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Everyone

Dialog Axiata.

Nougat

genie: Your All-in-One Financial App
Take 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 years
Annual 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 50,000
Loan Tenor - 180 days
Loan interest rate - 25% p.a
Monthly Installment payment - LKR 8,951.41
Total 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!

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