Introduction
Consumer behaviour is changing the landscape of business in the millennium century. The way financial services are used is characterized by individuality, mobility, independence of place and time, and flexibility. The internet is used increasingly, as a new distribution channel to offer complex products of equivalent quality at lower costs to customers, twenty-four hours a day, seven days a week. In the recent years there has been an explosion of internet based electronic banking applications that
leverage on this new form of technology to create highly competitive market conditions for bank providers.
Challenges
However, constantly changing market conditions demand banks to better understand changing consumers' needs and sentiments. The success of Internet banking can only be achieved with tailored financial products and services that fulfil customer's wants, preferences and quality expectations. Customer satisfaction is a key to success in Internet banking and banks will use different media to customize products and services to fit customers' specific needs into the future. Consumer perceptions of transaction security, transaction accuracy, user friendliness, and network speed are also critical factors for successes in
Internet banking.
From this perspective, Internet banking includes many challenges related to human computer interaction (HCI) which require reliable test plans. The first challenge is about increasing the number of services which the Internet banking facility can provide while simultaneously guaranteeingthe quality of service for individual customers. The second challenge is about understanding customer's needs, translating them into targeted content and presenting them in a personalized manner within a usable user interface. You are to provide a suitable test plan based on the given functional and non-functional requirements for an internet banking software which has been developed by your team for this application.
Customer:
The valid customer on internet banking has a set of personal attributes that can be used in internet banking.
Login:
A customer to be able to use this system, he/she has to enter username and password which he/she has created before and been saved in the database in the Login page. This function is applicable to an individual who is a customer or an Admin also.
View Account:
View Account allows a user to view up-to the minute balance information on deposit (saving/current), credit card, etc. The customer can also view transaction history with retention period up to a maximum of 90 days. Within this feature, the customer can request for account data such as “view online, by e-mail or by post option. But the customer must be logged into the internet banking system.
Transfer Funds:
The customer must be logged into the Banking System to be able to transfer funds. Transfer Funds feature allows customers to transfer funds between authorized accounts – own personal accounts. Requested transfers take place immediately or at a selected future date specified by customer. The customer can save up to a maximum of 10 accounts and update or delete their account details. All the outstanding future transfers are recorded in a table. The customer can also enquire whether there is any funds transfer pending.
Pay Bills:
The customer must be logged into the Banking System. With internet banking, customers can make payments to corporations that include utilities, assessments, Insurance, telecommunications, and other services. The customers can use the Online Pay Bill service to pay bills by debiting their account. This payment is made to payee corporations that the customer has registered with internet banking by using the Registered Bill. But with new payee corporations that the customer has not registered, this payment can be made immediately or at a later date.
Cheque Services:
The customer must be logged into the Banking System. The customer may enquire about cheque status, whether it is paid, unpaid, stopped or returned. It also allows the customer to stop cheque payment and to request for a cheque book online
Logout:
The customer must be logged into Banking System. This function is used when a logged in user finishes their transaction/s and wants to be logged out so that no one can abuse their account. The system will state the user has been logged out successfully.
Administrator:
An administrator is able to add/cancel customer, check the transactions etc. however, they must still be a valid user. Therefore, the administrator must have a username and password. The general duties of an administrator involve editing customer account rights to certain financial services like loans and bank investment plans based on their credit score ratings.
