Perfecting
Digital Financial
Service
Experiences
Customer Challenges and Goals
Web and mobile banking apps are becoming the most important customer channel for financial
institutions, and customers today expect their online banking experiences to be just as smooth
and easy as—if not more than—their in-person banking experiences. Thus, a website or app with
weak security or a lacklustre user experience can lead to poor customer satisfaction ratings,
lower brand reputation, litigation and even loss of customers.
Some Key Stats
1.9B people used online banking in
2020, with the number expected to
reach 2.5B by 2024 1
46% of customers under 55 would
switch banks for a better digital
experience.2
A broker could lose $4M in revenue
per millisecond if their trading
platform is 5 milliseconds behind
competition.3
Average cost of a single data
breach was $4.24M in 2021. 4
Mobile wallet transaction size was
close to $1.5T in 2020 and is
expected to cross $10T by 20285
The Challenge
Financial Institutions need to create a seamless
online experience to retain customers. However
Numerous factors can impact a financial institution’s
digital experience, such as
Managing security, compliance and accessibility.
Geographic disparities in legal requirements.
Reliability, availability and high volume of
transactions.
Compatibility across a diversity of carriers, OS,
and devices.
Digital compliance: Data protection, security,
accessibility.
Conventional testing tools such as simulators and
emulators provide only a limited simulation of real
world devices and don’t enable organizations to test
on or pinpoint the issues their website or apps may
face under real-world conditions.
The HeadSpin Solution
HeadSpin works closely with you to meet testing requirements spanning functional,
performance, and regression testing. This ensures the security, accessibility,
compliance, and global consistency of your web and mobile banking solutions.
Our teams are available to help you get the most out of your investment and assure
optimal digital experiences for your customers.
HeadSpin Digital Experience Insights Platform
Test Execution
Data Collection & ML Models
Insights to Actions
HS Appliance
Headspin
ML & Data
Science
Platform
Test Devices
- Mobile Phones and tablets - Smart TVs
- Web Browsers
- Gaming Consoles
- OTT Devices
- Set Top Boxes
Data Collected From Real Devices
Deployed across global locations
100 locations, 70 countries
On-Prem, HS Cloud, BYOD
Access devices via
Remote control
UI/debug bridge
●
●
●
●
Super Admin
Waterfall UI
Burst UI
Time Impact(All Issues)
Time Impact(Selected Issues)
Request for More Issues
Headspin Session
Headspin Performance Dashboard/Analytics
London
HSPA
High
EE
Session Impact Curve
6.20s
Impact
Low
Performance Issue Categories
83
ISSUES
18.07s
Low Page Content
Slow Server
Slow TLS
5
Duplicate Messages
16
Slow Downloads
ISSUES
Low Page Content
Slow TLS
Connection Reuse
Slow Server
Duplicate Messages
Slow Downloads
1.8s
268ms
1.25s
155ms
1.32s
fastlane.rubicon...
secure.adnxs.com
googleads.g.dlou...
s0.2mdn.net
7.20s
3.30s
10
ISSUES
ISSUES
Performance Issue Cards
Connection Reuse
7
8
ISSUES
ISSUES
1.3s
2.92s
servedby.flashtal...
cm.g.doubleclick...
1.89s
1.13s
postgreSQL
Data pipeline/Replica DB
AI Analysis
Issue Detection
Root Cause Analysis
Regression Intelligence
●
●
●
130 Data KPIs
Product,Eng,Test,Ops
Dashboards
Actionable Insights
Alerts for critical KPIs
App, Device, OS, Network, Edge
Collaboration
HeadSpin Device Ecosystem:
Process and Timelines
Week 1-2
Kickoff and Demo
We work with you to identify the source of your pain
points and challenges and understand how you quantify
user experience—both in-lab and while using the
application—with KPIs relevant to your user journey. A
customized demo and performance report can be
provided.
Trial/POC
Week 3-4
We’ll offer either a trial environment depending on your
needs (Virtual Private Cloud vs. On-premise vs.
Multi-tenant Model on HeadSpin Cloud), or we can
implement a Proof of Concept (PoC). A PoC starts after
manually setting the success criteria based on your
objectives and establishing the amount of edge
infrastructure needed to meet your goals.
Week 5-6
Deploy/Go Live
To understand the impact of the implementation on
your identified challenges and goals, we’ll conduct a
detailed comparison and ensure you have collected all
KPIs identified. We’ll assist in configuring any additional
modules you may have considered, fix any remaining
issues, start deployment, and go live.
Benefits
Value to BFSI Organizations
Security
compliance
Physically secure your devices with an electronic lock and associated
access audit log. Get audit trail of all actions performed on devices and
hosts. Finally, a dedicated VPC controls data access—no traffic leaves
the isolated network.
Create Your
Own Lab (CYOL)
CYOL enables companies to use individual devices to be on-boarded to
the HeadSpin Platform and run automated testing. It also empowers
businesses to run edge testing when the business is at a particular
location and want to test their apps in that location.
Test on Location
Meet regional BFSI regulations and expectations with
region-specific testing and analysis on real, SIM-enabled devices in 100+
locations around the world.
Performance
Monitoring
Continuously monitor and optimize quality of experience across
applications, devices and 3rd-party interfaces with HeadSpin’s mobile
app performance testing insights.
Accessible apps
Integrate HeadSpin’s audio APIs in your test automation scripts, to
automatically verify if the correct audio is being played, and avoid
accessibility issues.
Powerful
integrations
Create, execute, and automate tests on real devices with extensive
framework and API support. Integrate with a diversity of CI/CD
workflows.
Pinpoint the root causes of issues affecting user retention with in-depth
Measure and
monitor BFSI KPIs QoE and performance data across apps, networks, and devices — no
SDK or code changes required.
No SDKs
HeadSpin does not require the installation of a proprietary
SDK/modification of the code to deliver in-depth performance visibility
into a mobile app.
HeadSpin customers have seen the following outcomes:
68% 90% 30% 60%
Fewer hours spent
on QA for new releases
Reduction in number of
production issues
Faster development cycles
Faster in-app load times
Customer Story
HeadSpin's Browser
and Functional Testing
Capabilities Power
Key Citi Ventures
Applications
Citi Ventures needed to automate functional and
compliance testing for their two key apps Worthi
by Citi and City Builder.
Citi and HeadSpin deployed both Apple and
Android devices across multiple cities.
HeadSpin helped Citi Ventures create and
execute automated test scripts, perform
pre-launch testing, and summarize test reports
on the HeadSpin platform dashboards.
With HeadSpin, Citi Ventures is able to complete
nearly 24,000 tests per day on both desktop
browsers and mobile devices. This saves hours
of internal infrastructure management, so the
development team can launch new features
quickly and create quality experiences in
confidence.
About HeadSpin
HeadSpin helps organizations deliver flawless digital experiences. HeadSpin platform offers
capabilities to test on real devices, debug remotely, run functional and non functional evaluation,
and provide a quantitative view of digital experiences. HeadSpin’s global infrastructure is
deployed in 100+ locations globally, and collects 120+ data points during manual/automated
tests. HeadSpin’s AI & analytics engine analyses the data from these tests to identify issues and
enable a holistic validation of quality and experiences.
Solution powered by OpenShift
Red Hat OpenShift is the leading enterprise Kubernetes platform; a security-focused, consistent
foundation to deliver applications anywhere, in the cloud or in the datacenter. With Red Hat
OpenShift, innovators can focus on what matters, stay competitive, and outpace continually
rising customer expectations. OpenShift benefits applications with container-based portability
and scalability.
References
1
Statista - Number of Active Online Banking Users Worldwide in 2020 with Forecasts from 2021 to 2024, by Region
2
ABA Banking Journal - Survey: Younger Customers More Likely to Switch Banks for Better Digital Features
3
TABB Group - The Value of a Millisecond: Finding the Optimal Speed of a Trading Infrastructure
4
IBM: Cost of a Data Breach Report 2021
5
Fortune Business Insights - Mobile Payment Market Size, Share & COVID-19 Analysis
Contact Us
685 North Pastoria Ave
Sunnyvale, CA 94085
info@HeadSpin.io
www.HeadSpin.io