Autonomous end-to-end testing
for online banking applications
How to accelerate delivery and reduce risks
Tim Hinds PMM Lead @ Applitools
Challenges for all testing teams today
VOLUME
Surging number of
interfaces, states, and
scenarios to verify
COMPLEXITY
UIs are more complex and
dynamic than ever before
VELOCITY
Increasing frequency of new
features and deployments,
especially w/ AI coding co-pilots
RESOURCES
Limited team budgets = “do
more with less.”
ENVIRONMENTS
Apps are accessed on
thousands of browsers,
devices, & screens
DATA-RICH SCENARIOS MULTI-SCREEN BANKING
DYNAMIC CONTENT
LOCALIZATION PERSONALIZATION
ACCESSIBILITY
Challenges for financial testing teams
PDF GENERATION
COMPLIANCE
Poor Test Coverage
Both manual testing and traditional test
automation suffer from validating a
finite number of explicit scenarios in a
set amount of time.
Delays Every Release
Rapidly changing UIs in today’s
multi-screen environment require a
large number of end-to-end tests that
need to be constantly rewritten.
Expensive QA Costs
To keep up with modern development,
organizations require an ever-growing
number of expensive headcount
dedicating time to testing software.
Traditional testing can’t keep up
Traditional testing
scales linearly by
adding resources
2000 2005 2010 2015 2020 2025
Release
Frequency
x
Application
Complexity
x
Device
Proliferation
Increasing
complexity
of software quality Traditional test
automation cannot
meet the demands of
the business
The Testing Gap
Engineering & QA leaders are faced with
terrible tradeoffs
More than half of engineering teams are
responsible for the development and
maintenance of automated tests.
2023 The State Of Dev Ecosystem 2022 DevOps Survey 2022: Cost Of Poor Software
58% #1 50%
PRODUCTIVITY LOSS
Testing was the #1 reason for the loss of
velocity in deployment and launching
new features.
VELOCITY LOSS
Over a 25-year life of a large software
system, almost fifty cents out of every
dollar will go to finding & fixing bugs.
INCREASED COST
Here comes the robots!
Which AI tools are being used for testing?
Lots of generic and
coding-specific
GenAI usage, but
testing-specific AI
tools are now
gaining traction.
Source: Exploring the Impact of AI in QA by TestRail
Categories of
AI Features in
Testing Tools
✨ Coding Assistants (Co-Pilot, etc.)
✨ Test Case Generators
✨ Test Code Generators
✨ Natural Language Testing
✨ Testing Agents
✨ Visual AI
AI Trusted
for Testing
Financial
Apps Today
🙎 Coding Assistants (co-pilots)
🙎 Test Case Generators
🙎 Test Code Generators
🙎 Natural Language Testing
✖ Testing Agents
✔ Visual AI
How’s Visual AI different from
Traditional Testing?
Traditional Testing vs. Visual AI
Baseline New Candidate New Candidate
Traditional Testing Visual AI
Navigation
Button Click
Validation
Traditional Testing Visual AI
Isn’t that just Visual Testing?
Types of Visual Testing
DOM diffing Visual AI
Pixel comparison
What is
Visual AI?
AI-powered automated visual testing
that combines a learning algorithm to
interpret the relationship between a
rendered page and intended display
of visual elements with actual visual
elements and locations.
What is
Visual AI?
Benefits of Visual AI:
● Takes page snapshots as your
functional tests run.
● Uses algorithms instead of pixels to
determine when errors have
occurred, reducing false positives.
● Works with dynamic content and
intentional changes to the UI.
Use cases Visual AI covers
that pixel comparison and DOM diffing don’t
✓ Cross-browser testing
✓ Product content
✓ Ad content
✓ Search content
✓ User-submitted content
✓ Suggested content
✓ Account dashboards
✓ Notification icons
✓ Mobile device status bars
✓ Content shifts
✓ Mouse hovers
✓ Cursors
✓ Anti-aliasing settings
✓ Browser upgrades
Input
Layer
Hidden Layer 1 Hidden Layer 2 Hidden Layer 3
Output
Layer
Multiple layers (dozens or hundreds)
Raw data.
Every pixel is a feature!
Deep Learning to Build Visual AI
1. Dynamic Testing
2. A/B Testing
3. Test Grouping
4. Visual Locators
5. Contrast Advisor
6. Baseline management
So just Visual AI then?
Automated test maintenance
Employs DNNs to find similar
differences across different OS,
devices and browsers (e.g.,
different fonts).
Self healing element locators
Employs algorithms and ML to
find UI elements with broken
locators based on previous
successful test runs.
Automated test data generation
Employs DNNs to detect input
forms in apps and the data types
of their fields to facilitate proper
test data generation.
Automatic test suite creation
Employs Generative AI
algorithms to generate entire test
suites for websites and
multi-page web applications.
Author tests in plain English
Employs LLMs for language
understanding and for translating
business level test instructions to
detailed UI interactions.
Visual AI: human vision modeling
Employs dozens of algorithms, and
DNNs to model color similarity, text
vs image, picture vs graphics,
pattern detection, etc.
* ML – Machine Learning, DNN – Deep Neural Network, LLM – Large Language Model
How Applitools uses AI In the Testing Lifecycle
Now for the part you were
banking on!
$ Mobile & online banking CX
$ Brand validation across subsidiary banks
$ Correct branding on SaaS apps
$ Public website visual validation
$ Wholesale banking experience monitoring
$ PDF validation (statements, contracts, etc.)
Applitools AI Testing
Use Cases for Financial
Testing Teams
Top 5 US Bank
App Under Test:
Online Banking
Challenge:
Open source tools and manual
testing took massive developer and
QA effort, slowing release of new
features for community banking
customers.
Result:
Automatically detected 35% more
UI defects weekly and reduced
effort to code & maintain tests.
Increased Test
Coverage 5x browsers & devices
Production Bugs
Caught/Repaired
Early in Cycle
5+bugs fixed per release
Manual Test Effort
Reduction/Savings 555 hours per release
Effort Saved to
Create/Maintain
Visual UI Tests
444hours per release
ROI Delivered 344%per year
Top 5 US Bank
How do you get those kinds of
results?
AI-Driven Testing
Attain near complete
test coverage
From below 20% to 80% or more
Catch unexpected defects
Lower the required
skill set
From dev to quality
Reduce human
intervention required
From total involvement to review
findings and filling coverage gaps
20 % AI-Assisted + 80% Autonomous
20% - Custom Flow Tests
For testing your most important
user flows with functional data,
visual assertions, and API calls
across browsers and devices.
80% - Visual AI Full Page Tests
For increasing test coverage
autonomously with Visual AI for
functional and visual testing
across browsers and devices.
Interactive test authoring in plain English
✓ Author tests in plain English
No coding or locators skills required. Easiest
to understand and maintain.
✓ Interactively record test steps
Speed up authoring by recording steps in
English, and easily refine manually if needed.
✓ Debug tests interactively
From setting breakpoints to step by step
execution. Do everything a code IDE can do.
✓ 100% SaaS
No need to install a local recorder. Record
and playback tests exactly as they will run.
Interactive test authoring in plain English
✓ Author tests in plain English
No coding or locators skills required. Easiest
to understand and maintain.
✓ Interactively record test steps
Speed up authoring by recording steps in
English, and easily refine manually if needed.
✓ Debug tests interactively
From setting breakpoints to step by step
execution. Do everything a code IDE can do.
✓ 100% SaaS
No need to install a local recorder. Record
and playback tests exactly as they will run.
Functional data driven testing
✓ Robust textual assertions
Verify everything you can do with coded
tests from string formats to numeric values.
✓ Test parameterization
Execute tests with explicit arguments or per
row in a test arguments dataset.
✓ Capture data in variables
Extract value fragments and use them in
subsequent test steps.
✓ Execute JS code
When you need to describe complex logic,
reuse a utility or manipulate the page.
Functional data driven testing
✓ Robust textual assertions
Verify everything you can do with coded
tests from string formats to numeric values.
✓ Test parameterization
Execute tests with explicit arguments or per
row in a test arguments dataset.
✓ Capture data in variables
Extract value fragments and use them in
subsequent test steps.
✓ Execute JS code
When you need to describe complex logic,
reuse a utility or manipulate the page.
Functional data driven testing
✓ Robust textual assertions
Verify everything you can do with coded
tests from string formats to numeric values.
✓ Test parameterization
Execute tests with explicit arguments or per
row in a test arguments dataset.
✓ Capture data in variables
Extract value fragments and use them in
subsequent test steps.
✓ Execute JS code
When you need to describe complex logic,
reuse a utility or manipulate the page.
LLM assisted test authoring
✓ Automatic error correction
Automatically corrects syntax and grammar
mistakes
✓ Automatic step simplification
Automatically splits complex steps to multiple
simpler ones
✓ Automatic step disambiguation
Automatically disambiguates step to clarify
how the step will be executed
✓ Intent based testing
Automatically generate test steps and test
data given a test goal.
LLM assisted test authoring
✓ Automatic error correction
Automatically corrects syntax and grammar
mistakes
✓ Automatic step simplification
Automatically splits complex steps to multiple
simpler ones
✓ Automatic step disambiguation
Automatically disambiguates step to clarify
how the step will be executed
✓ Intent based testing
Automatically generate test steps and test
data given a test goal.
API testing
✓ Initiate HTTP requests
Custom authentication, reset app state, data
cleanup, or verify the backend state.
✓ Fully configurable
Specify HTTP verbs, cookies, headers, and
body. Use variables and parameters.
✓ Capture response details
Verify response details or store it in variables
to use in subsequent test steps
✓ Capture application requests
Capture outbound client requests and
responses to verify or use their data.
API testing
✓ Initiate HTTP requests
Custom authentication, reset app state, data
cleanup, or verify the backend state.
✓ Fully configurable
Specify HTTP verbs, cookies, headers, and
body. Use variables and parameters.
✓ Capture response details
Verify response details or store it in variables
to use in subsequent test steps
✓ Capture application requests
Capture outbound client requests and
responses to verify or use their data.
Autonomous self-maintaining website testing
✓ Easy setup
Everything is included out of the box,
from devices & browsers to test scheduling.
✓ Increase coverage for pages
Upload URL list of to scan
✓ Run flows before tests
Run flows like auth/login before running the
test for web apps
Autonomous self-maintaining website testing
✓ Easy one-click setup
Everything is included out of the box,
from devices & browsers to test scheduling.
✓ Automatic website discovery
Automatically crawls and finds all the pages
in your website given its URL.
✓ Comprehensive coverage
Automatically reports of any HTTP issue,
content change or rendering difference
✓ Adjusts to website changes
Automatically detects and reports new,
missing or faulty pages on every test run.
Visual assertions powered by VisualAI
✓ Complete coverage
Complete visual and functional coverage
across multiple devices and browsers.
✓ Fewer test steps
80% less test steps to author and maintain
for the entire lifetime of the test.
✓ Scalable maintenance
Accept or reject differences once across all
pages, devices and browsers
✓ The best computer vision tech
Accurately mimics the human eye. 10+ dev
years / 4B+ tests.
Visual assertions powered by VisualAI
✓ Complete coverage
Complete visual and functional coverage
across multiple devices and browsers.
✓ Fewer test steps
80% less test steps to author and maintain
for the entire lifetime of the test.
✓ Scalable maintenance
Accept or reject differences once across all
pages, devices and browsers
✓ The best computer vision tech
Accurately mimics the human eye. 10+ dev
years / 4B+ tests.
Autonomous
Autonomous testing for websites and web apps
✓ Easy one-click setup
Everything you need is included out of the box.
From devices & browsers to test scheduling.
✓ Autonomous test suite for websites
Automatically create self-maintaining test suites.
Detect new, missing, or faulty pages on every run.
✓ Interactive no-code test authoring
Record test steps in real time or write them in plain
English. No coding or element locating skills required.
✓ LLM assisted test authoring
Automatic syntax/grammar correction, step
disambiguation and intent based testing.
✓ Cross device and browser testing
Test your public and internal apps on any device,
browser, operating system, and screen size.
✓ Visual testing powered by Visual AI
Visual assertions you can trust that scale with you.
Avoid repetitive maintenance activities.
✓ Functional data-driven testing
Easily perform data-driven and dynamic data testing
with variables, parameters, and textual assertions.
✓ API testing
Initiate http requests with custom headers and cookies.
Verify responses or use them in subsequent test steps.
Q&A
Try Applitools Autonomous for Free Get the AI Testing Buyer’s Guide
Additional Resources

Autonomous End-to-End Testing for Online Banking Applications Presented with QA Media

  • 1.
    Autonomous end-to-end testing foronline banking applications How to accelerate delivery and reduce risks Tim Hinds PMM Lead @ Applitools
  • 2.
    Challenges for alltesting teams today VOLUME Surging number of interfaces, states, and scenarios to verify COMPLEXITY UIs are more complex and dynamic than ever before VELOCITY Increasing frequency of new features and deployments, especially w/ AI coding co-pilots RESOURCES Limited team budgets = “do more with less.” ENVIRONMENTS Apps are accessed on thousands of browsers, devices, & screens
  • 3.
    DATA-RICH SCENARIOS MULTI-SCREENBANKING DYNAMIC CONTENT LOCALIZATION PERSONALIZATION ACCESSIBILITY Challenges for financial testing teams PDF GENERATION COMPLIANCE
  • 4.
    Poor Test Coverage Bothmanual testing and traditional test automation suffer from validating a finite number of explicit scenarios in a set amount of time. Delays Every Release Rapidly changing UIs in today’s multi-screen environment require a large number of end-to-end tests that need to be constantly rewritten. Expensive QA Costs To keep up with modern development, organizations require an ever-growing number of expensive headcount dedicating time to testing software. Traditional testing can’t keep up Traditional testing scales linearly by adding resources 2000 2005 2010 2015 2020 2025 Release Frequency x Application Complexity x Device Proliferation Increasing complexity of software quality Traditional test automation cannot meet the demands of the business The Testing Gap
  • 5.
    Engineering & QAleaders are faced with terrible tradeoffs More than half of engineering teams are responsible for the development and maintenance of automated tests. 2023 The State Of Dev Ecosystem 2022 DevOps Survey 2022: Cost Of Poor Software 58% #1 50% PRODUCTIVITY LOSS Testing was the #1 reason for the loss of velocity in deployment and launching new features. VELOCITY LOSS Over a 25-year life of a large software system, almost fifty cents out of every dollar will go to finding & fixing bugs. INCREASED COST
  • 6.
  • 7.
    Which AI toolsare being used for testing? Lots of generic and coding-specific GenAI usage, but testing-specific AI tools are now gaining traction. Source: Exploring the Impact of AI in QA by TestRail
  • 8.
    Categories of AI Featuresin Testing Tools ✨ Coding Assistants (Co-Pilot, etc.) ✨ Test Case Generators ✨ Test Code Generators ✨ Natural Language Testing ✨ Testing Agents ✨ Visual AI
  • 9.
    AI Trusted for Testing Financial AppsToday 🙎 Coding Assistants (co-pilots) 🙎 Test Case Generators 🙎 Test Code Generators 🙎 Natural Language Testing ✖ Testing Agents ✔ Visual AI
  • 10.
    How’s Visual AIdifferent from Traditional Testing?
  • 11.
  • 12.
    Baseline New CandidateNew Candidate Traditional Testing Visual AI
  • 13.
  • 14.
    Isn’t that justVisual Testing?
  • 15.
    Types of VisualTesting DOM diffing Visual AI Pixel comparison
  • 16.
    What is Visual AI? AI-poweredautomated visual testing that combines a learning algorithm to interpret the relationship between a rendered page and intended display of visual elements with actual visual elements and locations.
  • 17.
    What is Visual AI? Benefitsof Visual AI: ● Takes page snapshots as your functional tests run. ● Uses algorithms instead of pixels to determine when errors have occurred, reducing false positives. ● Works with dynamic content and intentional changes to the UI.
  • 18.
    Use cases VisualAI covers that pixel comparison and DOM diffing don’t ✓ Cross-browser testing ✓ Product content ✓ Ad content ✓ Search content ✓ User-submitted content ✓ Suggested content ✓ Account dashboards ✓ Notification icons ✓ Mobile device status bars ✓ Content shifts ✓ Mouse hovers ✓ Cursors ✓ Anti-aliasing settings ✓ Browser upgrades
  • 19.
    Input Layer Hidden Layer 1Hidden Layer 2 Hidden Layer 3 Output Layer Multiple layers (dozens or hundreds) Raw data. Every pixel is a feature! Deep Learning to Build Visual AI 1. Dynamic Testing 2. A/B Testing 3. Test Grouping 4. Visual Locators 5. Contrast Advisor 6. Baseline management
  • 20.
  • 21.
    Automated test maintenance EmploysDNNs to find similar differences across different OS, devices and browsers (e.g., different fonts). Self healing element locators Employs algorithms and ML to find UI elements with broken locators based on previous successful test runs. Automated test data generation Employs DNNs to detect input forms in apps and the data types of their fields to facilitate proper test data generation. Automatic test suite creation Employs Generative AI algorithms to generate entire test suites for websites and multi-page web applications. Author tests in plain English Employs LLMs for language understanding and for translating business level test instructions to detailed UI interactions. Visual AI: human vision modeling Employs dozens of algorithms, and DNNs to model color similarity, text vs image, picture vs graphics, pattern detection, etc. * ML – Machine Learning, DNN – Deep Neural Network, LLM – Large Language Model How Applitools uses AI In the Testing Lifecycle
  • 22.
    Now for thepart you were banking on!
  • 23.
    $ Mobile &online banking CX $ Brand validation across subsidiary banks $ Correct branding on SaaS apps $ Public website visual validation $ Wholesale banking experience monitoring $ PDF validation (statements, contracts, etc.) Applitools AI Testing Use Cases for Financial Testing Teams
  • 24.
    Top 5 USBank App Under Test: Online Banking Challenge: Open source tools and manual testing took massive developer and QA effort, slowing release of new features for community banking customers. Result: Automatically detected 35% more UI defects weekly and reduced effort to code & maintain tests.
  • 25.
    Increased Test Coverage 5xbrowsers & devices Production Bugs Caught/Repaired Early in Cycle 5+bugs fixed per release Manual Test Effort Reduction/Savings 555 hours per release Effort Saved to Create/Maintain Visual UI Tests 444hours per release ROI Delivered 344%per year Top 5 US Bank
  • 26.
    How do youget those kinds of results?
  • 27.
    AI-Driven Testing Attain nearcomplete test coverage From below 20% to 80% or more Catch unexpected defects Lower the required skill set From dev to quality Reduce human intervention required From total involvement to review findings and filling coverage gaps
  • 28.
    20 % AI-Assisted+ 80% Autonomous 20% - Custom Flow Tests For testing your most important user flows with functional data, visual assertions, and API calls across browsers and devices. 80% - Visual AI Full Page Tests For increasing test coverage autonomously with Visual AI for functional and visual testing across browsers and devices.
  • 29.
    Interactive test authoringin plain English ✓ Author tests in plain English No coding or locators skills required. Easiest to understand and maintain. ✓ Interactively record test steps Speed up authoring by recording steps in English, and easily refine manually if needed. ✓ Debug tests interactively From setting breakpoints to step by step execution. Do everything a code IDE can do. ✓ 100% SaaS No need to install a local recorder. Record and playback tests exactly as they will run.
  • 30.
    Interactive test authoringin plain English ✓ Author tests in plain English No coding or locators skills required. Easiest to understand and maintain. ✓ Interactively record test steps Speed up authoring by recording steps in English, and easily refine manually if needed. ✓ Debug tests interactively From setting breakpoints to step by step execution. Do everything a code IDE can do. ✓ 100% SaaS No need to install a local recorder. Record and playback tests exactly as they will run.
  • 31.
    Functional data driventesting ✓ Robust textual assertions Verify everything you can do with coded tests from string formats to numeric values. ✓ Test parameterization Execute tests with explicit arguments or per row in a test arguments dataset. ✓ Capture data in variables Extract value fragments and use them in subsequent test steps. ✓ Execute JS code When you need to describe complex logic, reuse a utility or manipulate the page.
  • 32.
    Functional data driventesting ✓ Robust textual assertions Verify everything you can do with coded tests from string formats to numeric values. ✓ Test parameterization Execute tests with explicit arguments or per row in a test arguments dataset. ✓ Capture data in variables Extract value fragments and use them in subsequent test steps. ✓ Execute JS code When you need to describe complex logic, reuse a utility or manipulate the page.
  • 33.
    Functional data driventesting ✓ Robust textual assertions Verify everything you can do with coded tests from string formats to numeric values. ✓ Test parameterization Execute tests with explicit arguments or per row in a test arguments dataset. ✓ Capture data in variables Extract value fragments and use them in subsequent test steps. ✓ Execute JS code When you need to describe complex logic, reuse a utility or manipulate the page.
  • 34.
    LLM assisted testauthoring ✓ Automatic error correction Automatically corrects syntax and grammar mistakes ✓ Automatic step simplification Automatically splits complex steps to multiple simpler ones ✓ Automatic step disambiguation Automatically disambiguates step to clarify how the step will be executed ✓ Intent based testing Automatically generate test steps and test data given a test goal.
  • 35.
    LLM assisted testauthoring ✓ Automatic error correction Automatically corrects syntax and grammar mistakes ✓ Automatic step simplification Automatically splits complex steps to multiple simpler ones ✓ Automatic step disambiguation Automatically disambiguates step to clarify how the step will be executed ✓ Intent based testing Automatically generate test steps and test data given a test goal.
  • 36.
    API testing ✓ InitiateHTTP requests Custom authentication, reset app state, data cleanup, or verify the backend state. ✓ Fully configurable Specify HTTP verbs, cookies, headers, and body. Use variables and parameters. ✓ Capture response details Verify response details or store it in variables to use in subsequent test steps ✓ Capture application requests Capture outbound client requests and responses to verify or use their data.
  • 37.
    API testing ✓ InitiateHTTP requests Custom authentication, reset app state, data cleanup, or verify the backend state. ✓ Fully configurable Specify HTTP verbs, cookies, headers, and body. Use variables and parameters. ✓ Capture response details Verify response details or store it in variables to use in subsequent test steps ✓ Capture application requests Capture outbound client requests and responses to verify or use their data.
  • 38.
    Autonomous self-maintaining websitetesting ✓ Easy setup Everything is included out of the box, from devices & browsers to test scheduling. ✓ Increase coverage for pages Upload URL list of to scan ✓ Run flows before tests Run flows like auth/login before running the test for web apps
  • 39.
    Autonomous self-maintaining websitetesting ✓ Easy one-click setup Everything is included out of the box, from devices & browsers to test scheduling. ✓ Automatic website discovery Automatically crawls and finds all the pages in your website given its URL. ✓ Comprehensive coverage Automatically reports of any HTTP issue, content change or rendering difference ✓ Adjusts to website changes Automatically detects and reports new, missing or faulty pages on every test run.
  • 40.
    Visual assertions poweredby VisualAI ✓ Complete coverage Complete visual and functional coverage across multiple devices and browsers. ✓ Fewer test steps 80% less test steps to author and maintain for the entire lifetime of the test. ✓ Scalable maintenance Accept or reject differences once across all pages, devices and browsers ✓ The best computer vision tech Accurately mimics the human eye. 10+ dev years / 4B+ tests.
  • 41.
    Visual assertions poweredby VisualAI ✓ Complete coverage Complete visual and functional coverage across multiple devices and browsers. ✓ Fewer test steps 80% less test steps to author and maintain for the entire lifetime of the test. ✓ Scalable maintenance Accept or reject differences once across all pages, devices and browsers ✓ The best computer vision tech Accurately mimics the human eye. 10+ dev years / 4B+ tests.
  • 42.
    Autonomous Autonomous testing forwebsites and web apps ✓ Easy one-click setup Everything you need is included out of the box. From devices & browsers to test scheduling. ✓ Autonomous test suite for websites Automatically create self-maintaining test suites. Detect new, missing, or faulty pages on every run. ✓ Interactive no-code test authoring Record test steps in real time or write them in plain English. No coding or element locating skills required. ✓ LLM assisted test authoring Automatic syntax/grammar correction, step disambiguation and intent based testing. ✓ Cross device and browser testing Test your public and internal apps on any device, browser, operating system, and screen size. ✓ Visual testing powered by Visual AI Visual assertions you can trust that scale with you. Avoid repetitive maintenance activities. ✓ Functional data-driven testing Easily perform data-driven and dynamic data testing with variables, parameters, and textual assertions. ✓ API testing Initiate http requests with custom headers and cookies. Verify responses or use them in subsequent test steps.
  • 43.
    Q&A Try Applitools Autonomousfor Free Get the AI Testing Buyer’s Guide Additional Resources