Digital Banking Capability

Digital Banking Capability

Digital Banking Key OEM Experience

Loan Origination System

Loan Management System

Collection

Digital Banking Key Clientele

Retail Internet Banking

Corporate Internet Banking

Mobile Banking

Retail Internet Banking-Process Coverage

Service Request

Investment

Accounts

Reports

•Address Change

•Transfer Account to Nearest Branch

•View/Update Nominee

•PAN / Form 60 updation

•Request for Direct Benefit Transfer (DBT)

•Convert Saving Account to Salary Account

•Convert Saving Account to NRO Account

•FATCA/CRS Updation

•ECS/NACH Mandate cancellation

•Block or Unblock ATM

•Generate Debit Card PIN

•Link ATM/Debit card to A/c

•Increase/ Decrease Debit Card Limit

•Reissue of Lost ATM/Debit

•Cheque Book Request

•Standing Order

•Demand Drafts

•Stop Cheque Payment

•Invest Online

•Buy Mutual Fund

•Demat

•NPS

•Application for IPOs

•Creation of FDs, Treasury bills

•Term Deposit Summary

•Deposit Schedule

•Deposit Account Details

•View Lien on Deposit

•Purchase of Gold

•Treasury Investments

•Account Details

•Account Statement

•Transaction Enquiry

•Account Balance Enquiry

•Open Deposit

•FD Advice

•Renew FD

•PPF Accounts

•SSY Accounts

• Lead Reports

Service Request Reports

• Complaint Reports

• Campaign Reports

• Event Reports

• Target Achievement Reports

• Activity Reports

• User Session Reports

Payment & Transfer

•Internal Fund Transfer

•Third Party Transfer

•NEFT & RTGS

•Beneficiary Addition & Maintenance

•Bill Payment

•Inward Remittance

•Recharge

•Tax Payment

•Transfer to World

•My Transactions

•Favourites

Cards Services

•View and Manage Credit/Debit Cards

•Pay Bank Credit Card Bills

•Convert to EMI

•Auto Debit Setup

•Apply for Credit Card

•Reward Points

•Virtual Debit / Credit Card

•Card Upgrade

•Forex & Prepaid Cards

Offers

•Credit Card

•Pay Later

•Consumer Durable Loans

•Personal Loan

•Home Loan

•Auto Loan

•Loan Against Mutual Fund

Corporate Internet Banking-Process Coverage

Administration

Trade Finance

Authorization Setup

Card Services

•Bank User Maintenance

•Corporate User Maintenance

•Approval Matrix

•Master Data Setup

•Access Management

•LC Initiation & Amendment

•BG Initiation & Amendment

•Forex Transactions - Spot, Forwards, Futures

•Money Market Transactions

•Hedging Requests

•Salary File Bulk Uploads

•Bonuses Instructions Upload

•Employee Account Details

•Success/Failure Report

•Securities Transactions

•IPO Application & Refunds

•Debentures/FDs Application

•View Card Details

•Balance Summary

•Card Details

•Current & Last Statement

•Internal Fund Transfer

•Third Party Transfer

•NEFT & RTGS

•Beneficiary Addition & Maintenance

•Pending Payment Enquiry

•Completed Payment Enquiry

•Online Approvals

•Cancel/Hold Transfers

•International Remittances

Fund Transfer

•Loan Portfolio

•Loan Statement

•Loan Schedule

•Loan Details

•Asset/Property Details

Loan Services

•Account Details

•Account Statement

•Transaction Enquiry

•Account Balance Enquiry

•Consolidated Account Activity

Account Summary

•Payments Schedule Upload

•Payments Instructions

•RTGS/NEFT

•Settlement

•Account Reconciliation

•Remote Printing of Cheques/DDs

•Failed Transactions Report

Cash Management

Collection

•Collections Schedule Upload

•Pooling of Collections

•Settlement

•Account Reconciliation

•Daily Transactions Summary/ Statement

•Failed Transactions Report

Salary Payment

•Authorization Hierarchy

•Parallel & Sequential Authorization Rules

•Transfer Limit Setup

Service Request

•Cheque Book Request

•Standing Order

•Demand Drafts

•Stop Cheque Payment

Value Added Services

•Portfolio Summary

•Application for IPOs

•Creation of FDs, Treasury bills

•Term Deposit Summary

•Deposit Schedule

•Deposit Account Details

•View Lien on Deposit

•Purchase of Gold

•Treasury Investments

Investment Services

•Utility Payments

•Creation of Virtual Cards

•Payments of Credit/Debit Card Bills

•TDS Payments

•Service Tax Payments

•Central Excise Payments

Mobile Banking-Process Coverage

Accounts & Deposits

Pre Login

Card Services

Loan Services

• Account Details

• Account Statement

• Open FD

• FD Advice

• Closure of FD

• Renewal of FD

• Form 15G/15H

• RD Statement Details

• OD Against FD

• PPF Accounts

• SSY Accounts

• App Setup

• Apply for different products

• Bill pay & Recharge

• Calculators

• View Card Details

• Balance Summary

• Card Details

• Card Upgrade

• Forex & Prepaid Cards

• Track Application

• Card PIN Services

• Preapproved loans

• Loan Account Summary

• Apply for Loans

• Track your Loan

Fund Transfer

Login

Service Request

Investments

• Cheque Book Request

• Standing Order

• Demand Drafts

• Stop Cheque Payment

• Block or Unblock ATM

• Generate Debit Card PIN

• Link ATM/Debit card to A/c

• Increase/ Decrease Debit Card Limit

• Reissue of Lost ATM/Debit

• Insta FD

• PPF/NPS/Gold Bond

• Demat

• Mutual Funds

• Term Life Insurance

• Health Cover

• Fingerprint

• MPIN

• User ID & PWD

• Dashboards

• Fund Transfer within Bank

• Fund Transfer outside Bank

• Manage Payee

• IMPS

• NEFT

• RTGS

• Bill Pay

• Recharge – Mobile

• Recent Transactions

• Favorites

• Tax Payment

Digital Banking Case Study

Case Study CBD (CIB, RIB, RMB & Digital Banking)

• In a Digital Channel Transformation of one of our Customer, QK demonstrated the power of integrated testing approach of Functional, Performance, Data Migration and Automation First testing by reducing the go to market time with excellent quality

About

• SIT , UAT.

• Performance Testing

• Automation Testing

• Data Migration Testing

Project Scope

Business Challenges

• Outdate Technology

• Tightly Coded Platform

• High Defect Fixing TAT

• Impeded Testability

• Poor User Experience

• Outdated User Experience

• Dependency on Physical RSA Tokcn’s

• Multiple Channels

• Separate channel for different personas.

• High Time to Market

• Lack of Agility in Development & Testing

Unavailability of Domain skills & Resources.

Solution

• TCoE Implementation

• Automation First Approach

• Open-Source Tools

• Agile Methodology

• Improved Regression Coverage

• Performance Engineering

Key Achievements

• ZERO Breakdown of existing functionality in production

• 60% Increment in ROI from manual effort

• Achieved End-to-End Automation on Low code no code & Flutter platform with ZERO Cost on Tool Licensing

• Improved Go to Market Time & CSAT Score

• 70% Regression Test Cases Coverage

• 100% Error free processing in production with Less friction scores