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Transformed Payment Quality & Uptime For A Leading Bank

Transformed Payment Quality & Uptime For A Leading Bank

payment, testing service

Testhouse was approached to address significant payment system issues faced by our client, a major Middle Eastern bank. The bank was struggling with an inefficient and insecure payment mechanism, affecting customer satisfaction and revenue. They aimed to introduce a reliable direct debit system for recurring payments and a secure, fast system for high-value transactions. Our approach involved extensive functional and interoperability testing, performance analysis and a bespoke real-time dashboard for progress monitoring, leading to a notable reduction in customer complaints and transaction errors.

Transformed Payment Quality Uptime For A Leading Bank

Problem Statement

  • The bank faced challenges in customer satisfaction and revenue due to an inefficient and insecure payment mechanism.
  • It urgently needed to implement a direct debit system for recurring payments and a secure, fast payment system for high-value transactions.
  • The bank’s goal was to establish a centralized payment transaction platform, reduce reliance on correspondent banking, and improve efficiency.
  • The bank lacked the in-house expertise to validate payment applications and ensure the quality and reliability of the Emirates clearing house system.
  • The bank expected high system availability with Five 9’s (99.999% uptime) and relied on the testing vendor to help reduce the cost of quality.

Solutions

Testhouse carried out extensive testing to address these challenges:

  • Direct Debit System Testing: Conducted functional testing on the Direct Debit System to ensure it could handle automated mandates, manage returns, and accurately process recurring payments.
  • United Arab Emirates Funds Transfer System Testing: Performed functional testing on the United Arab Emirates Funds Transfer System, ensuring it could process high-value interbank transactions accurately, including reconciliation of accounts and exception management.
  • Emirates Clearing House Systems Interoperability Testing: Conducted interoperability testing on the Emirates Clearing House systems to confirm their ability to integrate with other payment systems and platforms, including cross-border transactions and connectivity with other banks and financial institutions.
  • Performance Testing: Deployed a JMeter-based performance framework to provide real-time dashboards and detailed analytics for identifying performance-related bottlenecks within the payment system.
  • Shift-Left Methodology: Employed the “Shift-left” method of performance testing to identify design and architectural faults early in the development process, ultimately reducing the total cost of quality.
  • SME-QE Methodology: Introduced the SME-QE (Subject Matter Expert Quality Engineering) methodology and deployed an 8-member team comprising payment domain and testing experts. Conducted discovery workshops with the business and IT teams to identify the scope and define an end-to-end testing strategy for the program.
  • Static Testing Framework: Implemented the Testhouse Static Testing framework to improve the atomicity, completeness, and testability of requirements, reducing rework effort and the cost of quality by identifying requirement issues upfront.
  • Real-Time Dashboard: Developed a real-time bespoke dashboard to provide regular updates on the program’s progress and metrics, linked with the Test Management tool for accessibility to status data.

Benefits

The efforts resulted in significant improvements:

  • 5% reduction in customer complaints.
  • 20% reduction in transaction error rates.
  • Achieved 100% test execution coverage, ensuring comprehensive testing of the systems.
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