Core Banking QA Validation Packs

Approach

Core Banking QA Validation Packs

We use Core Banking QA Validation Packs to de-risk major banking transformations. These packs ensure comprehensive coverage of the most complex and mission-critical banking processes, moving beyond basic functional testing to addressing regulatory, integration and performance risk.

Testhouse Core Banking QA Validation Packs

Pack 1: Customer & Account Lifecycle Assurance (CALA)

This pack validates the entire client-facing lifecycle, from onboarding through product usage and eventual closure, with a focus on compliance and data integrity.

Module/Flow	Key Validation Focus (What We Test)	Testhouse Focus Area
Customer Onboarding (KYC/AML)	Regulatory checks, document digitization, KYC/AML screening integration, and customer data creation in the Core (single customer view).	Regulatory Traceability: Ensure all data fields align with internal and national compliance requirements.
Account Origination & Servicing	Account opening/maintenance/closure for various types (Current, Savings, Sharia-compliant accounts), interest and fee calculations, statement generation, and standing instruction setup.	Product Parity: Validate new Core product configurations match or exceed legacy capabilities (e.g., end customer experience, fee configuration accuracy etc).
Limits & Collaterals	Correct setup, linking, and release of collateral against various loan/financing limits, real-time limit utilisation and monitoring.	Integration Assurance: Verify limit updates are immediately reflected across all consuming systems (online banking, risk engines).
General Ledger (GL) Integration	Accuracy of all transaction entries posted to the GL; real-time reconciliation logic between subsidiary and main GL accounts.	Financial Integrity: Critical for EOD and financial close, ensuring no breaks in the financial flow.

Payments & Treasury Assurance (PTA)

The highest-risk pack, ensuring real-time, high-value, and bulk payment processing integrity, focusing on resilience and channel synchronisation.

Module/Flow	Key Validation Focus (What We Test)	Testhouse Focus Area
Real-Time Payments (NPP/Osko/Aani)	End-to-end flow from digital channel to payment engine and back; validation of instant debits and credits; latency checks.	Functional & Performance Resilience: Validate the functional integration points across the transaction flow and stress-test the payment engine for peak volume handling and immediate response times.
Bulk/High-Value Payments (RTGS/SWIFT)	Accurate message formatting, security checks, cut-off times, settlement finality, and end-of-day (EOD) processing of high-value transactions.	System Stability: Dedicated focus on SWIFT and EOD processes, where system instability often leads to the highest number of pending/blocked test cases. (Reference: ITS Test Completion Report data).
Virtual Account Management (VAM)	Creation, mapping, reconciliation, and hierarchy management of virtual accounts; multi-currency transaction validation and balance aggregation.	Data Aggregation: Ensure seamless integration between Core Banking (TCS BaNCS) and other interfacing systems for accurate cash visibility. (Reference: NBB VAM Case Study).
Digital Channel Hand-Off	Transaction initiation (e.g., fund transfer) in the mobile/web app, successful execution by the Core, and real-time reflection of the updated balance in the digital interface.	End-to-End Traceability: Validating the API & integrations between the digital channel and the Core.

Transformation Governance & Automation Pack (TGAP)

This is the Governance and process assurance pack, providing leaders with the control and predictability needed to manage the project itself.

Module/Flow	Key Validation Focus (What We Test)	Testhouse Focus Area
UAT Readiness	Test environment stability, accuracy of pre-provisioned Test Data Management (TDM), and readiness of business users/scripts.	Structured UAT: Implement risk-based prioritisation and defect traceability to achieve 40% lower UAT effort. (Reference: Banking Campaign Email 4).
Automated Regression Suite	Continuous, automated testing of all critical business scenarios and integrated payment flows. Must include checks for multiple releases/CRs.	Reusability & TCO: Build and maintain a robust automation pack (e.g., 2000+ test cases covered in NBB Core Banking), focusing on self-healing to cut long-term maintenance costs.
Performance Assurance	Load, stress, and volume testing to ensure the new Core/platform can handle projected growth and peak processing demands (e.g., EOD, month-end).	Scalability Proof: Validate performance under various loads before Go-Live to ensure Application Availability of five 9s. (Reference: Banking Case Studies PP).
Defect Governance & Reporting	Real-time tracking of defect status, aging, priority, and rejection rate across Business, IT, and Vendor teams.	Single-Window Governance: Enforce a strict triage process to achieve a Defect Rejection Rate Below 3%, improving developer efficiency and release confidence. (Reference: NBB Core Banking Case Study).

Testhouse Differentiator - Governance-Driven Assurance

Our validation approach goes beyond technical execution and provides strategic control across the different phases of the program. These packs are managed via a Real-Time Dashboard that links test results directly to business risk, providing leaders with the single, verifiable metric needed for the final go/no-go decision. This ensures risk-free core banking migration and sustained resilience.

Ready to De-Risk Your Go-Live?

Schedule a complimentary 60-minute consultation with our Core Assurance experts to map your project risk against our proven Validation Packs.