Industry · Banking & Finance

Software testing for banks

Core banking systems, payments, real time – in financial IT, availability, correctness and completeness are everything. That is exactly where we focus.

Typical challenges

Core banking & payment systems with the highest availability and correctness demands.
Real time & instant payments, load and performance tests under real peaks.
Regulatory releases (PSD2/SCA, transition to PSD3/PSR, reporting) with fixed deadlines and evidence duties.
Migrations & replacements of legacy systems without downtime windows.

Regulation & standards

DORA (since 17 January 2025), MaRisk, EBA guidelines, PSD2 for payment services and PCI DSS for card data. We deliver fully documented test evidence that holds up in an audit, prioritised by risk.

Testing focus in financial IT

Payments & instant payments: SEPA formats, ISO 20022, returns and reversal paths; load tests against the peaks at month-end and during payroll runs.
Core banking migration: Parallel operation and reconciliation of old and new systems across balances, interest calculation and posting logic – with business sign-off per migration wave.
Regulatory reporting: Date-bound releases (AnaCredit, FinRep) with an unbroken evidence chain from requirement to test case.
Interfaces & third parties: PSD2 interfaces, card processors, market data feeds – contract tests instead of end-to-end monoliths.

Typical starting point

We typically find grown core banking systems with a high change frequency, a narrow test window before quarter-end close, and an audit function asking for evidence that was never captured during the project. The first lever is almost always risk-based prioritisation supported by both business and IT – not more test cases, but the right ones.

Why Loyal Team

Experience in highly regulated, high-availability environments; senior lead instead of junior teams, accredited for ISTQB®, recognised by IREB®. Approach and reporting are audit-ready – designed for supervisors and internal audit.