Genie

Features Genie

genie: Your All-in-One Financial AppTake control of your finances with Genie, the convenient and secure mobile app from Dialog Axiata PLC the leading Telco in Sri Lanka with a 70% market share in the Colombo stock exchange, licensed and regulated by the Telecommunications Regulation Commission of Sri Lanka (www.trc.gov.lk).
Savings, Fixed deposits, Payments & Lending products on the Genie App are provided by Dialog Finance PLC a subsidiary of Dialog Axiata PLC.
Dialog Finance PLC is a public quoted entity, which is a financial institution licensed (https://bit.ly/DF-CBSL-License) and regulated by the Central Bank of Sri Lanka (www.CBSL.gov.lk) under act No.
42 of 2011.
And Dialog Finance PLC carries the Fitch rate AA(LKA).Manage your money on the go:• Make secure contactless payments: Scan & Pay at any LANKAQR-enabled merchant using your linked bank accounts or eZ Cash wallet.• Open a digital savings account: Start saving for your goals with our easy-to-open and manage digital savings account.• Get a Mastercard you control: Freeze your card, set spending limits, and manage your account directly within the app.• Invest for your future: Create goal-based savings accounts and fixed deposits, invest in stocks or mutual funds, and manage your portfolio conveniently.• Pay bills easily: Pay over 90+ billers quickly and securely in one go.• Manage your eZ Cash wallet: Send and receive money, top up your wallet, and access various mobile money transactions.• Common to all loan products facilitate on genie: Term of the Loan: From 90 days (3 months) to 5 yearsAnnual Percentage Rate (APR) / Interest Rate: Quick Loan/Lesi Pay: from a Minimum 25% p.a to a Maximum of 49% p.a (based on Sri Lanka’s market rate, cost of deposits, customer’s risk profile, collateral & term of product).
Loan against Fixed deposits: Fixed Deposit Rate + 2.5% p.a Processing Fee: One-off fee ranges from 0.5% to 5% based on the loan type.Sample Calculation: All loans are calculated using the standard Equal Monthly Installment calculation method.Loan Amount - LKR 50,000Loan Tenor - 180 daysLoan interest rate - 25% p.aMonthly Installment payment - LKR 8,951.41Total cost of the loan is LKR 56,208.00 made of LKR 50,000 (Principal) + LKR 3,708.46 (Total interest payment) + LKR 2,500 (Processing Fee at 5%)Security and Trust:• Advanced Encryption: Provides cutting-edge encryption protocols to safeguard sensitive data, ensuring all personal information and financial transactions are securely protected from unauthorized access.• Biometric Authentication: Enjoy added convenience and security with biometric authentication options such as fingerprint and facial recognition, providing seamless yet highly secure access to your Genie account.• Two-Factor Authentication: Enhance account security with our robust two-factor authentication system, bolstering user identity verification with an additional layer of protection.• Fraud Prevention: Our platform utilizes advanced fraud detection algorithms and real-time monitoring to proactively safeguard user accounts and transactions against potentially fraudulent activities.• Ongoing Security Audits: The app conducts regular security audits and assessments to identify and address any vulnerabilities, maintaining the highest standards of data security and privacy.• Compliance Standards: We adhere strictly to industry regulations such as MBSS, PCI DSS, and local law under the Personal Data Protection Act, No.
9 of 2022, reflecting our commitment to ensuring the utmost protection of data and privacy.• Dedicated Support: Our customer support team is available round-the-clock to address any security-related inquiries or concerns, providing prompt assistance and ensuring a seamless user experience.Disclaimer:• Loan products on Genie are subject to eligibility criteria and terms and conditions.Download Genie today and experience the power of financial management at your fingertips!