. Example: HNB’s “Data Freedom” initiative with SLT-Mobitel. (hnb.net)

Examples from specific Sri Lankan banks (illustrative)

• Bank of Ceylon (BOC): BOC Flex mobile app with self-registration, biometric login, in-app account and FD opening, instant loan features, scheduled transfers and financial tools. (boc.lk)
• People’s Bank: People’s Wave mobile app, People’s Web internet banking, People’s Pay wallet and People’s Wiz / eZE digital onboarding; strong focus on digital volumes and merchant QR acceptance. (AnyBanQ.lk)
• Commercial Bank of Ceylon (ComBank): ComBank Digital mobile & web, Q+ payment app, multilingual UX, digital account opening, eFD/eSavings, corporate bulk payments and virtual document services. (combank2024.annualreports.lk)
• HNB: digital apps (SOLO/Digital Banking), toll‑free “Data Freedom” access for digital platforms and merchant apps for SMEs. (hnb.net)

How Sri Lanka’s digital banking landscape stands out

• Rapid digital onboarding and wide adoption of QR (LankaQR) have accelerated financial inclusion. Several banks report large transaction volumes and high numbers of digital registrations. (AnyBanQ.lk)
• Banks combine consumer-facing features (expense trackers, savings objectives) with robust corporate solutions (bulk RTGS, multi-user admin), making digital offerings broad across segments. (combank2024.annualreports.lk)

If you want, I can:

• Compare feature sets of specific banks you care about (e.g., HNB vs ComBank vs People’s Bank vs BOC).
• Produce a checklist to evaluate a bank app (security, onboarding, payments, merchant support, developer APIs).

Which would you prefer?