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Active testing for Mobile Money end-to-end interoperability

Mobile Money (MoMo), also known as e-Money, continues to evolve at a rampant pace. Mobileum’s Mobile Money Active Testing ensures mobile payment solutions offer a high degree of reliability between all systems involved in enabling these transactions, leading ultimately to consumer trust in the financial system. It provides an end-to-end view of service quality and availability, warranting the best end-user experience and governance compliance.

Our solution tests and monitors MoMo services across apps, SIM Toolkit, and USSD. As part of our expertise and capabilities, our mobile money testing scenarios work around three pillars:
  • Availability & performance
  • Mobile Money app reliability
  • Business partner interaction
Mobileum Mobile Money Testing

Ensure availability and performance for your MoMo app

Operators and service providers must proactively monitor 24/7 the availability and performance of MoMo solutions, as they are essential for financial services and a key requirement to comply with regulations even before their release.

Mobileum provides a robust and flexible platform to create Mobile Money tests related to service availability and the customer journey during the usage of the application. Whether your customer base uses USSD or a Mobile Money app, our test methodology and library of testing scenarios have been meticulously designed to bring the insights focused on understanding the engagement with subscribers and the businesses’ performance, while offering a frictionless end-to-end experience.

The key points of improving the QoS/QoE are the following:
  • Network availability
  • Network accessibility
  • Service accessibility
  • Service integrity
  • Service retainability
  • Service delivery on time
mobile money availability and performance testing

QoS and QoE tests with digital financial services standard

Testing Digital Financial Services (DFS), like field quality assessment in general, not only require well-defined KPIs but also careful design of testing procedures. In particular, data quality assurance is essential to ensure the validity of results and optimum use of resources.

Mobileum’s Mobile Money active testing methodology covers the entire range of manual and automated tests to provide best-practice information for implementers of testing campaigns. Our solution is compliant with the Telecommunication Standardization Sector’s (ITU-T) recommended KPIs for Mobile Money active testing. These KPIs follow international standards for MoMo platforms and increase financial inclusion development worldwide.

Our use cases cover the following scenarios:
  • Accurate money transfer through SIM application toolkit, app, USSD and SMS
  • Guarantee that money is neither lost nor duplicated
  • Guarantee the correct transaction fee
  • Transaction details are viewed by the correct user
Mobileum Mobile Money QoSE - Digital Financial Services

Guarantee business partner interaction and interoperability

The seamless integration of third parties with mobile money platforms is a key catalyst to achieving wider access to critical products by the underserved. In broad terms, interoperability is the interconnection of mobile money services with external parties, with the aim to create value for both customers and commercial players.

With Mobileum’s MoMo active testing solution, you can assess your business opportunity by testing the services that fall within and adjacent to the mobile money category. This assessment is key as the amount of services rapidly expands. While pure mobile money networks connect with other, money transfer networks and boundaries blur between payments. Specifically, for business’ partner interaction, Mobileum provides a library of testing scenarios that cover the following areas:
  • Successful transactions between platforms and networks
  • Seamless third-party integration and interaction
mobile money - business partner interaction

Check iOS and Android device performance on Mobile Money

The performance of a device’s operating system is the essential first step in both development and testing. As a rule, the QA testing team should use real devices for testing purposes to truly assess the user journey.

Mobileum’s Mobile Money active testing offers the ultimate proof of a successful operating MoMo ecosystem by verifying the required quality of experience (QoE) delivered to users. Our testing scenarios for iOS and Android devices are meant to ensure faultless experiences for customers by testing in the real world, on real devices, enabling you to deliver flawless digital services every time, on any device, under all conditions.
  • Accurate money transfer through SIM application toolkit, app, USSD, and SMS
  • Money is neither lost nor duplicated
  • Correct transaction fee
  • Transaction details are viewed by the correct user
Mobileum Mobile Money Check iOS and Android device performance

See how Mobileum can help protect & grow your business

Over 900 Telecom companies, in more than 150 countries, are scaling their business with Mobileum solutions.
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Develop rapid Mobile Money testing scenarios with visual design tools

Mobileum’s Mobile Money active testing solution is based on an interactive scripting studio, the Smartphone Experience, that allows you to easily create scripts with drag-and-drop feature and interact with a device to test the real user experience.

Our interactive scripting studio is connected with the Blue LU, the next generation smartphone-based testing platform, allowing you to test on both iOS and Android devices. This flexible solution makes it easy to script the mobile money user journey on both A side and B side.
Mobileum Mobile Money testing scenarios

Interactive scripting studio for Mobile Money testing

Save time and effort with Mobileum's Mobile Money solution. Our platform does not require any specific programming skill. With this user-friendly GUI, you can easily test and monitor your Mobile Money user journey:
  • Test anytime with one or more devices
  • Point-and-click recorder to create your unique customer flows
  • Validate success of each step via object, text, and image
  • Extract information from the app like images or text
  • Place timers to measure any step and record KPIs
  • Extract PCAPs for performing IP level analysis
Mobileum Mobile Money Interactive scripting studio

6 key functionalities to ensure reliable service for Mobile Money with Mobileum

Robust Telco Solution
Robust Telco Grade Solution
The solutions leverage robust HW designed for 24/7 monitoring, which supports Android and iOS smartphones, including SIM Multiplexing
User friendly scripting
MoMo Performance with ITU-T KPIs
Mobileum's active testing solution is compliant with Mobile Money ITU-T KPIs
Different 5G Test Methods
Tests
across
SIM application toolkit, app, USSD and SMS
Pro active monitoring
Pro-Active Smartphone-Based Testing
Continuous monitoring using smartphones for detecting and troubleshooting any issue with MoMo Services
optimze 5G rollout
Interactive Test Case Scripting Studio
User-friendly platform with pre-defined test and dashboards
icon trusted partne
Real-time Alarms, Reports & insights
Understanding the quality of Mobile Money services with detailed reports and pro-active alarming

Protect your revenues and services against faults and criminal attacks

Mobile Money risk management
Concerns have arisen that mobile money services can be used for money laundering and terrorist financing. RAID for Mobile Money has been designed to assure a high level of Anti-Money Laundering (AML) and Know Your Customer (KYC) monitoring capabilities to reduce the inherent risks of AML.
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MoMo Agent Fraud & Assurance
The majority of mobile money fraud incidents happen at agents where cash and e-money intersect. Monitor the agent’s network to avoid fraudulent activities.
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Internal
Fraud
One of the biggest challenges of detecting, investigating, and preventing employee fraud is the fact that there are so many types of fraud and theft that require different methods for discovery.
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Continuous monitoring of the Mobile Money ecosystem for end-to-end risk management

The mobile money ecosystem continues to evolve in various markets, driven by competition and consumer demand. Increasing sophistication along with multiple digital financial services such as savings and credits, registrations, utility payments, cross-border payments, and international money transfers requires continuous monitoring for ensuring comprehensive revenue assurance and fraud management coverage. In their quest for business sustainability and compliance, CSPs need to implement appropriate integrated testing and continuous monitoring controls that can strike an appropriate balance between risk management, profitability, and optimal customer experience.
  • Ongoing product risk assessment to identify and mitigate risks in new products
  • Transaction monitoring and validation to detect suspicious transaction pattern
  • System access controls that extend to mobile application testing
Mobileum Mobile Money Risk Management

MoMo Testing and Mobileum Assurance Solution

Mobile Money Testing is a use case covered by our SITE Active Testing Platform, which supports 2G, 3G, LTE, IoT, and 5G and generates real-time traffic into domestic networks using probes strategically placed for geographical coverage and fault localization, flagging problems before impact, and emulating the real subscriber behavior.

SITE is part of Mobileum Assurance Solution (MAS), a self-learning platform that supports DevOps and CI/CD/CT, optimizing root cause analysis and enabling operators to perform network upgrades and fully test new releases, automated as needed, in the lab, in the production network before deployment, and then to re-test them in the network to ensure quality and performance, avoiding glitches before any customer impact.