Sharia Logic Validation
Verify that every product calculation — profit rates, payment schedules, fee structures, and PCS workflows — correctly implements the underlying Sharia contract, not just the bank's system configuration.
Islamic Banking QA
Protect every Islamic banking release with Sharia-aware quality assurance.
Islamic banking platforms carry a unique quality assurance obligation: every product configuration, calculation, profit-sharing mechanism, and workflow must conform simultaneously to Sharia principles, AAOIFI/IFSB standards, and local central bank regulation. A defect here is not just a software issue; it is a compliance failure, a Sharia governance gap, and an operational risk. Yethi brings deep Islamic finance domain expertise, Tenjin-powered automation, and advanced QA methodologies to validate Islamic banking systems end-to-end — including Murabaha origination, Profit Calculation & Sharing (PCS)/Profit Distribution System (PDS) workflows, Sukuk settlement, and digital channel integration.
Domain Expertise
Why Conventional QA Fails in Islamic Banking
Islamic banking is not a modified version of conventional banking; it is a distinct financial model governed by Sharia law, with product structures, profit-sharing mechanisms, and compliance requirements that have no direct equivalents in conventional systems. A Murabaha financing contract, an Ijara lease, a Diminishing Musharaka arrangement, and a Profit Calculation & Sharing pool each has its own calculation logic, documentation obligations, and regulatory reporting requirements.
Yethi's testing teams combine Islamic finance domain expertise with platform-specific test libraries built across engagements in the GCC, Southeast Asia, and Africa, enabling faster test coverage, higher accuracy, and genuine compliance assurance. We help institutions navigate challenges including:
Validating complex profit-sharing calculations across Islamic financing products
Ensuring Sharia-compliant financing structures are correctly implemented
Managing core banking modernization and legacy transformation risk
Preventing production defects across enterprise integrations and digital channels
Meeting regulatory, audit, and Sharia governance requirements
Validating omnichannel customer experience across retail and corporate banking segments
Product Coverage
Robust Quality Assurance Across Islamic Finance Products
Our test library spans the full range of Sharia-compliant financing structures — from retail and SME to corporate and treasury — including all major Islamic banking structures validated in live engagements.
Financing Products
Retail · SME · Corporate- Murabaha — cost-plus financing origination, pricing, and settlement
- Diminishing Musharaka — equity-based home and asset financing with reducing ownership calculations
- Ijarah — lease-to-own structures, rental calculations, and asset management
- Service Ijarah — service-based lease structures and periodic charge validation
- Istisna — construction and project finance progress billing and milestone validation
- Salam — agricultural and commodity advance financing delivery and settlement
- Qard Hasan — benevolent loan product validation with zero profit calculations
- Musawama — negotiated price financing without cost disclosure requirements
- Wakala — agency financing and investment mandate validation
Deposit & Investment Products
Savings · Investment · Treasury- Mudarabaha — profit-sharing investment account validation and pool allocation logic
- Sukuk — issuance, settlement, and periodic profit distribution testing
- Islamic treasury products — FX alternatives, interbank Murabaha, and Wakala deposits
- Takaful integration — insurance contribution and claims validation
- Zakat and charity module validation
Digital
Domestic · Cross-border · Omnichannel- Domestic and cross-border payment processing and gateway integrations
- SWIFT and faster payments validation
- Internet and mobile banking journeys — end-to-end customer flow validation
- API integrations and middleware synchronisation
- Omnichannel experience validation across retail and corporate segments
Operations & Compliance
Regulatory · Sharia · Reporting- Sharia Supervisory Board (SSB) reporting validation
- AAOIFI standards compliance testing
- IFSB regulatory reporting
- Central bank reporting for Islamic windows and full Islamic banks
- Profit Equalisation Reserve (PER) and Investment Risk Reserve (IRR) calculations
- Dual-window (conventional + Islamic) account and ledger separation
- Data migration and accuracy validation for banking transformation programmes
Where We Go Deeper
Profit Calculation & Sharing (PCS) Validation
Profit Calculation & Sharing (PCS) is one of the most complex and compliance-critical workflows in any Islamic banking platform. Unlike conventional interest calculations, PCS involves multi-step pool management, weighted average calculations, Wakil Hiba distributions, and regulatory-grade accounting entries that must align precisely with Sharia board approvals and central bank expectations.
Yethi's QA programme provides end-to-end PCS lifecycle validation — covering every stage from pool creation to final profit distribution — and has been proven across large-scale Islamic banking transformation programmes.
The Full PCS Lifecycle Yethi Validates
Pool Creation &
Scheme Tagging
Scheme Tagging
Average Balance
Calculation
Calculation
Profit Rate Calculation
(P&L Computation)
(P&L Computation)
Weighted Average
Calculation
Calculation
Profit
Simulation
Simulation
Pool Reset /
Simulation Cancellation
Simulation Cancellation
Transaction
Verification
Verification
Wakil Hiba &
Incentive
Incentive
Profit
Distribution
Distribution
Upload Final
Simulation
Simulation
QA Methodologies
Our Testing Framework for Sharia-Compliant Banking
PCS Lifecycle Validation
End-to-end testing of Profit Calculation & Sharing workflows: pool creation, weighted average calculations, profit simulation, distribution logic, Wakil Hiba, accounting entries, and batch processing.
Dual-Window Separation Testing
For institutions operating both conventional and Islamic windows, validate that products, ledgers, and reporting streams remain strictly segregated with no cross-contamination.
Regulatory Compliance Testing
Test AAOIFI, IFSB, and country-specific central bank reporting requirements as core deliverables — not post-implementation afterthoughts.
Integration Assurance
End-to-end testing across Core Banking, Digital Channels, Treasury, Payment systems, middleware interfaces, and enterprise integrations in bi-directional flow.
Migration & Upgrade Assurance
Validate data integrity, business rule continuity, and product accuracy across every Islamic product type and customer segment during core system upgrades or migrations.
Performance & Batch Testing
Ensure the platform sustains peak transaction loads while maintaining response times across customer journeys, transaction processing, and digital banking channels.
Regression Automation
Automate business-critical regression scenarios using Tenjin Workbench — enabling repeatable, efficient release validation without manual overhead.
UAT Coordination
Support UAT planning, execution, and closure across business, operations, and Sharia stakeholders — with traceability to regulatory requirements.
Platform Expertise
Proven Across the World's Leading Islamic Banking Platforms
Our test assets and domain knowledge span the major Islamic core banking systems — both purpose-built and conventional platforms with Islamic modules.
Finacle Islamic (Infosys)
Islamic Financing, Trade and Treasury Operations, Digital Banking, PCS, Islamic accounts and deposits
Oracle FLEXCUBE Islamic
End-to-end FLEXCUBE Islamic testing including Islamic financing and treasury modules
Temenos Transact (Islamic)
Temenos Islamic modules for retail, corporate, and treasury banking segments
Path Solutions iMAL
Purpose-built Islamic core — financing, deposits, trade, regulatory reporting
Finastra Fusion Islamic
Islamic financing, trade, and treasury validation on the Fusion platform
Silverlake SIBS
Islamic banking modules across retail and corporate segments
ICS Banks Islamic
Core Islamic banking system testing for MEA markets
Misys BankFusion Islamic
Financing, treasury, and compliance module validation
Regulatory Compliance
Quality Assurance That Aligns with Global Islamic Finance Standards
Sharia compliance is layered: Sharia board requirements, international standards bodies, and local central bank regulation all apply simultaneously. Yethi's test programmes address all three layers as core acceptance criteria.
AAOIFI Standards
Accounting and Auditing Organization for Islamic Financial Institutions — financial, governance, and ethics standards tested as core acceptance criteria across all products.
IFSB Guidelines
Islamic Financial Services Board prudential standards — capital adequacy, risk management, and supervisory reporting validated across all relevant product lines and geographies.
Central Bank Regulations
Country-specific Islamic banking regulations — SAMA (Saudi Arabia), CBUAE (UAE), BNM (Malaysia), OJK (Indonesia), CBB (Bahrain), and others.
Sharia Board Requirements
Internal Sharia Supervisory Board fatwas and product approvals translated into verifiable test conditions, ensuring the platform implements approved product structures exactly.
Audit & Traceability
Structured test documentation, defect traceability, and governance reporting aligned to Sharia audit and external regulatory inspection requirements.
Dual-Window Compliance
Validation that Islamic and conventional banking operations remain strictly separated at product, ledger, and reporting levels, meeting central bank dual-window requirements.
Tenjin Platform
Tenjin Accelerates Every Release with Islamic Banking Test Automation
Our Tenjin Workbench carries a pre-built Islamic banking test library covering all major Sharia-compliant product types and PCS workflows — enabling faster time-to-coverage without the risk of gaps that manual test design introduces.
Pre-built Islamic Product Test Library
Ready-to-deploy test cases across Murabaha, Ijarah, Musharaka, Mudarabaha, Sukuk, PCS workflows, and more — reducing test design time from weeks to days.
10,000+ Automated Regression Test Cases
Covering the full lifecycle of Islamic Financing, Deposits and Accounts, and Trade Operations.
Platform-Specific Adaptors
Tenjin integrates directly with Finacle Islamic, FLEXCUBE Islamic, Temenos Islamic, and iMAL — so test execution runs against the actual platform without manual intervention.
Compliance-Mapped Test Suites
Test cases are mapped to AAOIFI and IFSB standards, giving compliance officers a direct line of sight from test results to regulatory requirements.
Regression Efficiency for Upgrades
When platforms are upgraded or Sharia board requirements change, Tenjin's automation layer re-executes the full suite in a fraction of the time a manual cycle would require.
Kairo AI Layer
AI-powered test generation, defect prediction, and coverage analysis — helping teams identify gaps and accelerate validation cycles across complex Islamic banking programmes.
Case Studies
Islamic Banking Assurance in Practice
Real outcomes from Yethi's Islamic banking testing programmes across Finacle Islamic, FLEXCUBE Islamic, and large-scale transformation engagements in the Middle East.
Case Study 01
Validating Shariah-Compliant Banking Operations for a Leading Bank in the Middle East
One of the leading financial institutions in the Middle East — managing assets exceeding USD 13 billion — embarked on a large-scale Islamic banking transformation to modernise its technology landscape (Finacle v11.17 Islamic) while maintaining strict Shariah compliance. The bank required end-to-end QA across Islamic financing, PCS workflows, digital channels, treasury operations, and regulatory compliance across both retail and corporate banking segments.
75,000+
Test Cases Designed & Executed
10,000+
Automated Regression Test Cases
50+
Islamic Banking Products Validated
10+
Islamic Banking Structures Covered
3,000+
High Severity Defects Identified
Finacle CBS
DEH & Enterprise Integrations
5
Functional Areas: Islamic Financing, Trade & Treasury, PCS, Payments & Digital Channels, Islamic Accounts & Deposits
2
Customer Segments: Retail & Corporate Banking
Why Yethi
Why Islamic Banking Institutions Choose Yethi
Deep Islamic Finance Domain Expertise
Our teams understand Sharia product structures, PCS mechanics, and regulatory requirements — not just how to write test cases against them.
Proven at Scale
75,000+ test cases executed in a single Islamic banking transformation programme. We have the depth and delivery model to handle large, complex engagements.
PCS Specialisation
End-to-end Profit Calculation & Sharing validation covering the full lifecycle.
Tenjin-Powered Automation
10,000+ automated PCS and Islamic banking regression test cases, enabling repeatable release validation with dramatically reduced manual effort.
Multi-Geography Regulatory Coverage
Capability across GCC, Southeast Asia, and Africa regulatory environments — SAMA, CBUAE, BNM, OJK, Bangladesh Bank, and more.
Platform-Agnostic Depth
Tested across Finacle Islamic, FLEXCUBE Islamic, Temenos Islamic, iMAL, and others — with platform-specific test assets ready to deploy.
Sharia Governance Assurance
Structured testing and documentation approach that supports Sharia Supervisory Board reporting and external audit readiness.
Scalable QA Model
From targeted PCS validation engagements to full-programme Islamic banking transformation assurance — our delivery scales to the programme's needs.
Our Reach
Where Islamic Banking Institutions Trust Us
Yethi has delivered 5+ active Islamic banking QA engagements across the GCC with the domain knowledge, regulatory depth, and platform expertise to serve institutions across Southeast Asia and Africa's rapidly growing Islamic finance markets.
GCC
Saudi Arabia, UAE, Bahrain, Kuwait, Qatar, Oman, Jordan.
South & Southeast Asia
Malaysia, Indonesia, Bangladesh.
Africa
Kenya, Egypt, Nigeria, Tanzania, and other MEA markets.
Institution Types
Full Islamic banks, Islamic windows of conventional banks, Islamic fintech providers, and banking technology organisations.
Ready to ensure your Islamic banking platform meets every obligation?
Talk to our Islamic banking specialists about how Yethi can accelerate your testing programme, close compliance gaps, validate your PCS workflows, and give your Sharia Supervisory Board the confidence they need.