FriMi

FriMi is a digital banking application developed by Nations Trust Bank, designed to provide users with a seamless experience for managing their finances. This app integrates various banking functions, including savings and payments, all within a single platform. Users can download FriMi on the Android platform to access a diverse range of features that cater to their financial needs.

The onboarding process for FriMi is designed to be straightforward and user-friendly. Users can sign up using their smartphones without needing to visit a physical bank branch. This feature enhances convenience, allowing individuals to quickly get started with their digital banking journey.

Once registered, users can easily add and manage their Nations Trust Bank accounts and linked cards within the app. FriMi also allows users to incorporate accounts from other banks, enabling a comprehensive view of their financial situation from one application. The app supports multiple languages, offering a trilingual interface in Sinhala, Tamil, and English, ensuring accessibility for a wider audience.

Customization options are available within the app, enabling users to personalize their home screen. Users can rearrange, add, or remove widgets, tailoring their experience to fit their preferences. For those who need to transfer funds, FriMi supports swift transactions to any bank account anytime and anywhere, facilitating easy money management.

Utility bill payments and credit card dues can also be managed through FriMi. The app features a bill presentment option, allowing users to view their outstanding dues from partner billers without waiting for physical bills to arrive. This feature simplifies the process of staying up-to-date with payments.

FriMi encompasses a scheduling function that allows users to set up future payments and fund transfers. This capability includes a "Pay Later" option, making it easier for individuals to manage their financial commitments proactively. Users can also mark frequent payments and transfers as favorites, providing quick access to their most commonly used functions.

For online transactions, FriMi offers the option to request a virtual debit card or a physical debit Mastercard. This versatility means that users can make payments both online and offline, enhancing the overall usability of the app. The app also includes features aimed at savings management, such as Savings Pots, Round Up, Bucketlist, and Digital Fixed Deposits, helping users tailor their savings strategies effectively.

The app offers a dark mode option, allowing users to switch to a visually appealing theme that can reduce eye strain in low-light conditions. In addition, FriMi includes personal finance management tools that support users in tracking their spending and budgeting, promoting better financial health.

Payment options in FriMi extend to QR code payments at LANKAQR-enabled merchants. Users can access these payments with a simple swipe to the right on their home screen. This function provides a modern and efficient way to settle transactions in person. Users have the flexibility to make payments using their FriMi account, linked bank accounts, or credit cards, providing multiple avenues for completing transactions.

The app also facilitates easy splitting of bills among friends, whether the division is equal or uneven. This feature is particularly useful for group outings or shared expenses, simplifying the process of managing shared finances. Additionally, FriMi introduces gifting features that allow users to send cash or gift vouchers to their loved ones from partner merchants, adding a personal touch to financial transactions.

Entrepreneurs can benefit from the 'My QR' feature within the app, enabling them to accept payments easily from any FriMi user or LANKAQR-enabled payment app. This function allows users to run small businesses or engage in informal sales with minimal hassle.

Security is a central focus of FriMi, which employs a robust security framework. Enhanced biometric options are available for user authentication, and users can instantly block or unblock their cards and set transaction limits, ensuring a secure banking experience.

Through its in-app marketplace, FriMi Lifestyle Services, users have access to a variety of services, including e-channeling, grocery shopping, and concierge services. This feature broadens the scope of the app, transforming it into a comprehensive lifestyle tool that extends beyond traditional banking functions.

The combination of these features positions FriMi as a leading choice for individuals seeking a modern banking experience in Sri Lanka. The app's focus on convenience, customization, and security caters to a diverse user base, making financial management accessible and efficient for everyone. By integrating banking, saving, and payment functionalities, FriMi simplifies the way users interact with their finances, promoting financial freedom and control.