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I’ve seen it too many times. Development projects in testing can end up in a tangled mess when the required thinking is not employed up front. I rarely see people putting in place plans which they believe will fail. People aren’t irresponsible. But you can see that the approach is one that will lead to problems.
The consequences are much greater now
With the speed and distribution power of social media, the reputational risk people are taking with their brands is staggering. You don’t need to look very far for examples where the media have picked up on issues very quickly and it has turned into a PR storm.
Look at this and this, for example. Approximately 675,000 of their transactions were effected and the fallout was cast across all forms of media. It was huge. There are no hiding places so you can expect any failure in processing to hit the news and hit the news fast.
There is hope…but hope is not a test strategy. What do I mean by this?
I talk to lots of people about payment projects all over the world. You can quickly identify the thinking that goes into their test plans and make an estimate on the expected outcome. The mind set can be broken down into two clear areas for their plans. Hopefully Thinking and Trustful Planning
Hopeful thinking
When people are hopeful of delivering a robust test plan the thinking can be categorised by the following approaches. Those responsible for the project…
Unknowingly, those responsible are skimming over the required critical analysis but they are able to tick a box which says ‘The Test is Complete.’ In reality they are turning a blind eye, crossing their fingers, praying and clutching at four leaf clovers on the day they go live.
Trust in the approach
The ability to integrate new technology with the old technology can be extremely difficult and the problems are getting more and more complex. People need an approach to testing that they can trust. The mind set people need to adopt, I believe, is as follows:
New Technology
Payments is a complex business. An end to end card transaction, for example, can pass through more than ten different systems before it can be completed. The implications, as we’ve seen, are huge when it goes wrong. But, let’s be honest, it isn’t a matter of life and death (although I was declined trying to pay for Calpol with a credit card in the States for my 3 year old daughter, who was in pain, and it felt close to it. It was infuriating and I was not happy).
But, let’s look at different form of technology and use the same principles.
Let’s take a trip into the future and you’re in a car showroom several years from now. You like to be the first to take-up new technology and the conversation with the salesman is going well. You’re about to be one of the first owners of a driverless car. You’re thinking of the extra time to relax in the vehicle rather than having to stay focused on the road. You’ll have space to recline and read, sleep, or whatever you like to do when travelling.
Everything is in place but, as you’re a thoughtful kind of person, and want to make sure all occupants in the vehicle are safe, you ask about how the vehicle has been tested. The Salesman confidently tells you…
The Salesman goes on talking about different parts of the car.
You then ask some more questions….
The answer is that each component of the vehicle was tested in the lab in California and everything works perfectly.
Just how comfortable are you going to be sitting in that car as it accelerates up to 55 kilometres per hour from the forecourt? I’d feel more comfortable with my current car.
Apply the same principles to your payments test plans and are you hopeful or trusting of the process?
Hope is not a test strategy…
My father once said to me…
“If you only have a minute to do something you still have 10 seconds to figure out how to do it better”
As the payments landscape gets more and more complicated I feel it is important to look at testing in a different way. The shareholder value that can be lost by a rushed execution, with insufficient thought into delivery, is huge. It’s why we are challenging organisations with responsibility for delivering innovation to re-think their approach and take a fresh look at how they launch new initiatives.
This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author.
Kunal Jhunjhunwala Founder at airpay payment services
22 November
Shiv Nanda Content Strategist at https://www.financialexpress.com/
David Smith Information Analyst at ManpowerGroup
20 November
Konstantin Rabin Head of Marketing at Kontomatik
19 November
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