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台灣集中保管結算所

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Accelerating FinTech Innovation: The Application and Benefits of Automated Testing Tools

Hsieh Cheng-His, Fixed Income System Development Department

Under the wave of digital transformation, the financial technology (FinTech) industry is evolving at an astonishing speed. From mobile banking and digital payment to intelligent wealth management, customers’ expectations for system stability and security are also increasing. In this context, “quality assurance” has become an indispensable part of FinTech products, and the adoption of automated testing tools is one of the key strategies to enhance development efficiency and quality.

In the past, testing of financial systems mostly relied on manual operations, which were time-consuming and labor-intensive. Besides, this method was also easily limited by human error. In today’s environment where agile development and DevOps processes are gradually becoming mainstream, traditional testing methods can no longer cope with frequent version updates and the complex requirements of system integration.

In addition, financial products heavily rely on precise computation and strict information security control. Once a vulnerability appears after going live, brand reputation and customer trust will be seriously impacted. Therefore, while maintaining flexible development speed, how to ensure that each function has been fully verified makes automated testing’s role especially crucial.

Core Advantages of Automated Testing

1.Improving Testing Efficiency

Automated testing can repeatedly execute a large number of test cases, especially suitable for regression testing on core transaction systems, accounting calculation modules, and API interfaces. It significantly shortens testing time and improves product launch speed.

2.Reducing Human Error

With tools that uniformly execute test scripts, deviations from operational mistakes in manual testing can be avoided. This ensures the accuracy and consistency of test results.

3.Enhancing System Stability and Information Security Control

Automated testing can verify functional correctness. In addition, it can be combined with stress testing and simulated attacks to detect potential vulnerabilities early to improve overall information security resilience.

4.Promoting Cross-Department Collaboration

Test scripts can be reused in different environments (development, testing, UAT, pre-release). It facilitates communication and collaboration among development, testing, and operations teams based on a common standard.

Tool Selection and Implementation Recommendations

When selecting automated testing tools, it is recommended to evaluate the following aspects:

•Technical Compatibility: Ensure that the tool supports current development languages, frameworks, and environments.

•User Friendliness: An intuitive and easy-to-use interface helps teams quickly adopt the tool.

•Community and Technical Support: Choose tools with active communities and comprehensive documentation to reduce learning and maintenance costs.

Currently, tools commonly used in the industry are Selenium, Postman (for API testing), JMeter (for performance testing), and so on. Some financial institutions also develop customized testing frameworks for specific needs, such as software test automation tools (ALM and UFT).

TDCC Testing Case Applications and Benefits – eNotice Automated Testing Project

1.Large-scale Data Comparison on Business System Web Pages

Any system must comply with the officially announced media file format when uploading files, and it immediately face the challenge of verifying whether the data formats of dozens or even hundreds of media fields are correct. In addition, the business process involves comparing the values of media fields with the expected results in the business system. In this project, TDCC leveraged software test automation tools (ALM and UFT) and completed the logic automation of the two aforementioned data consistency checks. In addition, the business processes are also automated and executed through the system’s automated operations. This significantly reduced the manual workload in data comparison and enhanced the effectiveness and reliability of business logic verification.

2.Script Development Efficiency

The UFT development tool supports simultaneous code development and editing of web-captured objects. Additionally, it enables manipulation and editing of web object properties during test script execution.

3.Integration Testing Efficiency

Under the ALM framework, test parameters can be flexibly configured according to the test scenario. When test cases are designed by integration testing personnel, this approach enhances the flexibility of both script developers and integration testers in executing test cases.

Conclusion: The Key to Balancing Quality and Speed

In today’s fast-evolving FinTech landscape, automated testing is no longer a peripheral part of development. It has become a critical tool for ensuring product quality, strengthening risk control mechanisms, and accelerating innovation. Through proper implementation strategies and continuous optimization, automated testing empowers enterprises to move forward steadily in a highly competitive market, delivering customers a safer, faster, and more reliable digital financial experience.

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