A Rookie’s Guide To Banking App Testing

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The banking industry is fraught with risks and must take advantage of innovative technologies to drive operations. Banks must strive to achieve progress while providing a stable application with advanced features. While its customers prefer stable operations, the banking industry must ensure adequate security safeguards to prevent data breaches. So, is there any way out for banks as they seek to attain robust operational workflows? The answer lies in this guide to banking application testing.

How can you do banking domain testing?

Banking applications are feature-rich and have mission-critical processes. It requires advanced testing processes covering security, database, performance, compatibility, and application functions. Let us now discuss the steps involved in banking application testing.

Requirement analysis:

It is the first stage in the testing process. The testing team must conduct adequate research, and QA specialists must be aware of the latest banking technologies. The team must also understand the industry standards and compliance.

Finalizing the Test Plan:

Your team must formalize the test plan. The team must assess all the requirements that the activity will determine. Apart from the scope of the testing activities, the testing environment, tools, roles and responsibilities of the team members, etc., must be included in the test plan.

Preparing the Test Cases:

The banking domain testing experts must prepare the test suite to cover the test cases covering all modules. All the scenarios, cutting across user experience, performance, security, functionalities, must be covered. All relevant banking domain scenarios, like savings accounts, current accounts, deposits, money markets, loans, etc., must be considered.

Functional Testing:

After creating the test cases, the testing team will undertake functional testing to confirm whether the features are acting per the functional specifications. 

Few test cases:

  1. Validate the login function by using valid and invalid credentials
  2. Verify whether we can create new roles by replicating with available data and with valid or invalid data. 
  3. Assess whether we can delete the roles without any dependencies.
  4. Check whether a new branch can be created by replicating data from an existing branch.
  5. Analyze if we can send messages.
  6. Check if we can carry out support requests.
  7. Assess whether you update branch data using valid and invalid data.
  8. Validate if the balance is getting updated after a credit or withdrawal. Also, check if regular payments can be made and saved at pre-set times.

Database Testing:

Banks must store the customer demographics and financial information with adequate safeguards. The outcome will ascertain whether the application can readily retrieve and store data from the database while ensuring data integrity is intact. The testers must verify that only authorized users are allowed access and prevent any mismatch in the system.

Few test cases:

  1. Validate if the data fields are in the correct format.
  2. Analyze if the values obtained after calculations of different fields are correct.
  3. Validate if there are any duplicate values in the tables.
  4. Assess database backup and check if previous data remains unaltered if any function fails.
  5. Check whether the tables have a unique index, primary key, and secondary keys.
  6. Assess if null values are accepted where they should not and check for duplicate values.

Security Testing:

In this stage, the testers test the application’s ability to thwart data breaches. Testers must check whether only authorized users are allowed entry into the application. Through this activity, the testers assure that the application does not have any vulnerabilities that can expose it to hacker attacks.

Few test cases:

  • Use the “Forgot password” feature and check if it is working correctly.
  • Assess the encryption of the user credentials and check if the password is strong.
  • Validate if the user logs out after a predetermined period of inactivity.
  • Assess how the application behaves to cache clearing.
  • Check how the applications respond to several invalid logins.

Few other testing methods in the QA for banking apps

Usability testing:

Testers have to test banking application must be tested to ensure it has a simple but efficient design. It helps users of varied website usability skills to take benefits from the application.

Few test cases:

  • Assess if all the visual components are designed with similar styles.
  • Check if the terms are named the same on all pages (Like Recurring Deposits, Outstanding Balance, etc.)
  • Validate if the error messages can be understood.
  • Analyze if the workflows are intuitive.

Integration Testing:

Developers may integrate the application with several modules to guarantee a smooth workflow for customers. Integration testing integrates all the various modules and validates whether they are working as desired.

User Acceptance Testing:

The testers must confirm whether the application complies with the relevant real-world scenarios. You can use various UAT Management tools to carry out this activity.

Points to note during mobile banking application testing

Studies show that the use of smartphones is growing at a scorching pace. The high-end users will expect to access their banking accounts through their hand-held devices. We will delve into detail about some of the factors to consider when testing banking apps.

Addressing any UI/ UX issues

A great experience while using the app will lead to customer satisfaction. Usability tests can ensure that all the components are functioning as desired. Testers can use heat maps to ascertain user behavior while using the app. 

Testers must also consider the aspect of compatibility of multiple devices. They must fix any inconsistencies in functionality, fonts, and images, features, etc. The app can be run on emulators and assess compatibility issues that can arise across multiple devices.

Assessing performance levels

Testers must address the peculiarities of QA for banking apps by putting the system to various loads and assessing its stability. Testers must undertake stress testing to ascertain its maximum capacity. Spike testing can check the application behavior during load spikes.

Mobile banking application testing procedures must adhere to the various regulations and compliances applicable in different countries. Specialized QA testers can help to ensure that the mobile banking apps cater to the local rules.

Ensuring data security

Banking apps are required to collect vast amounts of customer data. Please do note that the bank’s reputation will be at stake in the event of a data breach. Testers must ensure the app is encrypted as per advanced standards like AES-256. 

The mobile banking app must also undertake vulnerability testing to discover any gaps that hackers could exploit. Always do penetration testing before release and while customers are using it. Ensure a secure connection between the bank’s servers and the user devices.

Highlight variances in test plans

There are bound to be differences in functionalities between the test and the production environments. In a test environment, the files are transferred manually and may not detect various issues. In the production environment, the bugs like delays in file transfer, transfer of duplicate files, etc., can get noticed. Testers must consider the variances that may exist between both environments. It can help to mitigate risks that may pop up later and lead to customer dissatisfaction.

Get the correct test data

Various countries have specific regulations that banks must follow to protect the personal data of customers. Testers must factor in the banking regulations in the use cases. It is equally essential to merge data masking with synthetic data creation. 

The testers must warrant testing across several devices with varying screen resolutions for comprehensive mobile banking application testing. The screen layout should remain intact with varying data sets.

Conclusion:

Banks are looking forward to creating an excellent baking experience for their customers. As they are trying to reduce pressure on their employees, they emphasize their web and mobile applications. They must deploy QA for banking apps that can do thorough testing of the applications before going live. The applications must address the customers’ needs and provide them with the necessary information when required.

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