CASE STUDY #3

Delivering managed testing services for a UK neobank. 

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Our team have maintained a long engagement with this UK neobank, delivering testing services to support their journey from becoming a fully licensed bank to developing their product offerings to customers.

Client Context

This start-up neobank was looking to revolutionise the UK mortgage market by using covered bonds instead of savings deposits, enabling them to offer long-term, fixed-rate mortgages. The Zanoo team commenced the engagement in July 2021 to support their journey through Series A & B funding and played a critical role in helping them become a fully licensed bank. 

Our Approach

Since initially mobilising to the client account, our team have provided end-to-end managed testing services, including both manual and automation testing. Our services covered over 15 platforms, including Loan Originations, Servicing, Direct Debits, Payments, Data Services, Regulatory Reporting, and Accounting systems. We initially performed User Acceptance Testing (UAT) to test functionality and integration across individual systems, identifying defects early. End-to-end testing focused on reconciling data across the bank’s infrastructure to ensure all systems worked seamlessly together. We managed complex test data requirements, particularly for integrations like CRA and KYC, while ensuring testing of key functionalities like arrears reporting, Direct Debits, and loan lifecycle events.

Acting as the bank’s independent testing partner, we implemented a structured testing approach combining UAT and end-to-end testing to ensure the bank’s systems were ready for go-live.

Our Solution

  • UAT & Defect Management: We identified and managed over 1000 defects across multiple vendors, focusing on core areas like Direct Debits and payments. Our proactive approach ensured key issues were resolved before progressing to end-to-end testing.


  • End-to-End Testing: We validated the integration of over 15 platforms, ensuring accurate data flow between Loan Originations, Servicing, Accounting, Treasury, and Regulatory Reporting systems. This involved simulating months of loan lifecycle events, such as billing cycles and arrears.


  • Test Data Strategy: We navigated challenges with test data from different CRA and KYC providers by coordinating scenarios to ensure all critical functionalities were tested without compromise.


  • Precise Run-Planning: To manage complex areas like arrears reporting and Direct Debits, we developed a detailed run-plan that allowed for efficient EOD simulations, ensuring timely testing of all key processes.



  • Automation Capability: Automation framework was built on the Cypress framework to test the rate changes for D2C applications and manage the heavy lifting of this testing scope.

The Outcome

The bank successfully launched in 2023, having implemented a robust mortgage originations platform that the Zanoo team were instrumental in ensuring the quality of. Our team continues to test new features and products as they are introduced, ensuring smooth integration with each release and ensured customer trust and experience. In particular, the Zanoo team has:

  • Supported the bank to secure their banking licence with no restrictions.


  • Enabled seamless integration across 15+ platforms, including critical payments and servicing.


  • Managed complex defect processes to ensure high-quality delivery.


  • Created an efficient testing strategy for multi-month scenarios and end-of-day runs.


  • Facilitated successful go-live of the infrastructure, proving its readiness.



  • Introduced an automation capability to reduce the manual effort for D2C regression testing and rate changes features to just one hour.

Contact us today to learn how we can tailor our testing solutions to support your digital transformation.