Genie: Your All-in-One Financial Companion

In a world where managing finances can often feel overwhelming, Genie steps in as your ultimate financial assistant. This innovative mobile application, developed by Dialog Axiata PLC, the leading telecommunications company in Sri Lanka with a significant presence in the Colombo Stock Exchange, offers an all-encompassing solution for your financial needs. Whether you're looking to save, invest, or manage everyday expenses, Genie provides a secure and seamless way to take control of your financial life.

At the heart of Genie lies Dialog Finance PLC, a trusted subsidiary of Dialog Axiata PLC, which ensures that all financial services offered—such as savings, fixed deposits, payments, and lending—are handled by a reputable institution. As a publicly quoted entity, Dialog Finance PLC operates under the strict guidelines of the Central Bank of Sri Lanka and holds a credit rating of AA(LKA) from Fitch Ratings. This combination of reliability and regulatory compliance makes Genie not only a convenient but also a safe option for managing your finances.

With Genie, managing your money has never been easier. The app allows you to make secure contactless payments through its integrated LANKAQR feature, enabling you to scan and pay at any merchant supporting this technology. Whether you're paying bills for utilities, subscriptions, or other services, Genie supports over 90+ billers in one simple transaction. Additionally, users can open a digital savings account tailored to their specific financial goals, offering flexibility and ease of access without the need to visit a physical branch.

For those who prefer more tangible financial tools, Genie also provides a Mastercard that you can fully control via the app. Features like freezing your card, setting spending limits, and managing your account directly within the app ensure that you remain in charge of your financial decisions. Investing in your future becomes effortless with Genie's goal-based savings accounts, fixed deposits, stock investments, and mutual fund options—all accessible from your smartphone.

Beyond traditional banking features, Genie simplifies everyday transactions by integrating an eZ Cash wallet. This feature allows you to send and receive money, top up your wallet, and perform various mobile money transactions with ease. Whether you're splitting bills with friends or making small purchases, the eZ Cash wallet keeps things simple and efficient.

When it comes to borrowing, Genie offers flexible loan products designed to meet diverse needs. Loans range from short-term loans with terms as short as 90 days to longer-term loans spanning up to five years. Interest rates vary depending on the type of loan and individual circumstances, starting from a minimum of 25% per annum to a maximum of 49%. For loans secured against fixed deposits, the interest rate is typically set at the fixed deposit rate plus an additional 2.5%. Processing fees are also transparent, ranging between 0.5% and 5%, depending on the loan type.

Security is paramount when dealing with sensitive financial data, and Genie leaves no stone unturned. The app employs advanced encryption protocols to protect your personal information and financial transactions. Users benefit from biometric authentication methods like fingerprint and facial recognition, offering both convenience and heightened security. Two-factor authentication adds another layer of protection, while sophisticated fraud detection algorithms monitor transactions in real time to prevent potential threats. Regular security audits ensure that any vulnerabilities are promptly addressed, maintaining the highest standards of privacy and safety.

Compliance with industry regulations is equally important, and Genie adheres to standards such as MBSS, PCI DSS, and the Personal Data Protection Act of Sri Lanka. A dedicated support team is available around the clock to assist users with any security concerns or queries, fostering trust and confidence in the platform.

In conclusion, Genie represents more than just an app—it’s a comprehensive solution designed to empower individuals in managing their finances effectively. By combining cutting-edge technology with robust security measures, Genie empowers users to achieve financial stability and peace of mind. Download Genie today and unlock a world of possibilities for your financial future!