CASE STUDY Financial Services

Digitizing Large
Dealer Financial
Services

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INTRODUCTION

Customer
Overview

Our client is changing the online financial services landscape with award-winning services powered by innovative digital experiences.

Its offerings include a full suite of financial services including car finance, online banking via a direct bank, corporate lending, vehicle insurance, mortgage loans, and an electronic trading platform to trade financial assets.

Our client’s dealer financial services division is one of the leading providers of independent financing, leasing, commercial insurance and vehicle protection for dealers and consumers. The company’s mission is to make auto financing simpler for customers and it provides products and resources to help them understand their financing options and make payments online and via mobile. It also helps drive success for auto dealers with a comprehensive suite of market-driven products, services, training and support to help grow their business – from inventory financing, employee training and insurance products to tailored assessment services that identify and recommend growth opportunities.

Serving Over 18,000 Dealers
4M Customers in the US
Financed a Vehicle Every 24 Seconds in 2018

Business Goals

CLIENT OBJECTIVES

Faster cycle time

for new digital
financial services

improve digital performance for dealer financial services

Higher Service Levels

via improved digital
performance

improve business process for dealer financial services

Operating Efficiencies

by reducing manual
effort and rework

digitize business process for dealer financial services

the challenge

digitize business processes

Our client’s dealer financial services team is trying to digitize as many parts of its business processes as possible where it can offer real value to its customers. It envisions a seamless, omni-channel experience for its customers that will differentiate its services from the competition and strengthen the relationship it has with its customers. This includes enabling customers to manage their auto loans online via mobile and web channels.

Users can login to perform any number of functions including add payment accounts, enroll in auto pay, make a payment, delete/edit pending payments, get FICO scores, request a quote, view transactions, edit profiles, preferences and much more.

a stepwise
approach

The dealer financial services technology team decided to roll out a new technology architecture to facilitate the backend system upgrade along with new UI flows to provide a better customer experience.

In order to meet its business goals, the technology team proposed a stepwise approach to achieve the following:

digital transformation financial services legacy UI flows

Transform the legacy UI flows to meet strategic architecture guidelines

Simplify login flows eliminating spaghetti calls between legacy frontend and backend

Transform the new login flows and migrate them to a microservices architecture

Enhance and simplify the existing enrollment flow and minimize technical debts

too many time-consuming manual processes

The proposed architectural changes need to be tested and certified in an Agile and automated fashion for web and mobile applications in order to meet demand for cycle time. Automation was needed at both the API and UI component levels for both web and mobile channels.

Our client’s current approach to software testing was hampered by too many time-consuming manual processes creating a number of problems:

A full week required to execute 450+ regression test cases in a single environment
No ability to deploy on multiple environments at the same time – creating much slower testing cycles
Complex narrative testing scenarios that slowed cycle time even further
A lack of expertise testing large cases on multiple browsers, and testing hybrid test scenarios

The Solution

accelerate digital delivery processes

Our client was familiar with Infostretch’s expertise in test automation and its ability to leverage automation to accelerate digital delivery processes. Infostretch was engaged on a focused basis to prove out test automation’s ability to deliver the speed, scale and efficiency required for the client to meet its digital delivery goals.

After gaining a thorough understanding of the client’s needs and expectations, the Infostretch team kicked off a well-defined test automation initiative that would serve as a model to accelerate their broader digital engineering efforts.

The scope of the engagement covered the businesses’ web, mobile web, and mobile native applications and included:

An open source automation framework and SOAP web services
Jenkins parameterized jobs for clients for daily execution
Video recording of test execution using GIF images and exporting results in Excel for analysis
Jenkins for continuous
integration

Multiple batch scenarios which could be executed simultaneously
Error bucketing for tracking and categorizing errors
Execution of hybrid scenarios using a single tool
Selenium grid for parallel
execution

open source automation framework

The open source automation framework enabled the client’s delivery team to write automated UI tests to simulate real user activities for each interface without worrying about common tasks such as thread-safe browser sessions for running tests in parallel, reporting, or incorporating results with test management tools. The tests were configured through standard testing configuration files, test run filters, and behavior was able to be changed within the config file.

The automation framework also integrates with secured private cloud-based mobile and web browser testing platforms where test automation can be executed against real mobile devices and a variety of desktop web browsers. Using the framework, automation scripts are executed on real mobile devices on different versions of iOS and Android. The devices can also be shared across different teams and different geographies for testing.

As a result, the client was able to cut test cycle time by more than 90% for the specific applications, increasing capacity and efficiencies significantly. Our client will now use this framework as a model to expand its use of automation and speed delivery cycles in other areas of the business.

Results

Key Outcomes
& Achievements

Reduced
Testing Time

by 97.5% – from 240 hrs of manual effort to 4 hrs of automated effort in a single test environment for 450+ test cases

Comprehensive
Automation

enabling daily and on demand execution of regression suite and testing of complex scenarios

Faster Cycle
Time

with the help of automation and reusable test components

Digitizing Large Dealer Financial Services

Customer Overview