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HowToTestRetailBankingSystem

PostedIn|WebTesting|LastUpdated:"April17,2017"

Thetitlesaysitall.Today’sarticleisgoingtobeanallround,“How­

to”ontestingRetailbankingsystem.Comeonalong.

IntroductiontoRetailBanking:

Itreferstothebankingthat

executesdirecttransactionswith

consumers/customersratherthan

corporations/companiesorother

banks.

Retailbankingisalsoknownas

Consumerbanking.Itprovides

differentbankingserviceslikesavingsaccount,currentaccount,

checktransactions,creditcards,onlinebanking,loansetc.tofulfil

individualcustomerrequirements.

checktransactions,creditcards,onlinebanking,loansetc.tofulfil individualcustomerrequirements.

Themainactivityofretailbankingistoacceptdepositsfromone

customerandlendcredittoothercustomersintheformofloans.It

isallaboutmakingdifferentassetproductsandliabilityproducts

availabletocustomers.Thishasgrownwidelyinthelastfewyears.

Recommendedreads=>

WhatYouWillLearn:[show]

FunctionsinRetailbanking:

FrontEndBankingWhatYouWillLearn: [ show ] FunctionsinRetailbanking: BackEndBanking ChannelBanking ServicesinFrontEndBanking:

BackEndBanking[ show ] FunctionsinRetailbanking: FrontEndBanking ChannelBanking ServicesinFrontEndBanking: #1)Accountopening:

ChannelBanking] FunctionsinRetailbanking: FrontEndBanking BackEndBanking ServicesinFrontEndBanking: #1)Accountopening:

ServicesinFrontEndBanking:

#1)Accountopening:

Accountopeningplaysavitalroleinbanking.Toproceedwithany

servicesinretailbankinganaccountshouldbeopened.

Followingistheprocesstoopenanaccount.

#2)TellerTransactions: Ingeneralterms,tellermeans“Cashier”.Belowarethetwotypesof tellertransactions. CashTransactions:

#2)TellerTransactions:

Ingeneralterms,tellermeans“Cashier”.Belowarethetwotypesof

tellertransactions.

CashTransactions:Thistypeoftransactiondoes:

Cashdeposit/withdrawal–Accountholderaskingthe

tellertodepositorwithdrawcashfromhis/heraccount.

Currencynoteexchange–Exchangingtheforeign

currencytolocalcurrencyorlocalcurrencytoforeign

currencyasperthecustomer’srequest.

Non­cashTransactions:Thistypeoftransactiondoes:

Standinginstructions–Acustomerinstructingthebank

topaythesetofanamounttotheothercustomerfora

fixed/indefinitetimeperiodataparticularregularinterval

frequency.

Transfers–Transferringtheamountfromoneaccountto

anotheraccount.

#3)Liabilityproducts:

Savingsaccount:Savingsbankaccountisgenerallyopened

bysalariedindividualsorthosewhohaveafixedregular

income.Commercialbanks,co­operativebanksandpostal

departmentsacceptdepositsbywayofanopeningsaving

bankaccount.Belowarethemainfeaturesofsavings

account:

Minimumbalanceshouldbemaintained.

Paysinterestasperthebalance.

Therearerestrictionsontransfersandwithdrawals.

Currentaccount:Incurrentaccount,theamountcanbe

depositedandwithdrawnatanytimewithoutgivingany

notice.Itisalsosuitableformakingpaymentstocreditorsby

usingcheques.Thecurrentaccountcanbeopenedinco­

operativeandcommercialbanks.Belowarethemainfeatures

ofcurrentaccount:

Overdraftfacilityisavailable.

Therearenorestrictionsontransfersandwithdrawals.

#4)Remittances:Transferringmoneyfromoneaccounttoanother

accountusingbelowoptions

accountusingbelowoptions Electronicform: Electronicfundtransfer

Electronicform:

Electronicfundtransferisnothingbuttransferring

moneythroughonlinebankingsystemfromoneaccountto

anotheraccountviaNEFT/RTGS.

TelegraphicTransferisdoneabroadwhichmeans

transferringmoneyonlinefromtheaccountofonecountry

totheaccountinanothercountry.Generally,transfer

chargeswillbeapplicabletothesender’saccountby

sendingbank.Therewon’tbetransferchargesforreceiving

banks.Butinveryrarecasesreceivingbankscouldcharge

someamount.

Non­Electronicform:

Demanddraft/check:Theseareoneoftheoldest

negotiableinstrumentsusedinthebankingsystemfor

transferofmoneyinpaperformwithaclearing

mechanism.

#5)Cards:Listedbelowaredifferenttypesofcards.

Debitcards:Debitcardisintegratedwithautomatedteller

machine(ATM)andpointofsale(POS)features.Whenevera

customerusestheaboveoptions,theamountwillbedebited

directlyfromhis/herbankaccount.

Smartcards:Itstorescashinanelectronicformwhichis

embeddedwithanintegratedcircuit.

Creditcards:Itgivesfreedomto“paylater”ifanemergency

comesuporifyouneedsomethinganddon’thavethemoney

atthatpointoftime,creditcardsareveryuseful.Oncethe

statementisgeneratedminimumamountcanbepaid.

Chargecards:Thisisthesameasacreditcard,exceptthat

thecardpaymentcannotbedeferred.Thisisacardwhich

requiresfullpaymentuponstatementgeneration.

Belowishowtoreadacard.

thecardpaymentcannotbedeferred.Thisisacardwhich requiresfullpaymentuponstatementgeneration. Belowishowtoreadacard.

#6)AssetProducts:Assetproductisnothingbutadebtgivenby

thebanktoacustomer.Here,thebankisalenderandcustomerwill

beaborrower.

Loansareclassifiedasbelow:

Securedloans:Inthistypeofloans,collateralwillbegiven

bytheborrowertothelenderasasecurityatthetimeof

borrowingmoney,whichisinturnusedbythelenderto

recoverloanamountfromtheborrower.Forexample:In

Mortgageloans,housepropertydocumentsareprovidedas

security.InVehicleloans,vehicledocumentsareprovidedas

security,etc.

Unsecuredloans:Inthistypeofloanstherewillnotbeany

collateralasasecuritybytheborrowertothelender.For

exampleEducationalloan,personalloaninwhichborrower

cannotproduceanycollateralasasecuritytothelender.

BackendBanking:

Itmainlydealswithchecksi.e.,checktruncation,clearingand

settlement.

Belowshowshowachecklookslikeanddetailedinformationofa

check.

(Note:Clickonanyimage forenlargedview)

#1)CheckTruncation isthesettlementofclearingtransactionson thebasisofimagesandelectronicdatawithoutanyphysical

#1)CheckTruncationisthesettlementofclearingtransactionson

thebasisofimagesandelectronicdatawithoutanyphysical

movementoftheinstruments.

#2)Clearing&Settlement:

Inwardclearing:Allchecksdrawnonourbankand

depositedwithotherbanksarereceivedthroughclearing,and

appliedtothedrawer’saccountsisinwardclearing.Processof

inwardclearingisallinstrumentsarematchedagainstthe

respectiveaccountbalancesaswellasstatus(stopped,used,

etc)andthenpassedorrejectedbythesystem

Outwardclearing:Checksdepositedanddrawnonanother

bank,whichhavebeensortedandarepresentedtoclearingis

knownasoutwardclearing.Theprocessofoutwardclearingis

agroupofcheckspackaged,senttotheclearinghouseor

federalreserveofficeandacashletterisaccompaniedbya

listcontainingtheamountofeachcheck,thetotalamountof

checksandthenumberofchecks.

#3)Checkclearingprocess:

Checkclearingprocessisshownbelow:

ServicesinChannelBanking: #1)MobileBanking Mobilebanking includesalertsandtransactions.

ServicesinChannelBanking:

#1)MobileBanking

Mobilebankingincludesalertsandtransactions.

Ascustomerregistershis/hermobilenumberduringaccount

openinghe/shecanreceivealertstothemobile,like

credit/debitalerts,accountbalancealerts,billpaymentalerts

Thecustomercanalsoperformoperationslikefundstransfer,

billpayment,accountbalanceenquiry,etc.

#2)InternetBanking

Internetbankingisnothingbutonlinebankinginwhich

customerwillbeloggingintothebankingwebsite.

Thisincludestransactionslikefundstransfer,billpayments,

chequebookrequests,enquiries,mutualfund,insurance,etc.

#3)ATMBanking

AutomatedTellerMachinebankinginvolvesanATMmachine

wherecustomercaninsertadebit/creditcardintoitand

withdrawcash

Thisalsoincludestransactionlikeenquiries,cashdepositinto

theaccount,etc.

Pointofsaleisusedinstoreswhereacustomerpaysthe

amountthroughdebit/creditcardinsteadofcash.

Aninvoicewillbegeneratedwhichindicatesthatpaymentis

donebythecustomerforthegoodspurchased.

TestScenariosforRetailBanking:

Belowisthesamplescreenshotsrelatedtoretailbanking

application:

#1)Samplescreenshottoopenasavingsbankaccountwithlocal

currency.

application: #1) Samplescreenshottoopenasavingsbankaccountwithlocal currency.

#2)Samplescreenshottoopenasavingsbankaccountwithforeign

currency.

­­­­­­­­­­­­

currency. ­­­­­­­­­­­­ #3) Samplescreenshottoopenacurrentaccount.

#3)Samplescreenshottoopenacurrentaccount.

#4) Samplescreenshottotransferamountfromoneaccountto anotheraccount. #5)

#4)Samplescreenshottotransferamountfromoneaccountto

anotheraccount.

anotheraccount. #5) Samplescreenshotfortellertransaction–cashdepositlocal

#5)Samplescreenshotfortellertransaction–cashdepositlocal

#6) Samplescreenshotfortellertransaction–cashwithdrawallocal

#6)Samplescreenshotfortellertransaction–cashwithdrawallocal

#7) Samplescreenshotforaddingpayeeandtransferringthrough channelbanking

#7)Samplescreenshotforaddingpayeeandtransferringthrough

channelbanking

Positivetestscenariosforbankingapplications: 1) Verifyifthecustomerdetailsareavailableintheapplication
Positivetestscenariosforbankingapplications: 1) Verifyifthecustomerdetailsareavailableintheapplication

Positivetestscenariosforbankingapplications:

1)Verifyifthecustomerdetailsareavailableintheapplication

beforecreatinganaccount.

2)VerifyallmandatoryfieldslikecustomerID,currency,product

code,etc.areenteredtoopenanaccount

3)Whenopeningsavingsorcurrentbankingaccountverifythe

productcodeisselectedappropriately.

Forexample,whenyouareopeningacurrentaccountselect

productcodeappropriatetocurrentaccountandwhenyouare

openingasavingbankaccountselectaproductcodeappropriateto

thesavingsaccount.

4)Whenopeninganaccountverifythecurrencyisselected

appropriatelyi.e.,eitherlocalorforeigncurrency.

Forexample,ifyouareopeningalocalsavingsaccountthenselect

currencyasINRandifyouareopeningaforeignsavingsaccount

thenselectaforeigncurrency.

5)Whiletransferringamountfromoneaccounttoanotheraccount

verifyallthemandatoryfieldsareentered,suchasdebitamount,

debitaccountnumber,creditamount,creditaccountnumber,etc.

6)Fortelegraphictransferverifydebitcurrencyandcreditcurrency

isdifferent.

7)Fortellertransactionslikecashdepositorwithdrawalverify

creditamountordebitamountisenteredcorrectly.Also,verifyall

thedenominationsenteredarematchedwithtotaldebitorcredit

amount.

8)Verifycheckdetailsarecapturedintheretailbankingapplication

byenteringchecknumber,amount,customer,etc.

9)Verifyinwardclearingisdonebyprovidingdetailslikedebit

amount,thedebitaccountandcreditaccount.

10)Verifyoutwardclearingisdonebyprovidingdetailslikecredit

amount,creditaccountanddebitaccount.

11)Verifyallthecarddetailslikecardnumber,validthrough,

customer,etc.areencryptedandstoredinthesystemasitisvery

sensitivedata.

12)Verifyifapayeecanbeaddedthroughchannelbankingby

providingallthemandatorydetailslikeaccountname,Account

number,etc.,

13)Verifyiftheaccounttransferisdonesuccessfullythrough

channelbankingbyprovidingallthemandatorydetailslike

transactiontype,amountandfromanaccountforanexistingpayee.

14)Verifywhethermessagesarereceivedonceatransactionis

donethroughchannelbanking.

15)Verifycollateraldetailsaregivenwhilecreatingasecuredloan.

16)Verifycollateraldetailsarenotgivenwhilecreatingan

unsecuredloan.

Negativetestscenarios:

2)Verifycreationofanaccountbynotselectingaproductcodeor

anyofthemandatoryfields.

3)Verifycreatingasavingsbankingaccountbyenteringproduct

codeascurrentaccountandviceversa.

4)Verifycreatingalocalcurrencyaccountbyenteringforeign

currencyamountandviceversa.

5)Verifytelegraphictransferbygivingdebitcurrencyandcredit

currencyassame.Itwillbeanormalaccounttransferandnota

telegraphictransfer.

6)Verifytellertransactioncashwithdrawalbyenteringcredit

amountandviceversa.

7)Verifytellertransactionbyprovidingtheinvaliddenominations.

Forexample,ifcreditordebitamountis150thenprovide

denominationfor100as1anddenominationfor50as2.The

systemshouldnotallowproceedingwiththetransaction.

8)Verifyifapayeecanbeaddedthroughchannelbankingby

providinganaccountnamewhichisnotmatchedtotheaccount

number.

Forexample,iftheaccountnameisSitaandaccountnumberis

12345,thenfortestingthisscenarioprovideRamaasaccountname

andaccountnumberas12345.Systemshouldnotallowaddinga

newpayeeasaccountnameandnumberarenotmatching

9)Verifyifapayeecanbeaddedthroughchannelbankingby

providinginvalidIFSCcode.

10)Verifyifapayeecanbeaddedthroughchannelbankingbynot

providinganyofthemandatoryfields.

11)Verifyifanaccounttransferthroughchannelbankingisdoneby

notprovidinganyofthemandatoryfields.

12)Verifyifamessageisreceivedwhenawrongmobilenumberis

provided.

13)Providecollateraldetailswhilecreatinganunsecuredloan.

Forexample,whenyou’recreatinganeducationalloan,provide

mortgagedetailsascollateral.Thesystemshouldnotacceptto

createaneducationalloanwithmortgagedetails.

14)Whilecreatingasecuredloandonotprovidecollateraldetails.

Forexample,whenyou’recreatingamortgageloanorvehicle

loan,donotprovidecollateraldetails.Thesystemshouldnotallow

proceedingfurther.

Performancetestingscenarios:

1)Verifydifferentuser’slogintothesameretailbankingapplication

usingdifferentsystemsatsametime.

2)Verifyusercanabletologintotheretailbankingapplication

withinfewsecondsbyprovidingvaliduseridandpassword.

3)Verifyloggingintotheapplicationwhentheserverisdown.

Securitytestingscenarios:

1)Tryloggingintotheretailbankingapplicationbyprovidingvalid

userIDandpasswordandverifypasswordfieldisencrypted.

2)Verifyloggingintotheretailbankingapplicationbyproviding

invaliduserIDorpassword.

3)Verifyloggingintotheapplicationbyprovidingoneofthefields­

userIDorpasswordasblank.

Tipsfortestingretailbankingapplication:

Itisimportanttoknowtheretailbankingterminologiesto

startwithtestingofthistypeofanapplication.

Thetestershouldmainlyconcentrateonthetestdatathatis

beingcreatedorusedwhiletesting.Forexample,thetester

shouldbeabletoprovidepropercustomerdetailsoraccount

details,etcforcreatingasavingsaccount,currentaccountor

aloanaccount.

Also,itisimportantforatestertoknowthefunctionalityof

checkprocessingwhiletestingchecktransactionslikeinward

oroutwardclearing.

Conclusion:

Inthecurrentworld,Retailbankingapplicationsareveryimportant

aseveryindividualisinvolveddirectlyorindirectlywithit.

Withsimplefunctionalityandtestscenariosprovidedabove,atester

canstarttestingretailbankingapplication.

Whatareyourtips/suggestionsfortestingbanking

applications?We’dlovetohearallabouttheminthe

comments!