Challenges Faced While Testing an Online Banking Application

Last updated on April 8th, 2024 at 06:18 am

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With the advancement of technology and digitalization all over the globe, the financial services sector is also facing a tide of enormous changes. The banking sector relies heavily on technology-enabled products and services, that’s why the need for stable and well-performing products is essential to ensure exceptional customer experience. Maintaining a safe and secure environment is also very essential for banks for smooth banking operations. 

Banking applications are entangled with complicated functionalities, therefore it is regarded as an advanced and complex enterprise solution. Daily transactions conducted through banking applications require a high degree of scalability, reliability, and accuracy in terms of data. 

All customer-facing channels such as banks and fintech, continue to undergo swift changes as per a slight up and down in the technological world, resulting in the dire need of having effective testing for delivering the best quality products and services, while retaining customers and market share simultaneously. It is an obligation for the banking apps to deliver secure transactions, which requires effective end-to-end testing for their software. In addition, because the banking software application is complex and has many dependencies, the testing process requires more time and requires a complete understanding of the scope. For this purpose, banking app testing companies are contributing hard.

Challenges incurred while testing banking apps

Critical security – Banking applications are chock-full of sensitive customer information and data. That’s why ensuring security at all levels is crucial in a banking app development life-cycle. Nevertheless, security testing for banking apps becomes much more challenging when there are some differences in the network and operating systems of various devices. 

Banks must make sure that all access verification codes and one-time passwords are working properly. To ensure that the software is free of defects or errors, the quality inspection team needs to verify the positive and negative aspects of the system and report before unauthorized access occurs.

Complicated Data – Complexed data is considered to be one of the key challenges that become arduous to resolve while testing banking applications. Banking apps are overloaded with customers’ sensitive data and information including codes, passwords, and assets deposited in bank accounts. Therefore, it is important to make sure that the backend systems are well protected and are not affected by any malware.

Of course, banks need to use automated tools to continuously check database connections and logical functions.

Branchless Banking – A modern concept that entails banks operating their functions without having any physical branch existence is what we call branchless or omni-channel banking. And nowadays it’s proving to be a great challenge for teams to understand its end-to-end functionality in mobile applications.

Failures in Performance – Performance levels include infrastructure, connectivity, and back-end integration. Transactions conducted through the application should be regularly managed. In addition, load and stress tests should be performed frequently to ensure that multiple transactions are supported simultaneously.

Mobile Environmental Factors – A number of factors may affect the behavior of baking applications such as; it can be easily affected by background applications, memory card, data usage, GPS, background ads, battery time, and switching of network. Integration of a mobile banking app with these features can be a great challenge to the testers, therefore, testers must be able to align applications while concerning these environmental factors. 

Privacy concerns – Mobile app development can be very challenging when it comes to privacy concerns. Mobile devices are very personal because they contain the user’s data and identity. These are important constraints that must be considered and require security.

Time to Market – Adding more features to an app can attract way more traffic than before, but with reduced time to market, testing teams are under great pressure to cut short time in this regard. 

Multiple Platforms/Devices – Markets of today are flooded with multiple devices. If any of the devices is not taken into consideration, then this may be a huge pitfall and can create complications. Hence, while testing the applications, it is necessary to consider every device across networks and platforms.

Multiple connections and browsers – Users may try to log in from different platforms and devices. If the app does not successfully log in to a user, it might leave a negative impact on the user, and consequently, banks may face difficulties.


Testing banking applications can be a complex process, but if you have experienced testing partners involved, you can easily wipe off testing challenges. Testing experts, with their efficient & effective testing strategy and the proper integration of testers and processes, are helping its banking and financial customers achieve successful and flawless applications.

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