Análisis de la app Dialog Pay para 9 de octubre

Dialog Pay: Your All-in-One Financial App Take control of your finances with Dialog Pay, 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 Regulatory Commission of Sri Lanka (www.trc.gov.lk). Savings, Fixed Deposits, Payments & Lending products on the Dialog Pay App are provided by Dialog Finance PLC, a subsidiary of Dialog Axiata PLC. Dialog Finance PLC is a public quoted entity and 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. Dialog Finance PLC carries a Fitch Rating of 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 debit card 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 facilitated on Dialog Pay: 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 up 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 Dialog Pay 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 Dialog Pay are subject to eligibility criteria and terms and conditions. Download Dialog Pay today and experience the power of financial management at your fingertips!