Banking Application Testing Can Be Disastrous If You Don’t Focus On These 5 Areas

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Introduction To Banking Application Testing

We live in a digital age when everything we need is literary at our fingertips. With recent innovations and advancements in technology, the banking industry is also going through digital evolution. But the complexities tangled in the functioning of a banking application and the amount of crucial data these apps are holding made these apps the most advanced and complex enterprise solution. Customers, through these applications, can make all types of transactions like paying bills, making deposits, investing, transferring funds, balance verification, etc.,

Customers are also sharing their crucial personal and financial data to access these banking applications. This calls for the need to test the banking applications under various test environments to deliver a high performance that meets customer’s requirements. Furthermore, banks need to develop a robust reporting system to secure the customer’s day-to-day transactions. Testing a banking app helps banks to ensure that these apps are working efficiently. It needs a witty team experienced in software testing, particularly with banking domain expertise, to craft an effective banking application testing strategy. The strategy should be to cover mobile, cloud, internet, and other features of the application.

First, let us have an understanding of Banking application testing.

What is Banking Application Testing?

It refers to the process of testing banking apps for functionality, performance, and security. The main aim of testing banking applications is to ensure that the app runs smoothly with no errors and remains secured. According to our domain experts, here are some main characteristics of a banking application in general.

Characteristics of a Banking Application:

The following are the main characteristics of a banking application, according to our banking domain expert. 

    • There must provide proper integration of banking app with other applications like trading accounts, bill payment utility, credit cards, etc.,
    • The processing of transactions should be fast and secure.
    • Must support thousands of user sessions from multiple locations at once.
    • Systems should have massive storage capacity.
    • Capability to perform high audits while troubleshooting customer issues
    • The app should be able to handle complex workflows.
    • Should support multiple Operating systems and platforms like Windows, Mac, Linux, and so on
    • Able to provide support for multilingual customers
    • Systems must support multiple service sectors and payments systems.
    • Disaster management mechanisms must be Foolproof.

Areas To Focus For Achieving Best Results In Banking Application Testing:

Software testing is very crucial to assess whether the banking application is working efficiently and seamlessly. Testers often face nerve-wracking challenges while testing a banking app. In this article we tried to shed some light on the critical areas that require more focus to achieve the best results in Testing a banking application software.

1. Checking User Interfaces And User Experiences

Banking Softwares generally have a user-friendly and intuitive interface since most bank employees lack computer skills. The UI of the app should contain simple graphic attributes like buttons, icons, fields, etc… The application interface should be so that the bankers won’t have a hard time creating or adding new client profiles, assigning them new banking outputs, managing everyday banking operations seamlessly, etc.

Having user-friendly interfaces can save a lot of time for bankers, thereby forming a positive relationship. So, it is advised for testers to put their full focus on testing User interfaces and User experience thoroughly

2. Checking Application’s Performance

The primary issue that could affect the user experience is performance. This is why every banking company must provide their customers with an application that performs well under different network conditions. This also includes the time taken by the app to respond to customer interactions on different devices. Testers also should focus on additional vital areas like CPU, RAM usage, Battery consumption, Data Consumption, sensitivity to operating system versions, and other factors. Check all the parameters to make sure that the app can provide incredible performance.

3. Testing For Security Vulnerabilities

No matter what industry a company belongs to, if they work with customer’s crucial data, the company must ensure data security, confidentiality, and protection against data leaks. Particularly in the banking sector, data security and integrity should be the top priority. Therefore, security testing is mandatory while testing a banking application.

This calls for in-depth knowledge in security testing and the ability to craft a comprehensive test strategy that checks for possible vulnerabilities. QA team should have experience dealing with banking software to test the app and assess potential security risks in the future. In Online banking systems, it is much needed to simulate possible issues by performing load & stress testing and performance testing.

4. Testing Functionality Of The Banking App

Banking apps are complex due to the thousands of modules and dependencies between these modules. Due to this reason, it might take more time and resources to test a banking app. The app should create, update, integrate, and delete internal and external operations in the banking process chain.

A tester should test all the dependencies of the modules and the boundary sections. It is recommended to combine API with functional testing to avoid flaky tests, if any, to minimize setup costs, and to keep functional testing short and focussed.

5. Testing Specific Scenarios in Banking

Not all industries are the same. There are some unique sets of scenarios that apply only to specific industries. Mobile banking applications have specific scenarios that are unique for the banking industry, which cannot be observed or applied to any other industry. For example, cheque scanning, fingerprint authentication for transactions, Rooting or jailbreak device identification, SSL pinning, OTP requirements and so on. Due to this, our domain experts suggest testing all use case scenarios.

Final Words on Banking Application Testing

A tester should always test an app from a user’s perspective. And that is why testers should understand the application and list out the categories for which a user uses the banking app. By shifting more focus to the areas mentioned above, a QA engineer can increase his testing speed and help the banking company provide high-quality mobile banking apps to their customers on time.

If you have any more queries, feel free to talk to our experts today!

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