Credit Origination: How to bring agility and flexibility to your origination process

Credit Origination: How to bring agility and flexibility to your origination process

The culture of credit lending has been in existence from time immemorial. With the onset of the millennial era, the loan process has become an integral part of the modern banking system contributing majorly to the economy. In current times credit origination is designed for efficient loan processing, which will offer an end-to-end solution in terms of the complete loan cycle, credit analysis process, risk mitigation, and ensure that the entire procedure is in complaint with all legal policies and regulations.

The credit origination process is a complex affair that involves an elaborate set of processes namely customer onboarding, know your customer (KYC), loan proposal, document management, cashflow analysis, multi-stage approval, disbursement schedule, loan contract, loan sanction, and the disbursement. It is important to streamline the process to ensure that all the stages involved in loan processing are carried out without any hassle, thereby, offering a seamless experience to the customers.

As credit systems are becoming a central part of today’s banks/ financial institutions, the need for an advanced software solution is increasing. To ensure that the software system of the credit workflow and origination operate without any flaws, there is a need for a robust and agile testing solution for the process. The testing of the credit lending software will make sure that the entire process from loan initiation to completion work without any issue that will eventually help in customer satisfaction and retention.

Building agile and flexible credit process with future-proof solutions

The introduction of digitization in the banking/ financial sector has changed the credit lending process in the last decade and will have a similar impact in the coming years too. In order to adapt to the highly dynamic market and deliver customer-satisfactory solutions, it becomes important for the banks/ financial institutions to have an agile and flexible process that is future-ready. This is impossible without an advanced software system in place created with a strong SDLC framework, and not to forget the agile testing of credit origination platform.

Loan origination is not as a simple process as it may sound. It involves seven critical stages to complete the loan process, namely, pre-qualification, loan application, application processing, underwriting process, credit decision, quality check, and loan funding. Hence, the testing process requires system integration to support the process across all these stages and channels.

An array of features for creating an agile credit process

Integrated credit system and risk management: Banks and financial institutions have embedded credit policy guidelines to align with the regulation and help in risk mitigation. This helps in staying compliant with the changing regulations of the credit origination process and improves the risk calculations. Further, helping organizations to improve the profit margin with better credit analysis and reduced faults on loan.

Designing responsive systems: Credit lending is a highly complicated process in the banking/ financial sector. To ensure effective customer service, it is important to build a responsive system that can process repetitive, mundane jobs and ensure accuracy and complete customer satisfaction. 

Mobile optimized solutions: With the increase in the number of smartphone users, loan origination is slowly moving towards an app-based interface. Mobile apps offer a great deal of advantages like on-the-go document submission, information capturing, real-time monitoring, easy approvals, and document reviews.

Performance and quality: Performance of credit origination platform drives system efficiency and strong customer service. To, further, support the performance of the real-time services for accessing the loan documentation, financial spread sheets, and the core loan processing system, an agile QA methodology is required to find out any faults in the software and ensure the system is working at its best in terms of quality and performance.

Integrated audit trails: Integrated audit trails are introduced to aid the compliance of the process. This also allows checking the loan-to-value, pricing, and coverage ratio in the credit process.

Testing of loan origination software

Originating credit is the lifeblood of consumer banking.  LOS (Loan Origination System) systems allow banks to rapidly scale while bringing in standardized processes.  To compete with FinTechs, banks need to constantly tweak their origination workflows and scoring engines.  To ensure flawlessly working LOS and LMS (Loan Management System), banks and financial companies are investing hugely in the right software testing tools. The testing aspect of the process covering functional testing that involves user acceptancesystem integration and regression testing of credit origination platform, and non-functional testing involving security and performance testing.

Test automation solution with AI-integration is getting popular among the banks/ financial institutions to remove bugs, mitigate risk, and help the lending banks and borrowers. Any discrepancies in the LOS or LMS can create high risk scenarios and lead to huge loss on money while hitting the reputation of the company hard. Hence, it is crucial to have thorough testing of the credit process to ensure a perfectly working system.

Why Yethi for the testing of loan origination process?

Yethi has a successful past of offering testing solutions to a wide range of banking and financial processes; one of the popular testing solutions is for the credit lending process. We understand the complexity of initiation, procession, and management of credits and the highly sensitive client data involved in the process, therefore, we offer automated testing solutions to help you operate the entire process easily and smoothly. Yethi helps you with the automation testing lifecycle of the entire loan process. It involves an elaborate origination, servicing, and collection process at various stages, helping you find out even the minute error in the system. We are your perfect QA partner as we carry out multiple rounds of execution to ensure accurate testing results. We carry out thorough analysis and testing to achieve specific, measurable, achievable, realistic, and timely results.

Touchless Customer Service in Banking: Digital Client and Transaction Authentication – Retail and Corporate

Touchless Customer Service in Banking

Touchless technology has created a buzz in all possible industries, becoming the most popular word of the last decade. Every one of us have witnessed the growing use of touchless technology at various instances such as automatic taps at malls, automatic doors at the supermarkets, biometrics at the airport, or even using no-touch technology on the phone by using virtual voice assistants integrated with smartphones. Touchless technology can operate on touchless sensing, voice recognition, facial recognition, etc.

Touchless technology was developed as a part of the innovation process to create a new interaction experience beyond the tedious traditional customer interaction methods. It creates a new interface allowing one to use their voice or gesture to hold a communication with the device. The popularity of the contactless technology emerged for greater convenience and security it offers.

Even before COVID-19 swept the global countries in 2020 letting people emphasize touchless technology to curb the infection rate, it had long before gained popularity among the retail and corporate customers for the greater convenience they offer. The bankingfinancial sector has utilized touchless technology like no other industries, to offer seamless customer service. With the rising threat of COVID-19 and global travel restrictions, there was a decreased footfall in the banks. This led banks and financial companies to continue making hefty investments in touchless technology to improve their customer service like never before. The touchless technologies, which had been preparing beneath the surface made their appearance ever more strongly during this pandemic, giving rise to the massive transformation in digital touchless banking.

Touchless customer service in banking/ financial sector

With banks and financial companies embracing touchless technology, the advancement is growing much beyond touchless payments and transactions. Furthermore, the rapidly increasing pandemic has witnessed a reduced footfall in banks as people are preferring virtual platforms over physical branches. With touchless payments being introduced, one can make a payment by just waving, tapping, or scanning cards or smartphones at the merchant machine/ QR codes.

The scope of touchless technology in the banking and financial sector is immense. Know your customers (KYC) validation, which was earlier required by the customers to visit the branch and submit the documents physically, has undergone a series of changes to ensure that the validation is completed within a few taps on the smartphone and authenticating using facial recognition solutions. Moreover, banks are offering greater flexibility to the customers by introducing online banking, mobile banking, chatbot support, and third-party apps for added ease and satisfaction.

The on-going COVID-19 pandemic has led people to switch to touchless payment to minimize the risk of infection. There has been a significant surge in the number of people using contactless transactions during this period. The banking process such as video KYC and virtual credit cards, which were still at a nascent stage, have geared up in the recent past.

With the growing use of apps, smartphones are slowly becoming the new mode of payment. UPI (Unified Payments Interface) payments, such as Google Pay, have gained popularity in the last few years. UPI has become customers’ new favorite for the ease and seamlessness it offers. It has literally replaced the wallets while offering completely secured and smooth payment option.

Banks are, further, turning towards advanced technology such as AI and ML for decision-making and process automation solutions to streamline the bottlenecks in operational bank servicing processes. Similarly, infrastructure and development of a microservice banking architecture also allows flexibility, scalability, and continuous change.

To initiate anytime and anywhere service, banks have introduced advanced solutions such as interactive teller machines, kiosks, lockers to pick up negotiable instruments, and instant-issue debit cards. These new introductions by banks and financial companies are slowly changing the way we make payments in today’s technology-driven world.

Transaction authentication for retail clients

Customer expectations are ever-changing, creating immense pressure on the banks, financial institutions, and Fintechs to offer better than what they have now; this transformation has led to touchless payments. Unlike physical transactions where the customer has complete control of the merchant system, touchless transactions do not. Hence, it becomes mandatory to have an excellent authentication process to ensure a completely secure transaction.

Bank frauds were on the rise in the last few years, the case of identity theft, money heist, data breach, and other banking scams were commonly increasing. To ensure adequate security during touchless transactions, banks have invested a hefty amount in improving their authentication system. This forms an integral part of the transaction process which cannot be compromised. With the improved authentication process, bank frauds have been reduced tremendously.

Banks have enforced new login methods to authenticate the transaction; the popular verification process includes password login, OTP authentication, and text code verification, among others. Banks are coming up with two-factor authentication for tighter security; this offers much more security than just using a password. Here, the user provides two different factors to authenticate his transaction. The factors may include a password along with fingerprint verification, facial scan, and so on.

With the increasing contactless transactions, banks and Fintechs are moving towards an intelligent authentication process. Banks are developing intelligent authentication strategies where there are thousands of authentication points underlaid for an individual customer. The growth in the technology front is paving way for more advanced authentication systems in the near future.

Transaction authentication for corporate clients

Banks and financial institutions are tying up with multinational companies and other smaller and medium companies to offer financial services. To protect the customers’ accounts, they are boosting up their security systems to eliminate banking frauds, while offering convenient transactions without any risk.

To secure corporate transactions, banks and financial institutions have a strong authentication in place. When a corporate client initiates a transaction, it determines the number of approvers required for the transaction. Authentication messages are pushed to the approvers which display the details of the transaction, which can be accepted or rejected by the approver. The responses are further, required to be digitally signed using certificates namely emCert X.509.

Corporate authentications are fully encrypted communication channels with mutual authentication. It offers two-factor authentication and is protected by completely secured systems to provide safety from malware attacks. Furthermore, these authentications are ISO 21188:2006 compliance and work on fallback technologies like SMS or OTP generation.

How secure are touchless transactions?

Contactless payments are more secure than you think; it offers security and convenience without letting you compromise on either. To strengthen the security of cardless payments, the transactions are protected by a PIN number which is used by the customer to authenticate the payment. When a contactless transaction is carried out, there are multiple, complex algorithms running in the background to ensure the transaction happens instantly, accurately, and securely.

Similarly, UPI platforms like Google Pay, also offer completely secure transactions. Here, the payments are carried out in highly secured servers. The details of the card are always masked and never stored in the phone or shared with merchants. Payments are usually carried out by using mobile numbers. While using the UPI platform for transactions, a confirmation is sent to verify your payment. This verification mail includes the details of the payment such as amount, merchant’s name, and so on. This kind of contactless transaction also provides the option of locking the app using android device manager, in case of a lost/ misplaced phone.

In case of other contactless payments such as virtual credit card, cardless payments, interactive teller machine, cardless cash withdrawal, or drive through ATM, the payments are completely secured by authenticating the transaction with an OTP (one time password) sent to the registered mobile number.

The payments done by scanning QR Code or wirelessly connecting to the POS (Point of Sales) machine is done by using the near-field communication technology that transmits the digital data and allows the card to connect wirelessly to the machine.

Why Yethi for testing digital authentication process?

Yethi is your go-to partner for helping you with testing the authentication of contactless transactions and related advisory. At Yethi, we understand that touchless transactions are moving much beyond card payments. With the growing use of apps, smartphones are slowly becoming the new mode of payment. Hence, we offer banks and financial institutions an advanced system to test the authentication in contactless payments. Yethi’s Tenjin is a revolutionary test automation platform that is diminishing operational, financial, and reputational hazards with end-to-end business process authentication. It focuses on increasing the agility, consistency, and accuracy of the organization’s core software system.

Codeless Test Automation for Banks – The What, Why, How

Codeless test automation for banks

The world is stepping into a new era where technologies fuel digital transformation across all sectors. While it sounds exciting, this innovation and digital transformation impose many challenges for both the development and testing team.

Many QA professionals are still facing gaps in automating test cases which slows down the software development process. Sometimes they lack the expertise required to write test scripts. The errors in the test scripts are the prime reason for the failed automation attempts.

Though code-based testing is time-consuming and requires more effort, it is the most effective strategy for delivering the highest product quality. But it does not fit well in the rapidly changing technology-driven world. There is a need for a solution that runs in a stable and reliable atmosphere and provides efficient results. No-code test automation solution that combines both manual and codeless automation is the way forward.

Codeless test automation eliminates the challenges faced by QA professionals. It empowers the organization to deliver accuracy, consistency and speed up the product’s release time to market. It also allows testers to automate the testing process and maintain the test scripts efficiently.

What is Codeless Test Automation?

As the name suggests, codeless test automation allows testers to automate the testing processes without writing any script. It does not require any coding skills throughout the testing phase. Codeless test automation has become very popular over the past few years as it reduces the time in test creation and boosts software release velocity. It relieves QA professionals from the responsibility of coding. But they must have a good understanding of testing methods, pain points, and business goals to deliver results.

Codeless test automation allows testers to focus. Enhancing skills and learning new technologies is a part of all the project’s requirements. But it takes a lot of time, effort, and patience to learn a new programming language which often distracts QA professionals from their primary functions. Codeless test automation puts them back on track and shifts their focus on delivering the solution fast and achieving business goals.

Benefits of Codeless Test Automation

Better Test Coverage
A Codeless test automation solution provides high test coverage. It breaks the shackle of testing software or application of only one platform type. You can test a wide range of software or applications like iOS and Android applications, websites, desktops, etc. The increase in test coverage allows QA professionals to use a single platform for all their needs and reduces the time required for testing an application across multiple platforms.

Shorter Time to Market the Product
Rather than spending time on writing scripts, testers can shift their focus on validating quality. Many codeless test automation solutions offer integration features that fulfil the growing needs for scalability while managing the automation process.

Increased Test Reusability
A Codeless test automation solution stores the results of the previous test cases so that you can reuse the test steps multiple times. It takes away the hassle of manual effort by automatically upgrading the test cases. It utilises machine learning and artificial intelligence algorithms to manage and maintain the test sets.

Empowered Agile Methodology
It does not require any coding or programming skills. It empowers agile methodology by allowing people with diverse skill sets and knowledge to participate in the testing process. It ensures transparency in the project and keeps a collaborative workflow for the whole team.

Codeless Test Automation with Tenjin

Tenjin automation suite covers the entire software development cycle. It automatically reads the test cases from Microsoft Excel sheets, executes them, and generates a consolidated report of the test cases and test outcomes at the end of the process. It meets the rising business needs for scalability and higher ROI.
Tenjin codeless test automation solution comes with the following comprehensive functionality-rich features:

NaviFlow Learner – automatically discovers the graphical user interface of the application and navigates through screens.

Test Manager – comes with a test manager suite that manages various test assets like test cases, test sets.

GUI Execution – executes the test cases using the application interface. It does not require any supervision or manual intervention.

API Execution – executes the test cases using the application APIs. The API execution does not require any supervision or manual intervention.

Test Reporting – provides a consolidated summary of test cases and their outputs.

Results Validator – validates whether the test cases produce the desired results.

Task Scheduler – automatically reads test cases from Microsoft excel and executes the test cases at a predefined time interval.

Data Extractor – builds the test cases by retrieving data from the application interface.

Data Publisher – publishes the test cases result to detect the management system of choices.

Audit Trail – monitors and tracks the test users’ activities.

Technology Agnostic – traverses across different platforms like smartphones, websites, etc.

Mobile App Testing – allows you to test iOS and Android application testing using devices and simulators.

Why choose Tenjin for Codeless Test Automation

The adoption of Continuous Integration/Continuous Development has changed how non-dev testers get involved in the software development process. The innovations in technology demand a solution that speeds up software development while offering a seamless customer experience. It requires a significant amount of investment in both quality assurance and application testing.

Tenjin codeless test engine is a robotic automation test suite that delivers accuracy, agility, and consistency. It is a test automation solution designed to address the complex needs of testing BFSI applications. It comes with pre-built adapters to allow quick integration with transaction process solutions such as Oracle FLEXCUBE, Infosys Finacle, Temenos, TCS BaNCS, and FIS. It is a low maintenance script-less robotic learner that brings uninterrupted operations and enhanced business performance with minimal effort.

Conclusion

Software testing is one of the fundamental processes of the software development life cycle. For increasing productivity and boosting the product release time to market, it is crucial to choose a solution that fits well in the existing workflow. Tenjin codeless test automation platform is one of the best tools in market that supports the end-to-end SDLC.

When to (and when not to) consider the same test-automation tools for different applications?

Test Automation Tool

Companies develop software products to stay relevant to the trend and offer seamless customer service. To ensure that the quality of the developed product is impressive, it is essential to carry out a strong testing process. Furthermore, with advanced mobile and web technology evolving every day, the need for test automation is constantly growing to deliver flawlessly working software products. Test automation has helped to automate mundane, repetitive tasks and led businesses to improve their ROI metrics.

The success of automation testing depends on the right choice of tools. It is important to evaluate the testing tools in the market as choosing the right test automation tool helps you achieve accurate results for your software testing. Testing a software is a time-consuming process but a critical one as it ensures the sustainability of your project in a long run.

Same test automation cannot prove efficient for a diverse application range as they have a different built and working structure. Let us discuss where the same test automation tool can be applicable for different applications and where it cannot be.

Criteria for considering test automation tool for an application

Application testing is a software testing process that is performed to find any faults in the software. This is an important procedure in the entire software development process as it reduces cost, maximizes ROI, and saves time and effort. Choosing the right test automation during application development is the most critical step. The selection of automation testing tools depends on multiple criteria as discussed below.

  • On a broader scale, the application development is differentiated into two extensive networks – core and edge, between them lies the workflow process. The core system handles the internal transaction processing of the company. They are large, slow to change, more data-oriented, and stable. Whereas edge systems are typically external-facing platforms with relatively lesser functionality but higher diversity of deployed eco-systems. They are smaller, more visual, and prone to rapid changes. Core and edge are designed to perform different tasks; hence, the same test automation tool for testing both application stacks might be sub-optimal.   

  • Similarly, application development also varies based on the industries. The software that can be used for creating e-commerce and lifestyle apps may not be appropriate for insurance and financial applications. Lifestyle apps are created to support an individual’s needs that define his/ her lifestyle, such as travel, fitness, food, music, etc; whereas finance apps connect with one’s bank account and help him/her track the expense, transfer money, pay bills, etc. With the entirely different utilities the two different apps offer; the software automation testing tools also vary. The same tool is applicable for similar applications like all lifestyle apps, all financial apps, etc, but using a single automation tool for all the apps may prove inefficient.

  • Your needs from a test-automation platform might vary across the SDLC or your product lifecycle.  Any product goes through three stages – infancy, growth, and maturity. The infancy stage witnesses rapid development and needs greater speed, while the maturity stage is more optimized and stable. The infancy stage testing is focused on development and speed, but the maturity stage may need to undergo regression from time-to-time to detect any fault in the previous stage of the development cycle. The automation tool used for the highly dynamic infancy stage of the software cycle may not be efficient for the stable maturity stage and vice-versa.

  • The difference also lies in the primary interface being used by the system, like the graphical user interface (GUI) and Application Programming Interface (API) among others. API allows communication between technology products whereas GUI allows users to interact with a computer application. The same testing tool will prove to be inefficient for both the applications.

  • In addition to these factors, the selection of tools also depends on the life of test automation, whether it is short or long. Here, the same tool cannot be used for processing and reporting, as processing forms a single-step process while the report is a multi-step process.

Multiple application solution for local systems

Business applications form the backbone of organizations as they are directly linked to the business profit. They possess critical importance in the success of a business as they are designed to satisfy the specific needs of a business. Hence, thorough testing of them becomes mandatory. Any fault will lead to poorly working applications and unsatisfied customers, which will eventually affect the brand value.

If a business is planning to implement multiple application testing solutions, it is important to choose a system that is with higher accuracy of AI. The AI-integrated system should be fed with all possible test scenarios for it to learn and execute. The system should have automation capabilities that should evolve and help in future transformation. 

Furthermore, there is a 3-way objective to evaluate when trying to install a new system in place.

  • Cost of building new test-cases
  • Cost of maintaining old cases (updating etc.) 
  • Cost of manual execution 

Here, cost should be measured in terms of $$ and time-to-market / turn-around-time.

Yethi’s multiple application solution

Yethi is a QA service provider to the banking and financial sectors worldwide. It specializes in all kinds of application testing ranging from core & edge, product lifecycle stages, industry-based application, and interface-based application testing. Yethi’s Tenjin offers testing solutions with cutting-edge technology that can ‘learn’ and ‘re-learn’ with minimal or no manual intervention. This codeless, auto-adaptive, agile test automation is perfect for enterprise application testing and also offers test automation for mobile applications.

Yethi Consulting offers an efficient test automation solution to banks and financial organizations across the world. The focus remains to improve the effectiveness of the organization’s core software system and ensure to increase agility, consistency, and accuracy.

Cards for corporates: Are banks doing enough to innovate? Why user experience is still nascent?

Cards for Corporate

Globalization is rapidly increasing and connecting the world economies as one. This growth has led to an increase in global business travelers like never before. To ease the expense management for companies and add convenience to the business travelers, corporate cards were introduced. Employees no longer have to spend out of their pockets for official expenses and wait endlessly for reimbursement. Corporate cards offer the freedom to handle authorized business expenses and allow employees to deal with official expenditures directly from the company’s account.

For corporate cards to work effectively, it requires a strong testing process to support the software development activity. Since the process involves sensitive data like money, card number, customer details, and company details, there is no scope for compromise on the quality of testing. Card testing is a critical process that needs to be carried out accurately and securely while maintaining all compliances.

Are banks doing enough to innovate the card payments?

Banks have seen a transformative change in terms of card innovation. The increasing competition between fintechs and other financial institutions have led to innovation in the banking sector. This came as a plan to attract new customers and retain the existing ones.

The payments are getting more flexible, encrypted, regulated, and secured which is making them increasingly ubiquitous and transforming the customer experience. The trend of payments is moving towards real-time transactions and utilizing advanced technologies like Cloud, AI, ML, and digital payments.

The recent innovations in banking/ finance:

  • Emphasis on digital approach
  • Supporting e-channels, e-wallets, and third-party providers
  • Real-time payment options
  • Geography-specific needs catered
  • World language supported
  • AI and machine learning integrated transformations
  • Approach to embrace the flexible Fintech business models

Even with the growing innovation, some unaddressed challenges by the banks/ financial institutions hinder their growth; they include:

  • Increasing competition by the fintech companies
  • Investigate peer-to-peer lending option
  • Noncard lending options
  • Unmet consumer demands
  • Lack of personalization in customer engagement
  • Slower adoption of new technology

The banking process aims to streamline and address all the challenges that lie ahead of a better user experience.

Why user experience is still nascent?

Today’s disruptive technology has made enormous changes in the way we use cards. Cards have evolved over the years; started with introduction of money withdrawal at the ATMs, swiping at merchant machines, and using it for online payments. Further, the introduction of corporate credit cards had been a big hit, offering ease of expense management among the companies.

Even with the greater options and flexibility the corporate cards offer, user experience still remains nascent. The reason user experience has not seen a steep growth is due to the lack of brand awareness, not meeting the customer demands, and not using cutting-edge technology.

Scope for improvements in corporate cards

  • Corporate cards are primarily used by companies for expense management, but it is important for the employees also to keep a track of their expenditure and check if they are spending within the specified limit. Such tracking needs a real-time, efficient app that works flawlessly to update the debits instantly, send notifications, and track the daily/weekly/monthly expenses. The user experience can, further, be enhanced with a responsive user design and efficient navigation system.

  • A greater customer experience can be achieved with an omnichannel transaction solution. Omnichannel payments refer to the mode of payments in multiple ways; for example, making payment using phone, web, merchant machine, or third-party payment apps. Though there has been a significant growth in providing omnichannel payments, there is a need to expand the payment options for the corporate cards to offer great convenience to the users.

  • To offer a great experience for card users, it is essential to incorporate the right UI UX practices. Only a responsive design and seamless user experience will keep the users happy and eventually help to retain them.

  • Credit card budgeting tools are perfect for tracking expenses. These tools connect with the financial accounts and tracks the transaction through an app. Emphasis should be made on creating credit card budgeting tools with great design and seamless user experience.

Why is card testing critical? What are the parameters involved?

The success of a corporate credit card lies in the accurate credit card testing process conducted during and after the development process. Without proper testing, the process would be chaotic providing inconvenience to the employees and incurring a huge loss to the company. The testing of cards involves various important steps to ensure that it works even under high loads without performance failure.

Key points involved in card testing:

  • The card should be tested to offer flexibility to work online as well as offline
  • Card testing ensures that the card works efficiently with the sales machine even during the offline payment
  • The testing should ensure that the payments are done instantly
  • It should effortlessly pass the payment confirmation message testing
  • Testing to check if the funds are properly received in the merchant account
  • Card testing must ensure that the payment confirmation is received
  • Testing should make sure that the payments are encrypted and secured

Corporate cards are evolving and transforming business objectives while offering better security and simplifying the payment options. Furthermore, the rewards, deals, and perks offered by the card companies are initiatives to attract more business owners, making it benefit mutually.

Since the process involves sensitive data like money, card number, customer details, and company details, the critical development process of card software need a well-planned, accurate, secure, and strong software testing process.

Why Yethi for credit card testing?

Credit card testing is an elaborate process involving functionality validation, functionality testingnon-functional testing, testing the performance, testing the changes and configuration, and reviewing the test reports. Yethi’s 300+ domain specialists have developed test strategy and business scenario/ test case review for corporate credit cards, for the esteemed clients.

Yethi is a niche QA servicer provider for global banking and financial companies. Yethi’s flagship product, Tenjin, is diminishing the operational gaps across key business areas of the BFSI industry. This simple plug-in platform is process-driven and offers seamless end-to-end testing. It delivers better software performing at a faster rate with nearly 100% accuracy. Our half-a-million test case repository for card testing comprises end-to-end test case scenarios for credit card payment through POS application and test the important details of cards like card number, expiry date, CVV number, AVS code, encryption, authorization, and settlement, and more helping you to fast track your product within your budget constraint.

RTA and RPA: Impact on financial institutions

RTA Vs RPA by Yethi

The current technology-driven era has embraced intelligent technologies, like Robotic Process Automation (RPA) and Robotic Test Automation (RTA), which have a significant impact on the banking and financial sector, thereby, reshaping the way they operate.

RPA and RTA are significantly being used in the highly dynamic and constantly evolving banking and financial sector. These robotic bots integrated process automation and test automation have helped organizations in the BFSI industry to achieve scalable, stable, and responsive models for greater accuracy and consistency.

RPA and RTA, which are often confused to be the same have little in common. With a fair amount of distinction, the outcome of RTA is not the same as RPA. However, as both streamline the operations and improve efficiency and productivity by reducing cost and time for development, often Robotic Process Automation is used instead of RTA.

The article highlights on how RTA is an ideal approach to speed up the automation testing process. RPA helps to automate a process by eliminating the manual execution of tedious, repetitive, and mundane jobs, while RTA significantly increases the process of regression testing by eliminating the necessity of creating and maintaining test scripts.

What is RTA? How is the financial sector benefitted?

Robotic Test Automation (RTA) is a revolutionary technology that has changed the ROI metrics of software testing based on a real-world scenario, by robotically generating, executing, and maintaining test records. Unlike RPA, where only automation of a particular process is carried out, RTA can be used to automate multiple processes all at the same time.

RTA eliminates the hassle of repeatedly testing the entire case by automating with a no-code or minimal code interface. Further, it removes the inefficiencies and time-consuming procedures involved in manual creation and maintenance of test cases. Automating test cases under this scenario will be beneficial as test automation can help in reducing the regression burden saving time and money.

In the highly complex and diverse banking and financial applications, the core software system has a high volume, sensitive data of various categories. These data-driven applications often tend to be highly volatile and require extensive validation, which if done manually can be time-consuming, expensive, and compromise on accuracy. RTA is the perfect solution for testing banking and financial software as it automates multiple cases and eliminates the bottlenecks associated with manual testing. Thereby, improving the test accuracy and reducing time for conducting the test.

Benefits of RTA:

  • Flexibility of working on multiple processes at the same time
  • Exhibits a distinctive configuration
  • Supports continuous testing
  • Minimal/ no code
  • Cost-cutting technology
  • Increases the productivity rate
  • Accurate and consistent

What is RPA? How financial sector is benefitted?

Robotic Process Automation or RPA is a software bot designed to mimic human behaviour and automate high volume, data-intensive, and repetitive tasks. It improves agility and reduces the complexity in the data-entry cycle, capturing data, triggering responses, and communicating with other systems; thereby, delivering error-free output and completing the task efficiently and effortlessly.

RPA is an advanced, robotic process integrated with Artificial Intelligence (AI) and Machine Learning, it is optimized for large volume of transaction entry for a limited process set. RPA documentation is primarily around process execution and process volumes.

Why RTA, not RPA, is the right solution for testing of banking and financial applications?

Even if RPA and RTA have robotic approaches, they cannot be confused to be the same. RPA is used to automate few processes that are repetitive and mundane for large volume of repetitive cycles, while RTA is used to conduct testing across multiple or all processes for a relatively lower volume of cases all at the same time.  Both are optimized for different use cases and therefore cannot be considered as supplementary solutions.

In the complex banking environment, a strong and resilient testing process is required that can offer 100% accuracy, agility, and consistency. RPA may fail to live up to the expectation when it comes to handling the complex, sensitive, and diverse system of the banks’ core software and often turn out to be inefficient to adapt to the changes. RTA, on the other hand, automates the testing of various test cases individually, and perform regression testing each time a change is made in the system.

RTA provides the opportunity to test the entire case at different levels of complexity, which cannot be easily performed by manual efforts. With the incorporation of RTA in place, banks/ financial institutions witness a drastic transformation in the core operations and improved profit margins, hence, slowly but surely it is becoming the right solution for the banks/ financial institutions.

Yethi’s robotic test automation tool, Tenjin, for agile and accurate solutions to financial sector

Tenjin, Yethi’s test automation tool, is an easy-to-integrate, codeless automation platform, which is designed to rapidly scan through the software and detect errors. This innovative platform works 3x times faster than any other automated testing system. It is designed for seamless integration across all operating systems, platform, and versions, and its plug-in and play simplify the testing process along with a comprehensive defect management system. Tenjin has the ability to test at various levels, conduct regression testing, perform shift left testing, and deliver results with speed and accuracy.

Yethi Consulting is a niche QA service provider who has helped banking/financial organizations globally with an efficient test automation solution. We work towards improving the efficiency of the organization’s core software system, thereby, increasing agility, consistency, and accuracy. Our revolutionary solution has taken the test automation to next level with an accuracy rate of nearly 100%.

Year in Review – Our 2020 Snapshot

yethi year in review 2020 highlights

In a year filled with challenges, we’re thrilled to have accomplished so much, from a stronger workforce to new clients, as highlighted in the snapshot below.

  • 10 new clients: In addition to our existing clients, we started working on new exciting projects with 10 financial institutions across the globe. 
  • 123 new members: Not a made up number! We welcomed exactly 123 new team members this year, most of whom were on-boarded and introduced virtually using MS Teams and other remote working tools.
  • 300 strong: Our workforce strength grew to about 300. For the first time, we worked completely remotely and from home. Although this was new and sudden, we were not only able to work in harmony, we explored new avenues.

Thanks to everyone for their continued support and contribution to Yethi’s growth. We are incredibly grateful to each client who placed their trust in us in such a trying year.

If you’re a financial institution planning to focus on technological innovation this year, whether it’s a Core Banking System upgrade or carrying out a new digital transformation exercise, drop us a message to know how we can ensure a smooth & secure transition with our Quality Assurance offerings.

All that you need to know about Cloud Testing

All that you need to know about Cloud Testing

Introduction

Digitalization is driving transformation!

In recent years, many digital platforms were developed to address user requirements, and innovation is still underway. Since we use the digital platform in every sphere of our life, technology and innovation will keep emerging. Just while we continue developing more digital platforms, we need to be confident about their performance and user acceptance. Testing becomes extremely important as it ensures that the software performance is top-notch, and end-users can reap the benefits of these applications. As digital platforms are evolving, so is testing. From manual testing to automation, the testing phase has moved further to Cloud testing.

What is Cloud testing?

Testing of applications using cloud computing services is known as cloud testing. Cloud testing focuses on faster availability while ensuring scalability and flexibility, and helps in saving time and cost, which is an ultimate requirement for software testing. The purpose of cloud testing is to check and validate the functional and non-functional requirements of software using cloud computing. Cloud testing allows testing of software over an internet-based platform and remotely provides many computing services like hardware, software, and other computer-related services.

Following are the main models of Cloud Computing,

Models of Cloud Computing

Types of Testing in the Cloud

The applications can undergo following types of testing in the cloud.

1. Functional testing

Functional software testing examines all the features and functional requirement of software. It also checks how software interacts with hardware.

  • System testing — Through this testing system’s compliance is evaluated for its functional and system requirements.
  • Acceptance testing — Acceptance testing ensures that an application can meet customer requirements.
  • Integration testing — This testing checks if the application is compatible with different platforms and works even when it is moved from one cloud infrastructure to another.

2. Non-functional testing

Non-functional testing in the cloud allows you to validate the non-functional features of software such as performance, usability, and reliability.

  • Security testingSecurity testing of application ensures that data is stored and transmitted safely.
  • Stress testingExecuting Stress testing help you in evaluating your application performance under excessive stress.
  • Performance testing — Performance testing ensures that the application performs correctly with various numbers of users, while cloud solutions should be scalable on-demand.
  • Load testingLoad testing helps in measuring software response time when the load is increased in system.
  • Latency testing Latency test allows you to measure the application response delay after deploying it in the cloud.

3. Ability testing

To verify whether users really receive application services on-demand, ability testing is necessary.

  • Compatibility testingAs the name suggests, the compatibility testing helps in evaluating the application’s compatibility with various environments and platforms.
  • Disaster recovery testingDisaster recovery testing helps in evaluating disaster recovery time and ensure that the application is available to users with minimum data loss.
  • Multi-tenancy testingMulti-tenancy testing verifies application’s ability to ensure the level of security and access control for multiple users in the cloud.

Benefits of Cloud Testing

Cloud-based testing is widely accepted over traditional manual testing. Here are the following reasons:

  • Scalability — Business requirements keep changing frequently. Based on these requirements, cloud computing resources can be increased or decreased, ensuring the scalability of the technology.
  • Time-efficient — Cloud testing allows you to run your applications on various hardware. Hence, testers have enough time to fix the bugs making the technology more time-efficient.
  • Cost-efficient — Cloud testing allows you to pay only for those resources, testing environment, hardware, and software that you might use.
  • Easy test environment configuration — Cloud-based tools allow you to set up a test environment on multiple devices, saving you time and money. It can also detect the errors during environment configuration across all devices.
  • Easily customizable — Cloud testing provides easily customizable options by using cloud-based tools and services. Testers can easily emulate an end-user-centric environment saving you time and money.
  • Ensure comprehensive testing — Cloud testing creates an all-device platform and configuration, eliminating the need for multiple devices and facilitating comprehensive testing.
  • Faster testing — Cloud-based testing tools enable software test automation reducing, time to the market. It has eliminated the need for having separate testing infrastructure while enhancing team collaboration and improving testing.
  • Continuous availability — Software testing is available to the testers anytime and anywhere to speed up their software development lifecycle with its continuous availability.
  • Improve team collaboration — Companies can improve their team collaboration by implementing DevOps in the cloud. The team collectively can try different configurations and data and automate testing processes using tools.

Four main categories of Cloud testing

  • SaaS testing in Cloud – Based on the application requirements, functional and non-functional testing is executed.
  • Testing using entire cloud – Based on the cloud features, where the cloud is considered as an entity, testing is executed by Cloud and SaaS vendors, as well as end-users.
  • Testing within a cloud – Cloud vendors can check internal features to carry out testing.
  • Testing across cloud – Utilizing different types of cloud environment, the testing is executed.

Cloud Testing’s Core Components

The testing is executed of these core components to ensure the following aspects.

Cloud Core Component

Conclusion

The expert team at Yethi understands the importance of testing across multiple devices and networks. As swift changes in digital environment redefine consumer and retail banking, we are providing exhaustive test-coverage throughout all aspects of digital transformation and application testing like Functional, UI/UX, Performance, Compatibility, Security, Geo-based and network testing, by enabling testing across multiple devices, OSes, and browsers,

With cloud testing, we ensure timely testing of digital and mobile assets by incorporating real-time testing of both native and hybrid mobile applications across multiple platforms, thereby eliminating delays and redundancies and saving time and money.

Test Automation Strategy to Achieve Product Development Goals

Test Automation Strategy to achieve Product Development Goals

Introduction

The full potential of test automation lies in a well-formulated strategy. As the demand for feature-filled applications rises, independent software vendors and organizations focus more on delivering reliable and efficient products within strict product delivery deadlines.

However, as more and more companies are adopting agile and DevOps methodologies making application development a complicated process, manual testing can no longer be relied upon. When it comes to ensuring the quality and functionality of the software while speeding up its market launch, automated testing is the only viable option. Some of the key strategies adopted by firms to ensure best use of test automation are given below.

Steps to set your test automation strategy

  1. Ascertain your goals

The first step is to determine a successful enterprise test automation strategy and find out which test to automate. The best example of test cases are the ones that run often, are time-consuming, requires an extensive amount of data to perform a task, can be tested over multiple platforms, and have a high probability of test failures and risk.

The first strategy for successful test automation is methodically planning it out and defining the scope and goals of test automation.

2. Preparing a test approach

The test approach influences testing practice in organizations. With test automation and agile methodology, testing is becoming an integral part of the software development process. Once the team finalizes and decides to adopt a specific test approach and determines appropriate testing levels, roles and responsibilities are assigned to the respective team members.

Deciding on the right testing method will provide the maximum value when automated. Different testing levels requires various testing methods. Below are some of the testing methods that can help you to achieve maximum values.

  • Unit Testing

In agile methodology, unit testing is an important test automation strategy as it yields high ROI. The developers can write, execute, and maintain a small piece of code in form of either function or method, which are used during unit testing.

  • Smoke Testing

Smoke tests verify and provide instant feedback about the system builds. It confirms that all complicated functionalities are working without errors and defects. For an efficient smoke test, a few manageable test cases should be selected to quickly execute the tests.

  • Regression Testing

Whenever new features and functionalities are implemented in software, it introduces new errors in the build. Regression testing allows checking these features repetitively to detect defects. Regression testing can be automated to reduce the burden, time-to-market and cost.

  • Component Testing

Component testing tests the comprehensive business value and does not focus on the quality or quantity of the entity. Component testing can be automated to reduce time and expenses.    

  • End-to-End Testing

End-to-end tests can be complicated. Hence, the testers need to select the right tools, which are easy to use, maintain and scale to ensure high ROI.

  • Integration/API Testing

The software development relies on API and SDK, hence validating the comprehensive application performance is critical. Integration and API testing confirm the system’s performance and stability with external systems. Automating frequently run API tests is important as some of the changed codes may affect the API functionality.

  • Cross-browser Testing

Running app’s test manually over multiple browser / operating systems / devices can be a time-consuming task. Automating the cross-browser tests enables you to run these tests quickly. It is proven that cross-browser test automation has increased the test coverage, reducing the testing time and effort significantly.

3. Selecting test automation framework

Writing and running tests is based on detailed guidelines like coding standards, procedures, test-data reporting and more, etc, which is known as test automation framework. Here is a list of test automation framework,

  • Linear Scripting

Linear scripting is the most useful framework. With record and playback features, you can record the steps in sequence and play it whenever you need them.

  • Library Architecture

Library architecture identifies, divides, and group common tasks. The functions are saved in the library and used whenever the test scripts are required to use them.

  • Modular-Based Testing

In this type of framework, an application is divided into separate units and the testing is conducted in the unit base. Each part has respective test script, which is later combined as merged tests.

  • Data-driven Test

The errors found in linear & modular-based, data-driven test overcomes it. It allows one to store data and access it from the external file to test the same feature with different sets of data, whenever needed.

  • Keyword-driven Test

Keywords are stored externally and are used to represent or test the GUI of an application. The actions are tested following certain guidelines and are usually separated from the test logic.

  • Hybrid Testing

The hybrid testing facilitates application flexibility and provides accurate test results.

4. Selecting the right tool

As a part of a test automation strategy, it is important to select the right testing tool. Selecting the right automation tool is based on an understanding of the technology upon which an application is built and test requirements of the Application Under Test (AUT).

One of the main aspects of selecting the right automation tool is to address the testing demands of certain kinds of applications. The right automation testing tool must be compatible with the platform and easy to use.

As the number of platforms grows, the automation testing tool to validate application performance across the platform must be wisely selected. An ideal test automation tool is the one that supports cross-browser testing and has the ability for maximum use of the test scripts.

5. Create and run the tests

The next step is to write and execute the scripts. The following are the steps,

  • The test cases must be written in a way that enables the testers to use it in multiple projects
  • To remove the redundancy, it must be validated to see if a similar type of case has been written before
  • The test cases must be written in such a manner that anybody other than a test scripter would be able to execute it
  • Based on the feature and component, the user must prioritize the test cases
  • The high-priority test cases must be executed first

6. Maintaining test scripts

Scrutinizing testing parameters is important for maintaining test scripts. Regression test may take more time for the applications, which are rich in features, resulting in the importance of test automation to wane out.

Maintaining the test cases plays a crucial role; hence test cases must be optimized and categorized. It allows evaluation of test case subsets, and clearly defines the purpose of test automation. Process of test automation becomes easier with smaller test cases.

Importance of a successful test automation strategy to achieve product development goals

Importance of test automation strategy is to help you achieve product development goals. Finalizing test automation strategy helps in,

  1. improving test accuracy – Test automation improves accuracy by reducing human errors, which occurs in manual testing
  2. saving time and effort – Test automation reduces time and effort by delivering results faster
  3. offering test coverage – Test automation improves software quality by expanding the depth and scope of testing and ensuring a thorough examination and investigation of various software features
  4. increasing test case efficiency – Test automation improves test case efficiency by making slight improvements during the testing phase of software development cycles so that the product could be launched in the market on time
  5. Reducing maintenance cost – Test automation allows you to change and update testing methodology, reducing maintenance costs
  6. increasing the speed of the test execution – Test automation allows test experts to focus on more challenging, case-specific tests while executing redundant and lengthy test cases
  7. reducing manual intervention – Test automation can run with minimal manual intervention, which can be long, prone to errors and tedious
  8. analysing involved risks – Test automation analyses involved-risks delivering accurate results within the stipulated time

Conclusion

Having a successful testing strategy and framework can impact your business and organization in many ways. Test automation encompasses more comprehensive testing allowing you to accomplish complicated test automation tasks easily. A right automation strategy promotes the reused cases of critical components and improves employee productivity. The test automation strategies help in understanding business objectives and defining the product development goals.

Yethi’s well-managed Test Centre of Excellence can efficiently handle the test resources and infrastructure while ensuring the quality of applications. We help you meet your business objectives and product development goals with our test automation strategies.

Our proprietary 5th generation codeless test automation tool – Tenjin is an intuitive automated test suite. We have a test repository of 450k+ test cases, which help us to offer you high test coverage throughout all aspects of digital transformation and application testing like functional, UI/UX, performance, compatibility, security, geo-based and network testing. This smart tool blends with all test automation framework facilitating end-to-end testing like unit, regression smoke, integration, cross-browser and many more.

Importance of Data in Test Automation

Importance of data in automation testing

Software development comprises of phases like gathering requirements, building, and testing the software followed by installation. In the development phase, the software may be exposed to all possible bugs and defects owing to human errors or technical glitches. Testing helps in detecting those errors and execute testing without any technical issues to ensure an outstanding customer experience.

A thorough software testing means checking all the components and elements of applications. The testing phase also includes all possible test case scenarios to extract accurate information and design the test cases considering the requirements. There can be a severe impact on the overall test process based on the type of data we select for test cases.

What is Test Data, and why is it necessary for testing?

To prepare test cases for software testing it is essential to select the right set of data. Test data is the data which are used to test the quality of the software systems. There are many ways to get the most appropriate test data for application testing. A skilled tester will be capable to source or produce test data to execute software testing to validate software performance and compare the desired results with the outcome.

Likewise, when we need the right set of data to evaluate quality of the software, we may also need data to test negative scenarios. Carefully choosing data will help in avoiding unexpected, unusual, and extreme results. If users enter the wrong information, the test case scenarios, which have been prepared out of most relevant data will continue to provide the most apt search result.

The production test data works best with a proper simulation of the real system during the testing phase. Ideally, both production data and synthetic data are used for testing, but in certain cases, production data is masked before using it for testing.

Why data is the key to test automation?

  • Test Data serves as the input, which is mandatory to test the application
  • Feeding the test data helps in validating the output if it is correct
  • Test Data selection helps in verifying different scenarios in testing
  • The test results are based on the inputs we feed in the system
  • Test Data is useful for the users to define the outcome
  • Test Data enable developers to track issues during the fix
  • Test Data confirms that applications provide expected result based on the input
  • Test Data allows you to be focused on systematic ways of feeding the data to the system
  • Test Data aids the tester to record the test case for future reference and data re-use

Types of test data and their importance

  • Valid Test Data:

Valid Test Data are supported by the application and helps in verifying the system functions and receiving an expected output whenever input is provided.

  • Invalid Test Data:

Invalid Test Data ensures that the application is working correctly. Including unsupported data format when these invalid values are provided for testing the application shows an error message to notify that the data is improper to function.

  • Boundary Test Data:

Combining the boundary value of an application, this type of data helps in removing defects that are connected while processing boundary values. However, these data are enough to handle applications. If the testers violate the process, then it may break the application.

  • Blank or Absent Data:

The files that do not contain any data and help in verifying the application response when no data is entered into the software is called blank or absent data.

Different ways that the test data are prepared:

  • Manually creating test data:

This method of test data generation is the simplest. It includes valid, invalid, null, standard production data, and data set for performance. It takes a longer time to generate test data manually with less productivity. A skilled testing team can create this test data without any additional resources. Lack of strong and in-depth technical knowledge, the testers would generate data with errors.

  • Using back-end data:

Back-end data generation helps in using back-end servers with a database and procure the data quickly. In this method, the need for having front-end data entry is removed. There is no need for technical expertise to create backdated entries. However, if the technology is not implemented, it might have an impact on the database and application.

  • Automated Test Data Generation:

Automated test data generation is most suitable to achieve excellent results with a high volume of data. The benefits of this kind of report generation are that a high volume of data is obtained at high-level speed and accuracy. The speed of delivering output is fast without any human intervention. 

  • Using third-party tools:

Using third-party tools makes it easy to create and extract data in the system. These tools have complete knowledge of the back-end applications and are built with a purpose to procure the data real-time with high accuracy. The test cases are built for future references that enable to execute test cases based on previous test case scenarios with accuracy and speed.

Challenges of test data sourcing

  • Accessing tools for achieving data sources can be an issue if the testing team does not provide permission to access the link. 
  • The lack of adequate and right tools can pose a challenge to source the test data.
  • The defects or bugs need to be identified at the earliest to run the testing for the software.
  • The testing phase may run for a longer time as most of the data are created during the execution phase.
  • Not all testers are skilled enough and have in-depth knowledge to create alternate test data solution for test data management.

Ways to control test data

Test data determines whether it is working as per expectations. Following are the ways to control test data: –

  1. Discover and understand nature of test data
  2. From multiple data sources extract a subset of production data
  3. Mask sensitive test data
  4. Compare the expected with actual result and automate the results
  5. Finally, refresh the test data

Conclusion:

Yethi’s team consists of experienced quality assurance professionals exclusively focused on the BFSI industry. We have in-depth knowledge of the domain and technology systems supporting it. We help many marquee organizations to achieve their business objectives within the stipulated timeframe, without compromising on quality.

Yethi’s flagship 5th generation codeless test automation tool – Tenjin is an intuitive automated test suite. We have a test repository of 450k+ test cases, which help us in providing cross-platform testing across multiple devices and networks with high test coverage throughout all aspects of digital transformation and application testing like functional, UI/UX, performance, compatibility, security, geo-based and network testing. This smart and intuitive tool can switch between API’s and the GUI, making it a perfect testing tool for regression testing in open banking applications.

Automate Cross Browser Testing

Automate Cross Browser Testing

Developing applications for banking and financial sectors is essential, as it enables organizations to meet their customer needs and expectations. The Covid-19 pandemic has accelerated the process of digitization and rollout of new digital applications.

A developer does not just develop an application and release it to the market. Considering its use and relevance, they need to test applications at multiple levels. One such test is Cross Browser testing that allows the development and testing team to ensure that the application or software functionalities remain same or are easily adaptable to each type of environment whether it is a web-based or mobile-based application.

What is Cross Browser testing?

An application is developed based on consumer’s requirements. To be able to access applications across multiple web browsers is the first criteria. Cross Browser Testing is the process to verify the application compatibility across multiple web browsers. Cross Browser Testing is done to check performance of applications across various web browsers, devices, and platforms.

It plays an important role in ensuring superior performance and compatibility of the software on available range of browsers, devices, and operating systems. Through Cross Browser Testing, business owners make sure that the end-user expectations are met across different web browsers and the application is compatible enough with multiple browsers for obtaining stable business.

Types of Cross Browser testing

There are two types of Cross Browser testing:

  • Automated Cross Browser Testing
  • Manual Cross Browser Testing

Why do you need Cross Browser Testing?

Cross Browser Testing ensures that performance of the software is outstanding across all browsers, devices, and platforms, and end-users receive similar web-experiences on different platforms. If there are any differences specific to browsers, Cross Browser Testing can identify and overcome them. As users browse content on various devices, it is essential to have uniformly excellent user experience across different platforms.

The manual Cross Browser testing and automated Cross Browser testing have their benefits and different processes to be implemented.

Benefits of Automated Cross Browser Testing over Manual Cross Browser Testing

Manual Cross Browser Testing is a slow process and can be extremely time-consuming when it comes to testing multiple functionalities across different web browsers, devices, and operating systems. The manual process in this case will not be able to live up to the expectation.

Automated Cross Browser testing allows you to create automated test scripts, run the tests and compare the actual results with expected ones. It is exponentially faster compared to manual Cross Browser testing. However, automated Cross Browser also requires creating initial test scripts manually, thereafter the process is fully automated. These test scripts can be executed multiple times across various browsers. To complete the Cross Browser test execution process in minimal time is the main objective of automated Cross Browser testing.

There is a greater dependency on automated Cross Browser testing as it has reduced the human efforts in testing web applications by more than 70%. While 30% manual effort is still required for selecting an efficient automation testing tool, writing the initial testing scripts, and then performing the test execution using those automated scripts.

The benefits of automated Cross Browser testing are:

  • It saves time and money by choosing automation testing for running repetitive tests of an application over various browsers, devices, and OS platforms. When you are running repetitive tests repeatedly and daily across different platform, automated Cross Browser testing is an ideal option.
  • The existing test cases can be reused multiple times, whenever a new code is introduced in the software or some changes are being made. As a chunk of test cases are executed repeatedly, automating regression testing becomes extremely important. Every time new functionality is incorporated in software it requires to go through regression testing. Automating regression testing saves time and effort.
  • While testing a web application, one needs to consider multiple scenarios including UI tests, field-level validations, module-wise functionality and more. Based on the type of scenarios, test cases could be long or short and could have a high impact on Cross Browser testing. Test scripts that are developed using the automation tool can be efficiently used for regression testing allowing for better test coverage through automation testing.
  • The manual process of Cross Browser testing is not accurate and is less reliable. As test cases are executed by multiple testers, there can be errors. Automation testing allows you to execute similar test cases multiple times without any errors maintaining accuracy even while dealing with complex functionalities.
  • Testers can pick their preferred language while creating automated test scripts.
  • Automated Cross Browser testing allows you to detect bugs quickly as multiple test cases are executed within a few hours. Since automation facilitates fast test execution, there is ample time to detect and fix bugs.
  • Automated Cross Browser testing allows you to utilize your resources effectively and efficiently. The need for resources to execute test cases is reduced, eliminating the need for resources.
  • Automated Cross Browser testing allows you to execute the same test cases multiple times across different browser combinations.

Conclusion –

Yethi’s flagship 5th generation codeless test automation tool – Tenjin is an intuitive automated test suite. We are led by a team of functional experts, who can conduct testing without relying alone on technical resources. We help our clients achieve their business objectives within the stipulated timeframe, without compromising on quality.

We provide cross-platform testing across multiple devices and networks with high test coverage throughout all aspects of digital transformation and application testing like functional, UI/UX, performance, compatibility, security, geo-based and network testing. Agile, granular, and multi-system test capabilities, Tenjin can interact with multiple applications through APIs. This smart and intuitive tool can switch between API’s and the GUI, making it a perfect testing tool for regression testing in open banking applications.

Importance of Continuous Testing in Continuous Delivery and Integration

Importance of continuous testing in continuous delivery and integration

The quality of software can be determined when it adapts to changes and promptly responds without any delays. However, overtimes with extensive use the code may change, and manual testing needs to be conducted again to identify the impact of these changes on the functionalities of the system.

A software is manually tested at the software development stage but comes with several drawbacks as follows:

  1. Manual testing of regression packs delays the release of the software. It takes weeks and months to get feedback from the developers as the written code is tested. The entire process is relatively time-consuming and expensive.
  2. Even the most advanced and expert testers may not perform regression testing with accuracy. It might be hard to detect the impact of the set of changes in a complex software system through inspection.

All about Continuous Delivery

Alongside code writing, it is equally important to focus on quality during continuous delivery. Testers work closely with developers to help them create unit tests. They start by writing code to automate the small number of tests that cannot be covered by unit tests. Continuous delivery allows us to rapidly test product with our users and collect data on the possible outcome. Continuous delivery enables you to carry out experiments quickly in the on-going production stage.

With continuous delivery, there is no need to ensure quality of software at the end of the development cycle before its launch. The code goes straight to production allowing for quality check at the same time it is created. The testers closely work with the developers to ensure that the quality is maintained.

Automation propels testing and focuses on the quality of the applications, and so most of these applications are tested in the unit testing phase itself. The tested code is deployed at the production stage for continuous delivery as soon as it is checked into source code management and passes a deployment pipeline.

Why Continuous Testing is important?

Developing software and testing them are not two separate activities, but a part of the same equation. Hence, testing should be performed simultaneously along with developing the application. Automation like test automation, deployment automation, and environment automation allows you to execute these changes faster with minimum effort.

Application and systems need consistent updating of test documentation to keep it ready with the changes in the applications. Many different types of tests, both manual and automated, need to run continuously throughout the delivery process. Followed by continuous delivery and integration, continuous testing automation is included in the deployment pipeline. The deployment pipeline allows creating packages that can be implemented in any environment and runs unit tests, providing feedback to developers.

These test packages need to pass comprehensive automated tests that run against them. These packages are available for self-service other environments for activities such as exploratory testing, usability testing, and ultimately release after they pass all these automated tests. Automation testing is important for continuous delivery, which is followed by continuous deployment. Hence, it gives rise to the need for continuous testing to keep a track on changes.

In the deployment pipeline, the changes are implemented simultaneously with continuous integration during product release. If the common defects are not highlighted in the deployment pipeline, it could delay product release. However, some tests are improved and updated in the pipeline if defects are detected later. The focus here is to find the issues as early as possible to reduce the release time of the product.

How Continuous Testing can improve Continuous Delivery?

Implementation of continuous testing in continuous delivery can benefit your delivery pipeline. The following are the points that would explain how continuous testing can improve continuous delivery: –

  1. Executing API, UI, and Performance testing along with Regression testing will ensure the quality of the app in various customized cases. Continuous testing will allow the developers to perform a live test of the implementation, functionality, and behaviour of their code with testing tools.
  2. The DevOps team can implement parallel tests with automatic notifications after making the necessary configurations to the CI environment. Testers can notify developers whenever there is a failure in any build component. Testing of all changes can be done automatically using continuous integration.
  3. The QA team can verify and validate the product quality by running regression, load, and functional tests deployment. The automation testing will be continuously carried out if the test module configuration is correct. In case if there is a build failure in the system, it can be fixed by manual testing.  

There are some best practices for continuous testing in continuous delivery:

  1. Continuous testing enables you to test operating systems and devices before production. It saves money in the long run as instead of running a large volume of test cases, load tests implemented every day at specific target areas reveal smaller bugs and fix them immediately.
  2. Accurate results can be obtained conducting test simultaneously during the development phase as compared to running tests in a controlled lab environment.
  3. Detecting defects and fixing them will be much easier and can run at the same time if the entire test suite is divided into several smaller tasks.
  4. To have adequate knowledge and detect the issues or discrepancies in app architecture and test automation, the metrics must be properly used. Proper use of metrics can also help up to prevent the risk of failures and its impact.

Conclusion

Continuous deployment and continuous delivery require a well-structured and planned environment for continuous testing. In absence of which CI and CD effort would not be successful. At Yethi Consulting, we follow an agile test automation framework. Our scriptless test automation platform, Tenjin, is a plug-and-play banking aware solution. Its robotic capabilities enable them to learn and adapt to the application and its updates. Regardless of the complexity and number of updates, Tenjin facilitates continuous testing, minimizing the manual effort and speed up the test execution.

All About Crowd Test Automation

All About Crowd Test Automation

The world of mobile apps is vast and competitive.  The quest for user attention requires significant investment in ensuring apps are accessible, easy-to-use and cause-no-harm.  In house Quality Assurance practices and rigor allow organizations to iron out a majority of the kinks in their applications.  While such practices allow us to understand app stability and performance in a controlled environment, if your app is to be used by millions,  you would be well advised to look at a more real-world simulation with all its uncertainties before seeking out paying clients.

Crowd Testing allows you to invite a wide team of professional or amateur “testers” to use your application in a “real-world” environment, allowing you to monitor its performance across diverse scenarios.   

1. Beta & Compatibility testing

The final steps for testing are beta testing and compatibility testing. The in-house testing can hint at possible defects, but the scope of crowd testing is much wider and elaborate. The in-house testing team would lack in resources and time and may tend to overlook for complex areas. A specialized crowd testing firm follows a more recent trend such as cloud computing or BYOD (Bring your own device) resulting in compatibility across varied configurations.

2. To test wide Usability

When you are addressing a wide market and seeking for tangible data, crowd test automation is the most appropriate solution. It gives access to data like how the product is used, how the interface is navigated, which feature gets more engagement and so on. Crowd test automation helps you in procuring viable feedback maintaining your budget constraint. It covers wide provincial usability.

Benefits of Crowd testing

  1. Diversity

With the diversity of language proficiency, level of expertise and experience, crowd testing team has a wide range of attributes, which in-house QA team lacks. Rest assured that organizations will get an unbiased approach as the software will be assessed by a team who has not developed it. Moreover, there would not be an unnecessary compulsion of getting the desired result over an actual one.

2. Hardware and environment variety

Crowd testing allows test automation to be carried on a variety of devices, considering many real-world environments. Multiple testers in the crowd testing would be using a diverse set of devices to run the software. There is likely to be different form and factors of hardware and operating system. Crowd testing team use their skill, knowledge, and expertise to discover functional and user experience limitations in products and platforms. This practice provides real user testing in highly varied real-world conditions at an extraordinary scale and efficiency.

3. Efficiency & Scalability

Crowd testing is just not limited to hardware and software combinations big consumer software corporations but equally beneficial for the smaller or non-consumer-facing software companies. The organizations can test their software at scale in real-world conditions. This practice makes companies be more prepared and confident about what they release in the market. 

Crowd testing can be conducted based on-demand. It is flexible and whenever you need them, you can avail it by implementing a complete and final test cycle without pulling your resources out from different projects. But in case crowd test is set-up on regular basis it would be able to keep up with the need for continuous development cycle. Continuous testing would run parallelly to continuous integration and delivery.

A quick look at some of the benefits of crowd testing:

  • The crowd testing is available 24/7
  • It provides a fast and unbiased continuous testing source
  • It provides valuable feedback on the functionality and user-friendliness of your websites, mobile apps, chatbots, or games from an end-user perspective
  • It is customer-centric
  • Its emphasis is in the testing and development of user interfaces and visual
  • It is flexible, scalable, and quick for your digital software development

At Yethi Consulting, we offer intelligent testing services covering end-to-end product and testing solutions. Our flagship 5th generation codeless test automation tool – Tenjin is AI-driven. It is developed with new technology in automation testing for core banking application and includes a repository of 450k+ test cases for banking application in software testing. Our no-code less code capability of AI-driven test automation tool releases you from the restrictions and limitations of your development process. With seamless integration and performance, Tenjin can run on multiple devices and operating system, reducing your cost, time, and human effort. We are making the process of continuous testing simple, affordable for the agile and continuous delivery team.

Importance of Artificial Intelligence in Banking Software Testing

Importance of Artificial Intelligence in Banking Software Testing

The current 5 years ongoing trend speaks of 50 million deployments in 2015 annually, which if broken down would be one in every second. There is no reason not to believe that by the end of 2020 and beginning of 2021, the number of software deployment would certainly rise. Can you afford to release your software without being tested? No, you cannot.

Testing software before its release has become a conventional choice for software developers and testers. Building a feature-enriched application does not just end with development, it extends further beyond checking the features and functionality to ensure that your banking and financial application breathes life with flawless performance and integration. Right from testing the application acceptance by customers to identifying the defects and fixing them, testers monitor the entire software development lifecycle.

Testing allows you to protect your financial applications against potential failures and risks involved during its implementation. Software testing has a larger purview, as through APIs, one application interacts with another. As testing moves towards automation, it aims for higher accuracy and a leap towards digital transformation.

Improving Software Testing with AI

We are now progressing towards Software Testing powered by Artificial Intelligence with the growing need of achieving rapid and error-free results through automation testing. The entire foundation of AI-based software testing thrives on data, computing power and robust algorithms. In contrast to manual testing, AI-based automated testing enables the machines/system to execute the test codes automatically and respond better with minimal human intervention. AI empowers machines to learn and improve with very less human cognitive input. AI is a step ahead, which allows the software to test, diagnose, and heal itself.

Why AI is important in banking software testing?

  • Software testing requires developers to acquire possible combination of data, which could be a time-consuming and strenuous task. AI can smartly recognise the available data combination through automation based on repetitive patterns of data access.
  • Software testing requires more time, human resources, and investment. Artificial Intelligence can be a suitable option for developers who need to deploy the financial applications promptly, even with inadequate infrastructure.
  • Since testing is mostly checking the data repeatedly, which already exists in the banking software and has been running in close succession, AI can efficiently help in automating testing processes with minimal human effort, cost, and time.
  • The developed applications can recognise the issues and create unique and innovative test environments with the help of Artificial Intelligence. This leaves room for AI to automate the testing of repetitive tasks and leave operations to human creativity and reasoning ability.
  • The repetitive task not just requires extensive human effort and time but is also prone to errors and inconsistencies. AI-based automated testing will help in eliminating these testing irregularities.
  • Artificial Intelligence algorithms can be extremely helpful for testing banking software, ensuring its efficiency, and making it smarter for the end-user. AI algorithms imitate human actions and operate accordingly. Applying machine and deep learning algorithms can optimise the process with Artificial Intelligence.
  • Testers can detect bugs more efficiently in less time by using a smart algorithm making the application more reliable and accurate for users. Developers can use these outcomes to improve the product and learn through errors.

AI advantages in software testing

Artificial Intelligence-based testing provides solutions for problems that may surface during manual testing and are subject to frequent changes. AI testing saves time and money facilitating faster delivery to the market. With very less human intervention, software testing can be steadily conducted using artificial intelligence can be done steadily without much human intervention. Using artificial intelligence software automated testing tools yields high productivity. Testing software requires performing the same test steps repeatedly. AI-empowered testing tools enable you to execute these repeated testing more accurately and provide a detailed result and feedback every time the test is executed. AI-based testing improves the test scopes and software quality, enhancing the overall test coverage. As compared to human testers, AI bots can produce hundreds of test cases based on customer requirements.

Continuous Testing with AI

Previously, software was released annually, bi-annually, or quarterly; presently there are monthly or even more frequent releases. Developers and testers are now embracing Agile and DevOps method to accelerate the product launch process. To resolve errors and defects in software, which may arise because of quick market release, organisations are implementing continuous testing for uninterrupted performance to ensure user acceptance. It involves testing software early and often, ensuring that your customers enjoy an outstanding user experience. The gaps in testing applications at the complete phase of software development lifecycle, and later releasing it in the market can be bridged by continuous testing. But over time if these gaps widen then it will be necessary to take a step ahead.

With constantly reducing timeframes of software releases, continuous testing may not be enough to keep up the pace of faster delivery. We would need strong and intelligent additional support to be able to provide outstanding performance speeds and uninterrupted user experience. AI and Machine Learning are well-equipped to expedite the complicated phases of simultaneous software development and testing. Tasks that require human learning and reasoning abilities to automate will be made easier with AI techniques.

Concluding AI in Banking Software Testing

The rise of AI and full-stack frameworks can control increasing technical complexities and the rate of changes in software at its development phase. As the capabilities of AI are constantly evolving in software testing, we at Yethi, deliver accurate, extremely rapid, and high-efficiency testing capability with our 5th generation AI-driven codeless automation testing tool-Tenjin.

Its intuitive features can help you to reduce the regression testing load, repeated testing of the same set of tests, and launch your product within a strict timeframe. With a repository of 450K+ test cases, we can cover end-to-end testing of your applications, saving you time, money, and effort. With over 6 years in the industry, we have built our reputation by offering complete QA solutions and support to our 70+ BFSI clients across 17 countries.

Mitigating Challenges in Banking Application Testing with Right Automated Testing Suite

Mitigating Challenges in Banking Application Testing with Right Automated Testing Suite

Leveraging digital technologies help to provide superior customer experience and bring greater measurability to internal processes. However, digital transformations are marathons and not sprints. With constant innovation in technology and changes in device platforms, there has been a growing magnetic pull towards “self-service” banking.

The growth of OpenBanking (PSD2, UPI etc.) is increasing competition for user data, and the one that has the better UI, features and more will acquire more customers with their faithful data.

With rapid changes, the diversity of digital platforms and the growth of third-party service providers, banks cannot help but invest in ensuring that their applications are of high-quality and feature enriched. This would require investing early in process and infrastructure to allow frequent and fast validation of the digital platforms.

Gone are the days when manual testing was conducted to check if applications worked well. It is no longer feasible to depend entirely on manual testing to meet the demands of 24/7 uninterrupted banking services. With constant and unprecedented changes in the overall banking technology framework and architecture, banks must quickly build, deploy, and operate applications to stay ahead of their game.

According to BBVA by adopting automation for their API products and services, “banks can reduce costs between 20% and 50%, workflows are facilitated in IT departments, better risk control with reduced human error in operations and a more efficient collection and data analysis for decision making”.

Why do you need automation testing?

  1. Automation is an investment to yield results in the near term by reducing future workloads, ensuring faster turnarounds of your application builds, validating basic functionality and possibly complex features as well.
  2. Automation Tools are complex to use and tough to maintain. Your ROI can be determined not by the initial cost and effort, but the cost of maintenance of fast-changing and modification of application features.
  3. Teams need diverse skill sets – Programmers must be paired with functional experts to achieve automation. Programmers must be familiar with automation tools, which otherwise could make your available resource pools shallow.
  4. Platforms – Self-service customer facing digital applications need to work on multiple platforms. Therefore, they need to be tested on multiple platforms. Automation will help reduce repetitive work or regression test burden.

Furthermore, with digital transformation, there has been a considerable increase in application workloads. The integration between legacy back-end systems and new applications involves complex processes and middleware platforms.

Testing such complex architecture involving multiple systems, channels, and processes comes with its own set of challenges. While the move towards automated testing is a step in the right direction, banks will need a definitive strategy to successfully adopt automated testing.

The challenges that the banks face during automated testing, include:

  • Following customer journeys

Technology landscapes in banks are complex. Digital platforms hide the complexity for end-users. However, ensuring these platforms remain accurate requires traversing the complex landscape of diverse applications. Automation platforms chosen should be able to address these complexities and resolve them.

  • Deciding the approach to automation

At the core of any banking technology framework there are very few applications that handle 80% of transactional loads. At first banks will need to automate these core applications to achieve greater efficiency and eliminate redundant processes. The changes/upgrades to these applications happen on a constant basis, requiring extensive regression testing.

Additionally, banking processes require testing of numerous data scenarios. Banking applications have multiple touch points interfacing with various channels and systems that makes testing a challenge.

  • Managing test data

Testing is ‘Business as Usual’ to ensure mission-critical applications are up and running always. Data management is another big aspect of testing. Banks must perform different kinds of testing on huge volumes of data across multiple environments. Performance, load, and stress testing require humongous amounts of data, sometimes going past the production data volumes. With automation, test data management needs to be highly organised and well planned.

Test automation solutions come with built-in simulators and test data repositories. Such features help to generate, structure, and store test data and use them as and when required. Banks need a test data management solution that performs the following:

  1. Generates synthetic test data that meets the compliance and regulatory requirements
  2. Data masking feature to mask sensitive information of production data
  3. Data transformation & ETL features to test complex scenarios, interface between legacy back-ends and other systems

  • Planning regression testing

Regression testing must be highly consistent. Whether introduced changes are minor or major in nature, the applications need to be tested extensively. To ensure no existing feature is broken or to avoid any eventful news headlines, regression testing needs to be automated.

As complexities in banking technology framework increases and with agile in software development lifecycle (SDLC), regression testing becomes a must to adopt.

A report by PWC highlights that 21% of defects are not identified until after the software goes live putting more light on the need of regression testing. With automated testing, regression tests can be scheduled and initiated with very fewer manual interventions. This allows the QA team to focus on other complex testing scenarios.

  • Launching application/products in time

Being a first mover in highly competitive markets has its own advantages. Similarly, many financial institutions offer on-demand and real-time services. These applications will also need to be developed and tested in rapidly evolving environments. In such scenarios, the right testing solution can save time and speed up the process of deploying applications in the production environment.

  • Need for reporting for greater visibility & transparency

With automation, proactive and preventive actions become seamlessly possible. With outcomes of test results in real time, development teams can plan for fixes and functionality changes. Additionally, update of test results provides an opportunity for product enhancements. With activity tracker, the complete process workflows of testing can be analysed, and bottlenecks can be identified with ease. For instance, if there is an issue in network connectivity or high latency or unsuccessful data transformation, such issues can be determined with precision. Real-time reports also make it possible to meet regulatory and compliance requirements in time.

In light of the PwC Report ‘An Ounce of Prevention, Why Financial Institutions Need Automated Testing’, it is established that 21% of defects in the software remains unidentified until after the software goes live.

Thus, organizations have an obligation to insist on unassailable software testing. Test automation is the way forward for financial institutions to remain competitive and agile. Tenjin has been specifically designed keeping in mind heterogeneous banking environments and ever-changing requirements.

To know how Tenjin can help your bank, request a demo today.

Challenges to address

1. Follow customer journeys across all technology platforms.

2. Reduce or eliminate programming in Automation by reducing errors and maintaining efforts.

3. Plan for data controls and pre-determined data strategy can significantly reduce the rework.

4. Adequate planning of skillsets for programmers, BA, and testers is mandatory.

5. Integrated Infrastructure like automation, platform, reporting, etc can help reduce overall workload during a critical run test phase. Planning and investing in this upfront reduces time and effort as you move forward.

Discover the Test Data Management Techniques in Banking that empower Software Testing

The Growing Need for Test Data Management

Early in 2018 four major Banks in the US had clients up in arms when, for several hours, banking services were not accessible via their mobile banking apps. The interrupted services were attributed to a major spike in traffic due to it being payday. Notwithstanding, reputational damage had been done to the banks and, adding to their woes, a social media tirade on platforms like Twitter, where irate clients vented their frustrations and further lambasted the banks, ensued. The experience of these banks again highlighted the importance of software system testing in banking and financial services. However, software system testing is only as good as its test data management strategy, which should be adopted and implemented to:

  • Manage test and development processes to meet testing and application development requirements
  • Secure data and streamline cloning processes, delivering clones needed to meet upgrade and patch cycles as well as maintain data security
  • Identify appropriate replicable accounts and transactions from production to meet test criteria
  • Mitigate the threat of identity theft concerns among consumers and regulators
  • Improve turn-around-times during system upgrades through improved planning of data refreshes and overall data utilization.

The importance of test data management in testing

At its core, data management is the science of creating and maintaining the data sets generated by software system testing, driven by cause-effect relationships, producing predictable outcomes and responses. These data sets can be generated entirely by the tester, by simulating each stage of the customer or transaction journey, producing what is called synthetic data. Alternatively, data generated by actual transactions and previously recorded is called migrated data, providing authentic sets. Each of these forms of data generation has its value and challenges.

Synthetic data needs to be interoperable, able to account for diverse systems in varying environments without diluting the complexity of inter-relationships. Besides, the data needs to be refreshed and valid for multiple rounds of testing and if in an automated environment, should not need to be updated by manual intervention. Migrated data, in turn, is drawn from authentic transactions has limited reusability across different test-cycles, hamstrung further by data confidentiality obligations.

Mitigating the risks inherent in Test Data Management

Implementing a Test Data Management strategy requires that several risks and their potential impacts be considered. The complexity of the data, structured or unstructured, whether the databases are new or from legacy systems and how the data is stored. If kept in multiple environments, it may have the added challenge of access sensitivities and potential confidentiality breaches. Assessing the time available for data discovery, its generation and management is another factor that is paramount in ensuring representative samples are obtained. Besides, test data management requires different types of data for different types of testing, from performance through to user acceptance testing, so data needs to be organized correctly to fit within the required time and budgetary constraints. Another potential risk is the measure to which the organization operates in a distributed multi-supplier or outsourced environment, with multiple users accessing the data in multiple locations. Operating in such an environment also highlights the importance of data security and protection. As a standard, new security protocols will be required as well as staff training, highlighting the importance of protecting live production data as well as guarding test environments.

Empowered Software Testing through Test Data Management

Given the dynamic nature of the banking environment and the need to ensure optimized and efficient process continuity, any process that does not facilitate this expediency will have a negative impact on the entire system. Accordingly, if the process of choosing, interpreting and scrutinizing test results is time-consuming, arduous, and requiring specific knowledge of underlying applications, it will have a direct negative impact on the entire system. The time it takes for reporting and information sharing in an organization can also be a significant factor in the efficiency of the entire organization.

To meet these dual needs of time and efficiency, banks should implement the following test data management techniques, while taking care to mask sensitive information:

  1. Database cloning through the copying of production data
  2. Data sub-setting by substituting production data when appropriate, &
  3. Synthetic data generation, through the production of synthetic data based on a clear understanding of the underlying data model, which requires no de-identification

Yethi, a leader in software solutions and quality assurance in global banking and financial services has developed substantial expertise in creating end-to-end enterprise-wide test data management services which include data quality assessment, data masking, data subset, data archiving, data cleansing and data optimization. Yethi also assures that through rigorous control the thorough management of test data is ensured, beginning with quality assured consistent data. Data security and privacy are also safeguarded, while storage requirements and software costs are significantly reduced.

8 reasons why a Programmatic Bank Software Test Automation Project fails

Reasons why a Programmatic Bank Software Test Automation Project fail

Software testing in the banking industry is an important exercise performed to accommodate and reflect operational changes. Given the surge in use of banking applications and technology, the industry is dependent on testing. While manual testing is still required to test the application before it goes live, automated testing helps reduce time to market and improves the quality of the application in the production stage.

While automated testing tools make testing easier, they come with their own set of challenges. Test automation projects require unique scripting skills that testers sometimes lack. The most demanding phase of an automation project is the initial stage when tools are set up and test scripts are written.

Even when an automated testing solution is implemented, chances of failure often frustrate banks. This is mainly because of the flawed implementation of the solution or investments in automation failing to deliver on their promise.

Let us look at other reasons why a bank’s software test automation project fails:

1. Automation testing requires special programming skills

Testing an automation software solution requires unique programming skills and most testers come with domain and application knowledge. Consequently, they struggle with testing automated software. The solution is to use a script-less automated testing software for better efficiency.

2. Timely reflection of changes

Another reason for automation projects to fail is that the changes, be it by the regulatory authority or product updates take too much time to reflect on the bank’s system as well as the third-party systems.

3. Underestimating the complexity of the automated testing tool

Most automation tools are tested to handle simple cases with 5 or 10 screen workflows. When it comes to a banking solution, there could be over 5,000 screens with over 50,000 fields. This could be challenging for even the best automation solution. It could further lead to wrong ROI calculations and pose some serious technical challenges while dealing with different technologies of the bank’s underlying applications.

4. Inflexibility in testing

Factors such as dual authentication can be frustrating in the testing activity. Not solving this issue can be one of the primary reasons why a bank’s software testing automation project fails.

5. Use of various technologies

Most banks have diverse applications in use, on various technologies. Accommodating changes on all the user interfaces and APIs requires handling multiple UI types –web, desktop, and mainframes. Failure to do so could mean failure of the automation project.

6. Choosing a wrong protocol to automate

While planning an automated testing activity, one must plan the testing activity and the test process efficiently to see which is the process that needs manual testing and which ones could be automated. Any wrong move in planning can result in failure of the automation testing project.

7. Not being able to reuse the testing solution

As a testing solution has a higher initial cost, banks must plan in such a way that the same testing solution can be used for multiple functions and must be easy to navigate.

8. Having no validation

A testing solution must make room for validation—validating the software at the end of the development process to see if the software meets the expectations and requirements. In the banking domain, the testing solution must be able to test loan schedules, interest charged, charges, accounting entries, exchange rates, messages, and client communications.

Failure to do so could cause the automation project to fail. It all boils down to this—plan proactively and do not underestimate the tool, the deadline, and the resources to ensure the success of the testing project.

A script-less easy-to-use automation solution can help banks meet their testing needs. The Tenjin Automation Suite makes uninterrupted banking operations a possibility.

Learn more about Tenjin here

Difference between manual testing and automation testing

Difference between automation and manual testing

Testing software is important before its launch. Testing an application ensures that it meets the objectives to which it was designed. With the frequency of changes to software increasing, the percentage of tests for “new features” progressively diminishes.  Teams are increasingly spending time to ensure existing features continue to work.  Therefore, the practice of automating tests to reduce the “regression” burden has steadily increased.

What is Manual Testing?

A QA Analyst executes manual testing to detect bugs or defects found in software at the development stage. Software is built with several essential features. A skilled and experienced tester checks all these features, execute test cases and generate reports without the help of any software automation testing tools. This traditional method helps in detecting bugs in software systems. To accomplish the software testing process, it is conducted by the experienced testers.

Benefits of Manual Testing

  • In manual testing, the testers execute test cases manually without any support from tools or scripts. Manual testing allows you to detect the errors.
  • Manual testing allows you to explore a little more possibility. Ad hoc testing allows trying different avenues of detecting errors.
  • Manual testing can eliminate the errors, which automated testing fails to detect.
  • Manual testing is useful when automated testing is not technically possible or is not cost-effective.
  • Manual Testing can help you to detect the issues better, identify the whole problem and fix them.

What is Automation Testing?

Automation allows the testing team to offload some of the test execution efforts to software to execute against a set of pre-determined inputs and validate against expected outputs. Automated testing is a pre-scripted test that runs automatically to help the tester determine whether the behaviour of the application is as expected. Automated testing lowers the run time of repetitive tasks or regression test execution. Automation is an investment that would reduce your efforts over a period of time.  Initially, additional effort and costs are required for procuring the software and creating the test scripts, thereafter it may run automatically with lack or no human effort. 

Benefits of Automation Testing

  • Automation allows the testing team to focus more on “new features” and reduces the repetitive, detailed oriented regression testing.
  • By completing tasks faster, any potential errors can be identified faster to enable faster closure of defects.
  • It reduces business risks by increasing coverage of the tests that you can perform within a given period-of-time. 
  • Ensures increased quality of test results by decreasing the necessity of fixing glitches after release and reduces project costs
  • It increases high test coverage leading to testing more features. Automated test cases can be used multiple times through different approaches
  • Automation allows you to detect software defects at an early stage so that the glitches can be fixed in a cost-effective way
  • Automation allows you to launch the product in the market faster while protecting the potential risks of data manipulation

Despite its benefits, many organizations do not fully implement test automation, either because of the initial cost or the efforts required to maintain the level of automation.   This is a case where the intangible benefits are equally important to the tangible benefits. 

Both manual and automated testing have advantages and disadvantages, and both forms of testing are equally important to get the best results of testing.  It is not a case of one or the other, but a question of using the right tool for the right task.

A few key differentiation are:

  • Manual Testing is done manually by an experienced QA analyst.

Automation Testing is done using scripts, codes, and automation tools by a tester.

  • In the manual testing process, there are possibilities of human errors.

The automation process is code and script-based, hence it is reliable.

  • Manual Testing is time-consuming.

Automation Testing is very fast.

  • Manual Testing is possible without programming knowledge.

Automation Testing needs programming knowledge.

  • Manual Testing allows for random testing.

There is no scope for random testing in the automation process.

What manual testing is best suitable for?  

Ad-hoc Testing: It is an unplanned method of testing. The important factor is the tester’s understanding and insights.

Exploratory Testing: This test is not possible without human skills. A tester must have the knowledge, experience, analytical/logical skills, creativity, and intuition to execute the testing process.

Usability Testing: Human observation is an important factor to measure user-friendliness, efficiency, or the convenience of the software or product for the end-users.

How to think about the complexity of the testing automation?

Application Under Enhancement Cost of automation is relatively low, ROI is moderate.  Reduce cost of automation build. Cost of Automation / Investment is high. ROI is also high. Reduce cost of maintenance.
Application Under Development Cost of automation build is high – repetitive builds. Focus tool on build / change management. Focus on API testing.
  Low Regression Load High Regression Load
Automation Testing Complexities

The differences between these two forms of testing are enlisted below to help you achieve quality output well within your budget and timeline.

Difference Between Manual Testing and Automation Testing

About Yethi:

Yethi has taken the enterprise software testing to the next level with Tenjin’s superior automated test suite. It is powered by an intuitive and path-breaking algorithm that automatically “learns” the software’s UI and “re-learns” any changes without manual assistance. We are led by a team of functional experts, who can conduct testing without relying alone on technical resources. We thrive to help our clients achieve their business objectives within the stipulated time-frame, without compromising on quality. With multiple test case instances, we have proved our technical capabilities.

Outsourcing User Acceptance Testing

Outsourcing User Acceptance Testing

User Acceptance Testing (UAT) Service ensures that a software continues to perform and provide you with expected outcome under all business scenarios. UAT is an essential part of the software development process, regardless of whether the system is developed in-house and purchased from a licensed firm.

The methodology of User Acceptance Testing is complicated because it is not always easy for a developer to understand what customers seek. The developers may misconstrue and edit specifications, which may not be useful for the customers.

User Acceptance Testing involves multiple stages and some companies may not have time, bandwidth, and experienced staff to conduct the tests. Under this scenario, it is extremely profitable to outsource testing to an experienced team of professionals who can perform all the stages of UAT without any errors.

Outsourcing the manual and automation testing work to professionals allow you to focus on your business priorities with an assurance that all your testing needs are taken care off by the professionals. It does not let you drive away your focus from the fundamental requirements of your business.

Business Challenges

The software testing cycle includes a few challenges. The common business challenges are as mentioned below:

  1. The reluctance of users to perform the test
  2. Lack of participation
  3. Allocating resources for UAT testing
  4. Improper test design and planning
  5. Untrained and inexperienced UAT testers

The advantage of outsourcing User Acceptance Testing

  • A team of experienced testing professionals with thorough knowhow of the business domain executes your project
  • Develops a thorough UAT strategy and improves the quality of your project outcome
  • Projects are successfully executed within strict deadlines
  • Not just developing, but a specialised outsourcing firm provides guidance and support for seamless implementation of User Acceptance Test plans
  • You can get access to a large repository of test cases and real-life scenarios based on your business requirements
  • Availability of well-defined models like the risk-based testing approach that aligns perfectly with the ever-evolving business needs and schedules
  • With a large pool of specialised consultants being available, there is no additional responsibility for hiring and managing internal consultants
  • Get relevant defect management based on your preferences

Steps of User Acceptance Testing Services:

Steps of User Acceptance Testing Services

Outsourcing user acceptance testing services reduce risk, ensuring customer satisfaction. UAT services comes is wrapped with the following features: –

  • Enhance the productivity of your team without hiring new resources
  • Get your UAT professionals, testers, and consultants to develop relevant test cases based on user/business requirements
  • Set up relevant defect management system as per customer preferences
  • Make informed decisions based on accurate reporting and proper communication protocol

Benefits of outsourcing UAT

Cost Management: Outsourcing user acceptance testing will help you to manage your budget constraint by reducing the costs. You can be sure of high-quality services at affordable prices.

Risk Management: Outsourcing UAT services can help you to minimize risks associated with operations, testing automation, test management and resource planning as only the domain experts can make a secured test plan to control the risk.

Time Management: In addition to cost and risk management, an experienced UAT outsourcing firm can help you with time management, which is an important criterion for your project inception. The domain expert understands your time constraint and takes care of your project from start to end.

Business Expansion: When you are outsourcing the user acceptance testing process, you will gain a competitive edge across the market. The experienced outsourcing firm can optimise the use of your resources and provide you with additional support to improve your delivery schedules and service quality.

Skilled Resources: You can get access to the skilled resources who are experts in their domain practice. This allows you to free your in-house resources and delegate them on your business priorities, based on their core competencies.

Why Choose Yethi?

With years of experience, we have developed solutions of varied scales and complexities for our BFSI clients so that they can conduct comprehensive testing and auditing of their services. Our team has helped the clients with error-free implementations whether they needed to upgrade or test the applications for new modules. We offer extensive solutions within the stipulated timelines by leveraging domain expertise and script-less in-house automation platform. We offer varied testing types to unlock their business potential through new avenues and enhance application quality while managing the budget and time constraints. Our experienced team has worked with multiple technologies to seamlessly implement a user acceptance test plan based on our client’s requirements. With a team of experienced UAT consultants, advanced tools, and testers, we ensure a quality to match your organization’s reputation.

Yethi’s achievement of being 6 years in the operation:

Yethi’s Achievement

  • 300 highly experienced consultants
  • Tenjin – 5th Generation Test Automation Accelerator
  • Structured test and system integration plan
  • Tested for quality and accuracy
  • Result-driven testing processes
  • Dedicated manager and BFSI domain experts
  • Cost-effective and time-efficient deployment
  • Customised testing services
  • Comprehensive support during test execution

Leveraging Automation and Outsourcing to Reduce Test Costs

Leveraging Automation and Outsourcing to Reduce Test Costs

Testing software before it is put to live is an important phase to ensure that your software is safe and user friendly. Testing software properly can help you to utilize your resources efficiently to lower down the costs significantly. Testing an application detect defects during the early stages of software development. It ensures the quality, effectiveness, and efficiency before the software is launched. With the increase in the size of the product, the size and cost of the test phase also increases. It is important to be careful and consider making decisions to plan intelligently throughout the process. The time and cost spent on testing the software may impact the overall cost and schedule of the software development stage. Hence it is essential to effectively control the efforts and costs of testing while ensuring there is no compromise on quality coverage.

Two key factors which can aid an organisation on this front are Test Automation and Test Outsourcing

Automation

Software test automation needs specialised tools to control test execution and compare actual results with projected ones much faster, and with high accuracy. There are plenty of repetitive actions that are undertaken while running software tests. The tests are automated with specialised testing tools, which helps in leveraging data configuration, installing products, GUI interactions, logging defects, and many more. An organization establishes a powerful QA program cost-effectively by leveraging test automation. The test automation is a leap from manual testing, which has a substantial impact on test automation ROI.

Key Parameters influencing ROI

Key Parameters of ROI

Benefits of Automation:

  • Lowers operating costs

Automation reduces the requirement of the dedicated workforce based on the task. It is an energy-saving activity that lowers the heating requirement as well. It also minimizes operation waste.

  • Increases ROI

Due to its lower operating costs, automation solutions can take care of your unique needs and goals. It reduces lead times, increases output and more.

  • Competitiveness

Automation allows you to stay in the competition, globally by decreasing cycle times and cost-per-piece and improving quality.

  • Improves production output

Automation increases production output as it has an ability to work at a constant speed, unattended, 24/7. New products can be introduced faster in the production process.

  • Ensures the product quality

Automation results in greater control and consistency of product quality.

  • Organizes process

A well-planned process and production stage can determine the time frame and required cost. It is best for projects that have time and budget restriction.

  • Seamless and easy integration

Automation improves your productivity as it can be easily integrated with your hardware, and software allowing you to take control of your process. 

Outsourcing

The companies now benefit from outsourcing the development and testing processes like test case executions, test script automation, and test case development tasks to offshore-based companies, independent contractors, niche QA companies, and system integrators. However, there are variations like some companies outsource manual testing needs, while other companies outsource testing tasks.

Benefits of Outsourcing Testing

Here are a few points that establish why outsourcing testing is beneficial for organisation:

  • Expansion and Delegation

Not all companies have adequate time size, the expertise of the existing testing team and the bandwidth to conduct ad hoc testing for software based on requirements. When there is an increase in demand for ad hoc testing, an outsourcing company can handle the abrupt surge and provide practical solutions with its large pool of diverse skillsets on various domains and platforms which businesses by themselves cannot support.

  • Automation

Often companies that invest in advanced test tools struggle to implement them.  Because of the lack of training and expertise to handle these tools test, automation may fail to get off the ground. In a few scenarios, the test tools may not be suitable for their intended environment. A few of the test tools may be resistant to changes compelling many companies to conduct their regression and functional tests manually. Understanding the need and the process of the testing automation, the outsourcing firms are well-equipped in providing consistent test results by avoiding errors.

  • Cost-efficiency

When it comes to cost-saving, companies always look out for options that would be economical as well as time-saving. The option of choosing a testing firm that has the right testing tools and an experienced testing team who knows how to use the testing tools is far more beneficial than hiring in-house testers that could be an expensive and time-consuming effort. Outsourcing firms ensure testing solutions that can leverage all other testing needs at a lowered cost.

  • Specific testing needs

Sometimes meeting the testing needs of a company is beyond the ability of their existing testing team. Under the scenario, a company would rely on an outsourcing firm to meet their testing needs. The outsourcing firms specialize in testing requirements for multiple industries.

  • Reliable results

The excessive pressure from the development team may compel the testing team to sign-off on the testing of an application so that the offering can be launched on time. The problem may arise if the application fails to function the way it is expected to, as there would be no reliable results. For a reliable result, one may seek help from an individual or outsourcing firm with qualified testers.

  • Lack of experienced tester

Companies may not completely depend on their testing team as not all the members in the testing time have equal expertise to resolve complex test issues. For precise and faithful test results, companies may seek assistance from the outsourcing firms, as the expert testing team would most likely deliver reliable test results.  

Conclusion

Outsourcing firms can use their large workforce and help a company meet their tight deadlines. As companies need to cater to multiple clients at many different locations, it is ideal to have an offshore testing team with an adequate number of headcounts. If a team in an organisation is not experienced enough to interact directly with SMEs, test managers, and end-users, it is a perfect idea to stretch the project to an outsourcing firm.

It is highly beneficial for a company to outsource their projects to a firm. Apart from lowered testing costs, a company would also obtain independent testing results, increased testing expertise, and enhance test results. Many companies will rely on outsourcing company to gain a competitive edge in the market. As outsourcing testing projects to a specialised firm is slowly going to upsurge, it would most likely transform the software testing efforts of many organisations.

About Yethi – Yethi’s expertise lies in developing customised test cases for comprehensive testing using the in-house script less automation platform Tenjin. With our bespoke solution, we address all your requirements of the testing lifecycle. Starting from integration with Test management systems and defect management tool to manage the reporting of test case execution, we have an expertise of doing it all. Our business-centric solution takes care of technical resource needs for testing services.