CASE STUDIES
TIS Payments
Test Creator
Tailored IT Solutions for the Financial Industry
CASE STUDIES
TIS Payments
Test Creator
Tailored IT Solutions for the Financial Industry
Challenge:
Simplifying Payment System Testing for Banks (SEPA CT, SEPA DD, INSTANT, ISO SWIFT)
TIS GRUPA has extensive experience developing tailored IT solutions, and the TIS Payments Test Creator is designed for the financial industry. This tool was created to address the challenges faced by financial institutions in Croatia and beyond—namely, the complexity of testing interbank payment functionalities related to SEPA (Credit Transfer, Direct Debit, Instant Payments) and SWIFT (ISO), particularly in the context of frequent regulatory changes requiring extensive testing.
As financial regulations evolve, the need for testing becomes more demanding, especially for complex payment systems.
Solutions:
SEPA CT/DD
Test Creator Tool
The SEPA CT/DD Test Creator is designed to automate and simplify the creation of test files required for SEPA Credit Transfers (CT) and Direct Debits (DD). The largest banks in Croatia have successfully used this tool, and banks in Slovenia and Montenegro are also adopting it.
It enables functional and performance testers and business users to quickly and efficiently generate large volumes of test messages tailored to the bank’s testing scenarios. This significantly reduces the workload and effort needed to implement regular regulatory changes. The tool minimizes the need for manually creating many test messages, which would otherwise require extensive time and effort, and allows for the simulation of exchanges with other banks.
Instant Test Creator Tool
The Instant Test Creator is an extension of the SEPA CT Test Creator, introducing additional functionalities for generating messages intended for testing SEPA CT Instant solutions. This module allows financial institutions to easily create and test SEPA Instant Payments, ensuring a fast and reliable implementation of this payment standard.
ISO SWIFT
Test Creator Tool
The ISO SWIFT Test Creator is a separate application modeled after the SEPA Test Creators. It is designed to generate test messages required by banks for the transition of SWIFT messages to the ISO 20022 format. Since ISO 20022 will become mandatory as of November 2025, this application helps financial institutions adapt to the new standards more quickly and efficiently, reducing the risk of non-compliance and ensuring a smooth transition.
Technology and Key Features
Optimized Testing:
The TIS Payments Test Creator simplifies the creation of test files for SEPA/SWIFT transactions, significantly reducing the time and resources needed for QA testing.
Scalability:
The tool can generate large volumes of test files in seconds, enabling financial institutions to meet regulatory requirements more efficiently.
Flexibility:
Supports SEPA Rulebook updates and can be adapted to new regulatory requirements.
Quick Implementation and Ease of Use
Impact:
Efficiency and Cost Savings
Before introducing the TIS Payments Test Creator, manually creating many test files was highly time-consuming and costly for banks. With our payment system test file generation tools, functional and performance testers can generate test files of the desired content almost instantly, saving time and money.
This tool has proven invaluable for thoroughly testing regulatory changes related to SEPA/ISO SWIFT compliance without overburdening QA teams.
“Over the years, this tool has become an essential support for domestic banks in facilitating payment system testing during major regulatory changes in payment transactions, such as the introduction of the euro or European payment instruments, as well as regular annual updates to payment instrument standards,” explains Vjekoslav Martinčić, Deputy Director of TIS GRUPA.
The SEPA CT/DD Test Creator is already in use in the largest banks in Croatia, and its further adoption in the region is expected in line with SEPA area expansion.
Conclusion:
An Essential Solution for Bank Payment Systems
The TIS Payments Test Creator tools are an excellent example of how TIS GRUPA continues to innovate and provide tailored IT solutions for the financial sector. Given the pace of regulatory changes, this tool has become indispensable for financial institutions looking to streamline their testing processes and ensure compliance with payment system regulations without overburdening their teams.
The TIS Payments Test Creator tools generate files that would otherwise have to be obtained from external participants, eliminating the need to rely on external factors. They allow users to independently test their systems without involving external participants and conduct internal IT tests without business-side involvement. At the same time, they enable direct business-side participation in scenario creation and execution, enhancing testing flexibility and efficiency.
These tools support the development of various business events and test cases, ensuring consistency and time savings through the integration and automation of testing processes. With ongoing support for all SEPA Rulebook updates, they are adaptable and ready for upgrades to support additional and future banking messages.
As banks continue to face challenges within the SEPA space, the SEPA CT/DD Test Creator, the Instant Test Creator, and the ISO SWIFT Test Creator remain reliable and efficient solutions that save time, reduce costs, and improve the accuracy of testing processes.
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