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Innovation, Intelligence, and Inclusive Transformation
DFCC Bank continues to lead with purpose-driven innovation, leveraging technology to offer secure, seamless, and customer-focused financial experiences. This is in line with the global shift towards digitisation. Digital transformation goes beyond being simply a delivery channel. It is a core strategic pillar of our long-term vision. In 2025, we accelerated this journey by synergistically integrating advanced digital capabilities with robust security and inclusive design. This achievement garnered national recognition for our leadership in digital banking and financial inclusion.
- Comprehensive DFCC One super app capabilities, including onboarding, investments, lending, and payments
- Expansion of the automated teller machine (ATM)/customer relationship management (CRM) network at key tourism and transit locations
- 24/7 monitored self-service banking centres improving uptime and reliability
- Digital deposits exceeding 70% of total deposits
- Over 70% of cheque deposits migrated to self-service terminals across 40+ locations
- Generative artificial intelligence (AI) mobile capabilities under development for launch in 2026
- Real-time alerts and eStatements enhancing security and sustainability
- Increased customer adoption through targeted digital engagement campaigns
Digital Milestones
In 2025, DFCC Bank significantly strengthened its digital leadership by enhancing DFCC One into a comprehensive, everyday financial platform delivering seamless access to investments, digital onboarding, lending, bill payments, Common Electronic Fund Transfer Switch (CEFTS) transfers, ePassbook functionality, biometric authentication, and real-time alerts. The Bank expanded accessibility through ATM and Cash Recycler Machine deployments at strategic travel and lifestyle locations, such as Bandaranaike International Airport, Kandy, Hiriketiya, and Dikwella, while introducing 24/7 monitored self-service centres to improve service reliability and turnaround times. Digital cheque deposit capability was extended to over 40 locations, successfully migrating more than 70% of cheque deposits from counters to terminals, and digital deposits surpassed 70% of total deposits supported by CRM enablement beyond branch hours. The Bank also advanced its AI roadmap by initiating Generative AI-powered mobile experiences scheduled for launch in the first quarter of 2026, alongside targeted campaigns positioning DFCC One as the primary banking engagement channel. Enhanced transparency and security were achieved through real-time transaction notifications and wider eStatement adoption, supporting sustainability goals. Collectively, investments in core digital infrastructure, intelligent systems, and multi-channel platforms improved scalability, operational efficiency, and customer convenience, firmly reinforcing DFCC Bank’s position as a leading digital bank in Sri Lanka.
Built for business, iConnect 2.0 brought a unified digital experience to corporate and small and medium-sized enterprise (SME) clients. Real-time payments, trade finance, supply chain management, Enterprise Resource Planning (ERP) integrations, and liquidity oversight are now consolidated into a single, streamlined platform.
DFCC joined forces with Aurionpro Solutions to unlock the potential of predictive and generative AI, sharpening customer insights, personalisation, and decision-making. A partnership with Sri Lanka Telecom (SLT) reinforced information technology (IT) infrastructure resilience, ensuring uninterrupted service delivery across all channels.
Network, server, and backend upgrades delivered a tangible performance boost. Reduced latency and strengthened multi-channel capabilities ensured seamless digital experiences whether at a branch or online.
Back-office automation expanded significantly, while advanced analytics frameworks provided real-time insights. This resulted in proactive risk management and more personalised customer interactions, driven by data.
These efforts translated into clear, measurable outcomes — significant growth in mobile and online transactions, elevated back-office efficiency through automation and analytics, and stronger customer satisfaction and engagement across the board.
Cyber Resilience
In 2025, DFCC Bank reinforced its commitment to cyber resilience and information security amidst an increasingly complex and evolving threat landscape. A multi-layered security framework was deployed to safeguard customer data and ensure the integrity of operations across all digital and physical touchpoints. This included upgrading firewalls and intrusion detection systems, and implementing advanced anomaly monitoring tools to strengthen early threat detection.
Multi-factor authentication, including biometric verification, was extended across all digital platforms such as DFCC ONE, enhancing secure and convenient access for users. The Bank also conducted regular vulnerability assessments, penetration testing, and compliance audits to ensure adherence to evolving regulatory and global security standards.
These efforts were overseen by senior IT and risk governance committees, embedding security by design into every digital initiative and reinforcing DFCC Bank’s reputation as a trusted and secure financial partner.
Information Security
Information security remained a core pillar of DFCC Bank’s digital strategy in 2025. The Bank strengthened access controls and real-time monitoring across all digital touchpoints, reinforced cyber awareness through comprehensive employee training via its e-learning platforms, and continuously enhanced endpoint and network security to combat emerging threats.
Together, these measures ensured the protection of customer data, safeguarded system integrity, and reinforced operational resilience throughout the year.
Legacy System Integration
As DFCC Bank advanced its digital transformation, careful attention was given to addressing legacy system integration challenges. In 2025, the Bank adopted a structured approach that included the use of middleware solutions and phased implementation to enable seamless integration while minimising service disruptions.
Core banking systems were prioritised for upgrades to support enhanced digital capabilities, complemented by rigorous compatibility and stability testing at every stage of deployment. This approach enabled DFCC Bank to introduce modern digital tools and functionalities without compromising the reliability and continuity of existing systems.
Mobile and Internet Banking Developments
DFCC Bank made substantial advancements across its digital banking platforms, focused on enhancing convenience, security, and user control. Payment capabilities were expanded to include bill settlements, peer-to-peer transfers, and merchant transactions, supported by seamless CEFTS integration. The user interface was further refined for intuitive navigation and responsiveness, while backend systems were upgraded to improve processing speed and minimise latency.
Network infrastructure enhancements ensured stronger connectivity across all service points, and the Bank’s Application Programming Interface (API) frameworks were expanded to support deeper integration with partners, paving the way for a more connected, future-ready digital ecosystem.
Advanced Technologies
The year 2025 marked significant progress in integrating intelligent technologies to drive efficiency, insights, and customer value.
| Process Automation (RPA) | Predictive Analytics |
|---|---|
| Phased integration of Robotic Process Automation (RPA) to streamline repetitive tasks, reduce manual errors, and accelerate processing times across back-office operations. | Advanced analytics frameworks enabling real-time insights, proactive risk management, and data-driven decision-making aligned with strategic objectives. |
Digital Future
Looking ahead, DFCC Bank remains firmly focused on advancing its digital journey with a clear, future-ready vision to deliver secure, seamless, and personalised banking experiences that proactively anticipate customer needs.
Our strategy is anchored in three core pillars.
| Cloud Innovation | AI Excellence | Ecosystem Integration |
|---|---|---|
| Cloud-enabled services delivering greater agility, scalability, and cost efficiency | AI/machine learning (ML)-powered predictive analytics and hyper-personalisation | Expanded API ecosystems fostering seamless fintech partnerships |
Backed by continued investments in technology, data-driven innovation, and sound governance, the Bank is well placed to lead Sri Lanka’s financial services sector into a digital-first era.
As we step into 2026 and beyond, our digital transformation is not only about adopting new technologies, but it is also about reimagining every customer interaction to deliver superior value, convenience, and trust. Through this vision, DFCC Bank reaffirms its commitment to shaping the future of banking in Sri Lanka and delivering enhanced value to its customers.