A Year of Exceptional Digital Growth

FY 2025/26 marked a breakthrough year for LB CIM, the flagship digital lifestyle and financial platform of LB Finance PLC, delivering exceptional growth, industry-leading innovations, and significant contributions to Sri Lanka’s digital financial ecosystem.

During the year, LB CIM processed transactions exceeding LKR 300 billion, achieving an impressive 173% growth in transaction value compared to the previous financial year. Transaction volumes surpassed 6 million, reflecting a 55% increase in customer activity and engagement across the platform.

The platform facilitated over LKR 176 billion in Gold Loan Top-Ups, LKR 74 billion in Fund Transfers, and LKR 14.6 billion in JustPay Top-Ups. Customers also completed more than 780,000 bill payments, while digital investments through savings and fixed deposits exceeded LKR 14 billion.

Growing Customer Adoption and Ecosystem Reach

Customer adoption continued to accelerate, with more than 129,000 new users joining the platform during the year, taking total downloads beyond 800,000, representing a 56% increase compared to the previous year.

This sustained growth reflects increasing customer trust in LB CIM as a single platform for payments, lending, investments, and everyday lifestyle services.

Driving Innovation Through Industry-First Solutions

Innovation remained a cornerstone of LB CIM’s success. During FY 2025/26, LB CIM became the first Non-Banking Financial Institution in Sri Lanka to launch a Virtual Debit Card and the first local mobile application to introduce Tap-to-Pay contactless payment functionality.

The platform also introduced cross-border transaction capabilities and a fully AI-powered personal loan journey, further strengthening its position as a leader in Sri Lanka’s digital financial services landscape.

Enhancing Everyday Customer Experiences

LB CIM continued to expand its lifestyle and convenience offerings through the introduction of Dark Mode, enhanced GovPay services, doctor channeling, education payments, e-gifting facilities, and customer referral programs.

These enhancements further transformed LB CIM into a comprehensive digital lifestyle platform designed to support customers’ everyday financial and lifestyle needs.

Strategic Partnerships for Future Growth

The year also saw the establishment of a strategic partnership with UnionPay, strengthening LB CIM’s ability to deliver globally aligned payment solutions and enhanced customer experiences.

Such collaborations continue to expand the platform’s capabilities while creating greater value for customers and partners alike.

National Recognition for Digital Excellence

LB CIM’s achievements were recognized at the LankaPay Technnovation Awards 2026, where LB Finance and LB CIM secured multiple accolades, including:

• Gold Award – Most Popular Digital Payment Solution
• Gold Award – Best Institution for Financial Inclusivity (NBFI)
• Gold Award – Best Institution for Excellence in Customer Convenience (NBFI)
• Silver Award – Overall Excellence in Digital Payments (NBFI)

These awards reflect the organization’s commitment to innovation, customer convenience, and financial inclusion.

Leadership Behind the Transformation

The success of LB CIM has been driven by the visionary leadership and continuous support of the Board of Directors of LB Finance PLC, whose commitment to digital transformation and innovation has enabled the organization to pursue ambitious growth initiatives and strengthen its position within Sri Lanka’s financial services sector.

The transformation was spearheaded by Janaka Ekanayake, Head of Digital Business, together with a dedicated team of professionals and strategic partners who collectively drove customer growth, technological innovation, and ecosystem expansion.

Looking Ahead

As LB CIM continues its growth journey, FY 2025/26 stands as a landmark year that demonstrated the power of innovation, collaboration, and customer-centric transformation.

With a rapidly growing customer base, expanding ecosystem, and ambitious innovation roadmap, LB CIM remains committed to delivering secure, convenient, and future-ready digital financial solutions while supporting Sri Lanka’s transition towards a digitally empowered economy.