.png)
Our Banking Experience
● Core Banking
● Lending
● Customer Relationship Management
● Trade Finance
● Treasury
● Channels
● Payments
● Settlements
● Regulatory Reporting
● AML , Fraud Management & Sanctions
● Cash Management
● Wealth Management
● Reconciliation
LOB's
Core Banking System
● Core Banking
● Lending
● Customer Relationship Management
● Trade Finance
● Treasury
● Channels
Core Banking Sub LOB's
● Customer Onboarding
● Assets
● Liabilities
● CASA
● Domestic & International Payments.
● Bill Payments.
● Branch Operations
● Account Services
● Lending
● Payment Type – RTGS, NEFT . POS, ECS , etc.
● Cash Payment – CTS, ATM , Cash Withdrawal using POS, etc.
● Merchant Solutions – Bill Payments, Toll Collections , QR payments , etc.
● Regional Payments – UAEFTS ,IPI, ICCS, UAEPGS , etc.
Payments
Digital Banking
●Internet Banking
●Mobile Banking
●Tab Banking
●Chatbot
●IVR
●Cash Management
●Collections & Receivables
●Value Added Services
●Cards Services
Trade Finance & Treasury App
● Calypso
● Murex
● Finacle
● Finastra
● Quantum
● Fin mechanics
Global & Local Bank Trust QK
.png)
OEM Experience Across Various Banks
Wealth Management
Treasury
Trade Finance
ATM/ IVR / POS
Card System
Payment System
AML & Fraud Management
Internet Banking
Mobile Banking
Corporate Banking & Cash Management
Lending Management System
Core Banking
Customer Relationship Management
CBS Testing Experience : Performance Testing Finacle
Our Experience In Core Banking
UAE Region:
Core Banking 80 Users
Core + Online Banking 250 Users
India Region:
Core Banking 10,000 Users
Core Banking 35,000 Users
Core Banking 6000 Users
Core + Online Banking 5000 Users
Core + Online Banking 35,000 Users
Core + Online Banking 16000 Users
Core + Online Banking 1,00,000 Users
South Asia Region:
Core+ Surrounded Systems 500 Users
Core + Online Banking 5000 Users
Our Experience In Online Banking
UAE Region:
RIB, MIB, CIB 300 Users
RIB,MIB, CIB 500 Users
MIB 200 Users
UAE Region:
RIB, MIB, CIB 2000 Users
RB 12,000 Users
Banking5000 Users
Our Experience In Omni Channel Application
UAE Region:
Omni Channel 300 Users
Omni Channel
200 Users
Migration & Merger Experience
• Gaps Testing
• Migrated Data Testing
• Business Verification Testing
• Disaster Recovery Testing
• Operational Readiness Testing
• 18 Months | 90,000 Test Cases | 8 Migration Rounds | 3 UAT Vendors | 180+ UAT Team
• Gaps Testing
• Migrated Data Testing
• Merged Bank Testing
• 10 Months | 30,000 Test Cases | 8 Migration Rounds | 21 Cust Segments| 40+ UAT Team
• Gaps Testing
• Migrated Data Testing
• Merged Bank Testing
• Gaps Testing
• Data Migration Testing
• Data Migration Utility
• Branch Migration Testing
• Test Automation – Pre & Post Merger
• Performance Testing
• Automated Testing
• Pre-Merger Scripting
• Automated Execution of Scripts for Merger testing
• Critical defects on Migrated Data (2 + 5 Counts)
•Gaps Testing
•Migrated Data Testing
•Merged Bank Testing
•User Experience Monitoring
Data Migration
Validation Utility
Test
Repository
Automation
Scripts
ETL Validation
Strategy
Financial Integrity
Testing Approach
End To End Performance
Management Strategy
Finacle Upgrade & Migration Life Cycle
CBS Application
OOB Features
Customization Review
Identify Customization in use
Fit / Gap Analysis
Data Migration Strategy
Functional & Early PT Strategy
Automation Test Strategy
Performance Test Strategy
Test Closure
Hypercare & Reliability
• Feature Review
• Compatibility Review
• Overview of requirements
• Customization Review
•Configurations
•Parameterizations
• OOB Features
• Customization Available
• Missing Features
• Data Cleansing
• Data Backup
• Selecting the right tool
• Prod App Monitoring
• Uptime & Performance
• Alerts & L1 support
• Automation Framework
• Reusable Scripts
• Script Prep & Exec
•Continuous Integration
•Automated Regression
• Load / Stress / Soak testing
• Continuous PT
• Test Summary
• TC Design & Execution
• Finacle Repository
• Migrated Data Testing
• Early PT
• Defect Management
Our Well Rounded Resource Pool
• Customer Journey
• Process Maps
• Business Scenario Repository
• Templates
• Frameworks
• Industry Best Practices
• Lessons Learned/Best Practices
•Domain SMEs
•Consultants
•Program Managers
•Solution Architects
•Automation Analysts
•Leads
•Analysts
Delivery Heads 13
Delivery Managers 28
Test Manager 23
Test Lead 106
Automation 235
Performance 341
Monitoring 232
SME/BA 30
Core Practitioners 8
Our Finacle Experience-Core Banking System
2021
<2016
2017
2018
2019
2020
2022
2023
2024
Finacle Versions & Experience
Finacle 7x
Finacle 10x
Finacle 10.2.25
People Strength
•Customer Journey
•Process Maps
•Business Scenario Repository
•Templates
•Frameworks
•Industry Best Practices
•Lessons Learned/Best Practices
•Domain SMEs
•Consultants
•Program Managers
•Solution Architects
•Automation Analysts
•Leads
•Analysts
Delivery Heads
Delivery Managers
Test Manager
Test Lead
Automation
Performance
Monitoring
SME/BA
Core Practisers
5
10
15
23
95
50+
50+
25
5
Our Top 10 Finacle Experts
.png)
Finacle Core Banking - Process Coverage
CASA
• Account Opening
• Account Modification
• Account Verification
• Cheque Book Issuance
• Stop Payment
• Account Lien Maintenance
• Interest Calculation
• Passbook Printing
• Memo Pad Maintenance
• Account Freeze
• Change of Account status
• Minimum Balance Charges
• Inquiry & Reports
• Transfer of A/C between SOL
• Transfer of A/C between Scheme
• Account Closure
Term Deposit
• Account Opening
• Account Modification
• Account Verification
• Renewal of Deposits
• Deposit Receipt Printing
• Account Lien Maintenance
• Account Freeze
• Deposit Modeling
• Term Deposit as Collateral
• Sweep Maintenance
• TDS Calculation
• Form 15G/15H Submission
• Inquiry & Reports
• Interest Calculation
• Transfer of A/C between SOL
• Transfer of A/C between Scheme
• Deposit Closure
Branch Operations
• Cash Deposit
• Cash Withdrawal
• Transaction Reversal
• Open Cash Transaction
• Open Transfer Transaction
• Stop Cash Transaction
• Stop Transfer Transaction
• Transaction Inquiry
• Transaction Maintenance
• Maintain Currency Denomination
• Batch Transaction Posting
Trade Finance
• Letter of Credits
• Letter of Guarantees
• Collections
• Financing & Discounting
Payments
• Incoming NEFT & RTGS Transaction
• Outward NEFT & RTGS Transaction
• NEFT Transaction Upload
• Future dated NEFT & RTGS Transaction
• Outward RTGS after Cut-Off
• NACH Outward
• NACH Inward
Locker Management
• Locker Issuance
• Locker Fee & Rent Collection
• Locker Check-in & Check- out
• Surrender Locker
• Locker Deletion & Modification
Standing Instruction
• SI Creation
• SI Deletion
• SI Execution & Inquiry
• Future dated SI Creation and Execution
Demand Draft
• DD Single & Bulk Issuance
• DD Single & Bulk Printing
• DD Payment
• DD Cancellation
• DD Reconciliation
Vault Management
• Vault Addition
• Teller Cash Account Opening
• Cash Transfer to Vault
• Cash Transfer from Vault
• Cash Account Closing
Inventory Management
• Cheque Inventory Movement
• DD Inventory Movement
• Travel Card Inventory Movement
• TD Receipts Inventory Movement
Performance Testing - Module/Scenarios Coverage
Transaction Name
HTM-Transfer
HPORDM-Outwards NEFT
HPORDM-Outward RTGS
HPORDM-Outward SWIFT
HPORDM-Outward Clearing
HLASPAY-Schedule Payments
HLAUPAY-Unscheduled Payments
HCASHDEP-Cash Deposit
HCASHWD-Cash Withdrawal
HFXTR-Transfer
CRNUPLD – Outward
HTTUM upload
ACH file Upload
Inward clearing - RMI upload.
Financial transaction report
Transaction Name
HPSP - Statement printing
HLAPSP - Loan statement printing
HLADGEN - Demand generation
SMA report generation
Interest and TDS applications
CCO Batch jobs
FRRR Axiom file generations
Statement Generation batch Job
HLADSP-Demand Satisfaction
Crone Jobs for bulk upload of - RTGS, NEFT, CCO, FRRR, TDS, TDS- IP.
Transaction Name
ATM – Cash withdrawal
ATM – Mini statement
ATM – UPI Transactions
ATM POS withdrawal
E-banking – FD opening
DOORs – Account Opening
DOORs – Customer opening
DOORs – Collateral creation.
DOORs – Bulk, NEFT, RTGS
DOORs – CCO SDP publishing
LOS – Account Opening
LOS – Customer opening
Transaction Name
Bulk NEFT – Inwards & outward
Bulk RTGS – in / out
Bulk Swift – In / Out
DBSIS(EMBARGO)
FIN-MINT
Finacle Menus Tested
Lob
Modules
Count Finacle Main Menu
Advances
Branch Operations
Clearing
Customizations
Liabilities
Payment System
Reports
Trade Finance
Corporate Loans
Overdraft
Retail Loans
Demand Draft
Inventory Management
Lockers
Standing Instruction
Transactions
Inward & Outward Clearing
Customizations
CASA
Term Deposit
NEFT/RTGS
Reports
Export Bills
Export Letter of Credit
Forward Contract
Import Bills
Import Letter of Credit
Inward Bank Guarantee
Outward Guarantee
Packing Credit
104
19
35
18
5
6
17
31
50
280
80
50
2
231
1
4
5
3
2
2
1
6
952
Grand Total
Finacle Reusable Test Assets (Module Wise)
Learnings & Challenges During Finacle Implementation
Category
Challenges
Reason
Impact
Mitigation
PRODUCT
FUNCTIONAL
COMPATIBILITY
INTERFACE
ENVIRONMENTAL
•Mapping Issues - Loan Product and Schemes
•In FIN 10 version, Buyer’s credit flow was incorrect as per Banks requirement
•Scheme Code searcher is not working in account opening menus(for CA, SA, Loan, FD)
•Asset Classification and Provisioning
•Testing of Reports in Bank format
•Report were not visible in HPR menu
•Old version data many a times create functional issue and become showstopper
•Unable to load Finacle Menus
•Fatal Run Time Error on some screen
•Sync issue between LOS and Finacle Core
•Data fetching issue due to interfaces
•Due to date sync issue between FINCRM &FINCORE we were unable to use migrated customer.
•Due to date sync issue between FINCORE & FININFRA we were unable to verify signature and photo upload data flow
•Manual run for EOD/EOM batch jobs
•Requirement GAP
•Product Issue
•Product Issue
•Requirement GAP
•Configuration
•Configuration Issue
•Data migration issue
•Code level issue
•Database error
•Interface Issue
•Interface and code issues
•Environmental Issue
•Environmental Issue
•Code level issue
•Delayed product delivery
•Delayed in delivery of functionalities
•Unable to open account
•Delayed in delivery of functionalities
•Delayed in delivery of functionalities
•Unable to generate Report for all menus
•User unable to perform closure, Modification which direct impact product delivery
•Screen Not working
•Screen Not working
•Unable to check LOS functionalities like credit check, BRE, etc.
•Data mismatch
•Unable to test on migrated Data
•Unable to test Signature Verification
•Unable to execute EOD/BOD related scenarios
•Re-configuration done by Bank team
•Based on our previous experience, we suggested workaround to use Guarantee module to issue Buyer’s credit
•This is product defect which is still under fix
•Classification and provisioning parameter re-defined & retested
•Since reports were not delivered as per bank format, to avoid delay in UAT round only report data is verified as part of testing.
•Configuration done by Infosys team
•Data migration testing to be done before start of UAT
•JAVA Version updated to latest version
•Patch Provided by Development team
•Created Loan accounts in Finacle
•All the existing interfaces to be connected and in sync with upgraded environment before start of testing.
•Created new customers with the same details as migrated to execute test cases
•Uploaded signatures to new customers to execute test cases related to SVS
•"To overcome this challenge, we executed batch jobs manually to execute EOD/BOD related scenarios e.g. Interest Accruals, Capitalization, Locker Rent Recovery"
Challenges & Learnings - PT
Module
Issue
Recomendations
Resolution Remarks
Improvements
API
API
API
API
ISO
ISO & API
ISO & API
ISO & API
Front End
Front End
Slow response for all APIs. Timeout after 3 sec when user concurrency increased beyond 10.
Fund transfer slowness observed in XML parsing at web layer resulting in RT > 5 sec.
High error count in FT scenarios in API calls
High Response Time for Add Account APIs
Uneven Load Distribution in webservers
In combined test, High CPU utilization and slowness on 2 app nodes due to low core config.
Webserver process restarts observed in combined load test due to native memory exhaustion.
Service not available issue on Finacle APP process for 1000 Users
High response for core service API due to config issues.
Response slowness for 500 user test along with timeouts.
RCA and RCCA for slowness & error.
Config recommendations to resolve WAS bottlenecks.
Method level analysis for slow XML processing at web layer.
Configurational recommendations were also provided
RCA for permission error on mount point (Temp file)
RCCA for 100% disk utilization and FT errors observed due to file permission issue.
Known Issue with using NND instead of Oracle Sequencing
LB recommendations for using least connection as round robin distribution is not working as expected.
Increase connections associated for port for LB
Recommended to increase core at 2 web nodes for proper benchmarking and resolve performance issue due to different H/W config.
WAS log analysis - identified RCA and shared with IBM team.
RCCA for WEB process restarts.
Provided debug flags for future crash.
RCA shared for Finacle process and WAS connection issues due to Finacle APP issues.
RCA and RCCA for connection wait issue and High response time up to 2-3 min.
Recommended to increase ORB pool size to handle traffic.
RCA and RCCA for response slowness and DB queries for 500 users.
AWR analysis and recommendations for TBAADM.DTD and TBAADM.GAM tables.
Infosys / Bank Team set configuration as per production config for Web container thread pool and Connection Pool thread
Config changes to improve XML performance.(Details not shared by Infy)
Websphere instances were increased.
IBM IHS was not configured
Disk space allocated as per prod setup and batch script started to archive logs
Solution not implemented yet
Increases connections at port & algorithm changed to least connections. Additionally, multiple LGs were also used.
Bank Team increased CPU cores on app servers to 64 Cores from 22 Cores
IBM team made required config changes for resolving native memory exhaustion. The native ration was updated to occupy max 100 MB instead of 10 MB
Infosys team increased connections per Finacle process resolving fatal exceptions and process restarts(Refer Excel)
Infosys team increased ORB connections pool and updates config as per best practices from internal team discussion. Details not shared.
Indexes rebuild and table stats are updated.
Resolved high response time upto 1 min and 5-10% Error Count.
Scaled 740 Users for Combined Load Test (Iso 268 And APIs 472) with only 1 APIs above 1 sec
Response improved by from 20 sec at 90% to 2.5 sec.
Error count reduces to less than 1% from 5%.
95% response improved from 7 sec to 2.6 sec (SLA <= 1)
NA
Resolved connection refused & Load was equally distributed
CPU Utilization decreased to 55-65% from 75-90%.
Response time improved for APIs
No restarts observed in test run for combined runs.
Resolved response time issue and failures due process restarts.
Scaled 740 Users for Combined Load Test (ISO 268 And APIs 472) with only 1 APIs above 1 sec
Resolved process restarts issues in finacle APP process resulting in high response and failures.
Scaled 5000 users on updated config without ORB connection issues
95% was below 3 sec for all pages.
Improved response time 95% is below 2 sec for all Pages.
Spikes observed in DB CPU utilization were reduced by 10%