Mobile Banking is rapidly deployed across developed markets as well as emerging markets. In some regions the race is driven by customer demand, for example Africa, India etc. where the computer penetration is low and primary channel is mobile banking. In other markets where computer penetration is high and matured its still launched as additional channel to support latest Apple iPhone, Google Droid, HTC Hero, Nokia Symbian etc.
The mobile banking or sms banking or text banking testing encompasses various steps like
Functional Testing on Server Side
Functional Testing on Client Side
Performance Testing
Security Testing
Is the functionality for SMS Push/Pull or does it have other client applications and content?
Functional testing will include certain standard testing like
Funds Transfer
Enquiry Services
Requests
Bill Pay
Credit Card Transaction confirmations
For Mobile Banking Performance Testing the objective and scope is very important as it may involve end-to-end or server side or client side testing.
If it's end-to-end need to have some visibility and control or access to various points in the chain. Which component should you be concentrating your efforts on based upon what the Bank owns and controls?
Mobile apps
Devices and Operating Systems
Network GPRS etc.
Multiple carriers and locations
Server side components
Experienced teams who have done these testing will be in better position to quickly get the job done for Client.
Once the mobile banking performance testing channel is live next step is to Monitor the Banking Channel from locations of your interest. It will be better to see if one vendor can deliver performance in pre-production as well as provide continuous support during post production.