Customers in the banking industry expect to have digital tools to execute transactions and access services offered by banks and financial institutions. They wish to do everything from transferring money, trading stocks, and checking account balances via apps and websites.

Nowadays, banking apps are a constant. These apps carry highly sensitive financial information that needs protection. Developers working with these apps need to create test scenarios with extreme precision. Leaving things to chance is unacceptable with valuable data since threats like loss of funds, data breaches, and other concerns loom large.

Let’s look at a comprehensive checklist for banking domain application testing that will help you with your requirements.

What You Need To Know

Insufficiently testing banking applications can inconvenience your users with underperforming functions and features. They also damage business possibilities and reputation by opening the app for attacks from parties looking to acquire customer data or funds. For this reason, testers need to test banking apps comprehensively, more so on real devices than simulators or emulators.

Significant features of banking applications to test

Authentication Gateways

Authentication gateways are a crucial feature of banking apps that need testing since banking apps deal with sensitive data like debit cards and credit card numbers, personal identities, income details, and more. With all this data, banking apps need to protect their user access. Plus, under DGPR and Payment Service Directive 2, it is a legal requirement to fortify user access. Typically, adequate user authentication will require login credentials or a PIN, physical features like retinal scans or fingerprints, and security questions.

Account management

We use account management to catalog, display, and track relevant information like money transfer services, account balance, and more to the users. Additionally, it helps get essential tasks done fast and without any errors.

Since all the information in these apps is around actual money, mistakes cannot happen. Users must have separate database IDs and be able to see real-time data. When transactions fail, the funds must reflect on the original account quickly. Inactive accounts must be disabled, and the app should log out of the account after a particular time.

Payment support

It is beneficial if the banking app can support payment options other than the typical bank-to-bank transaction; this can be integrations with other apps like e-Commerce apps, delivery, food, or booking services, or QA-based payment support.

Customer support

Having 24/7 customer support has become mandatory in most banking organizations. Customers can require assistance at any time of the day. Many banks assign a relationship manager when they need help; however, hiring employees for this work is expensive. While human presence is essential, chatbots do a great job with many requests that users can resolve themselves.

When designed after research and through valuable data insights, bots are an effective tool as they are active 24/7, don’t make errors humans would, and don’t get tired. Their programmed responses can save you expenses and users time by getting resolutions quicker. However, for users’ significant concerns, it is always best to let them connect with a client relationship manager.

Bank Application Testing: A Quick Checklist

To ensure banking apps always offer security, one-click access, and stability, QA teams must run different tests before they release the app.

The following checklist can help you have a framework to ensure you do not miss out on essential requirements. Here’s the list:

Identify And List Requirements

Documenting requirements is crucial to ensure perfect delivery. Record in detail all that your clients require from the app. When you have clarity, you can design comprehensive test cases for your application. A suggestion to help you record easily and efficiently is to record requirements by feature. Features include payment, investment, money transfer, and more.

Review requirements

Once you have recorded the requirements, review them with your business and technical stakeholders.

Build test cases

Since the requirements are now clearly understood, QA teams can start building test cases for these banking applications. Test suites are extensive; in this case, automation testing is crucial.

QA teams must take stock of their test cases, ensure those are appropriate for automation cases, and mark them accordingly. They will need to manually test certain features or supervise them; a skilled team must ensure its success.

Functional Tests

Running functional tests is essential as it will help you understand if your primary user workflows are free of errors and bugs. Functional testing ensures users can perform relevant actions with the least effort. Users do not have to click more than thrice to get their money transferred or get a financial statement. Also, the app must be self-explanatory, intuitive, and easy to use.

Database Testing

Due to the amount and sensitivity of the app banking apps will collect, their database must be accurate. Your app should regularly update and correct user data, and you must ensure you have mechanisms to support this. Regular tests will ensure seamless operation. Modules you would test include data speed, schematic organization, data types, and predetermined functions.

Cross-browser and device testing

Users access banking apps via multiple operating systems and mobile devices. It is essential to ensure all app features work correctly on these devices. Running tests on real devices is vital. HeadSpin allows you to test your apps on real devices from anywhere in the world.

Real device testing will help you ensure that your app protects user data from online threats; this will give you clarity on your app’s response to threats and if it allows users to take necessary action.

Security Testing

Security testing is an essential aspect of testing banking applications. The main thing to focus on here is to ensure your app complies with regulations like OWASP (Open Web Application Security Project). Either that or any other local rules.

Source: https://globaltechcio.com/case-study/banking-domain-application-testing-checklist/