Performance Testing for Banking Applications

Identify and eliminate bottlenecks in your core, digital, and payments stack before go-live. Proactively validate performance, availability, scalability, and resiliency so customer journeys hold under US peak loads (payroll runs, quarter-end, tax day) and regulatory expectations (FFIEC/OCC/FDIC, PCI DSS v4.0, Nacha) are met.

Challenges in Application Development: Navigating Performance, Availability, and Scalability

You have a vision to launch faster and scale confidently across mobile, internet banking, core, and payment rails. Challenges you face are:

Missed go-lives / time-to-market due to late discovery of P-A-S issues in SIT/UAT, like login storms, chatty services, mis-sized infra, and brittle integrations (core, digital, payments) that force re-work.
Cost escalations from fixing performance issues late in the SDLC. Industry data shows it’s 10×–100× more expensive to remediate at the end than at the source, especially for cross-system workloads.
Customer dissatisfaction & regulatory exposure when channels brown out at peak (ACH cutoffs, statement runs) or PCI DSS/FFIEC expectations aren’t evidenced with real performance artifacts.
Sub-optimal engineering that overlooks resiliency/DR, capacity planning, ISO 20022/RTP/FedNow nuances, and data path latencies (card auth, ACH returns), hurting CX and staff productivity.

Our Approach to Performance Testing for Banks

At Avekshaa Technologies, we do things a bit differently. With our P-A-S-S™ Assurance Platform and a shift-left strategy, we validate performance & resiliency ahead of launch. While most teams discover these issues after completing almost 80% of development, we’re on top of them when just 10% is done.

This early detection means:

Confidence From The Start

Journey-based workload models across US flows: mobile login spikes, funds transfer, bill pay, ACH (Nacha) cutoffs & return codes, RTP (The Clearing House), FedNow, ISO 20022 messages, card auth/clearing. Define SLIs/SLOs, concurrency, and latency budgets aligned to business SLAs and exam needs.

Adaptable Solutions

Tool-agnostic load/stress/soak/failover/chaos testing using JMeter/k6, contract & synthetic users, env parity, and CI/CD performance gates. Hook into your APM/observability (Datadog, Dynatrace, New Relic, AppDynamics) for RCA and trend baselines.

Flexibility Across Processes

Coverage for core banking, middleware, microservices, Kubernetes, Kafka/event streams, and cloud (AWS/Azure/GCP), plus third-party dependencies (KYC/IDV, card networks, fintech partners). Include batch & reconciliation performance and DR/cutover rehearsals.

Complexity Simplified

Capacity plans and cost/perf trade-offs, resiliency drills (zonal/region failover, active-active), evidence packs mapped to PCI DSS v4.0 and FFIEC/BCM guidance. No “trust us” decks, only auditor-friendly metrics tied to SLOs.

Why Partner with Avekshaa for Performance Testing?

01

We catch P-A-S risks early, preventing deadline slips and hotfix cycles.

02

We cut re-work costs by addressing root causes where they start (not at go-live).

03

We prove peak readiness (login storms, ACH windows, quarter-end) with data, not vibes.

04

We deliver audit-ready artifacts aligned to PCI DSS v4.0, FFIEC/OCC/FDIC, GLBA, Nacha/ACH, RTP, and FedNow.

05

We tailor runs for new digital builds, core upgrades/migrations, third-party integrations, and partner SLAs—without slowing velocity.

We make our customers business-ready for the Digital age.

Avekshaa Technologies is a leading Application Performance Engineering, Management & Quality Assurance organization. We empower businesses across verticals to focus on growth while assuring unparalleled IT performance and reliability.

+

Complex Technical Problems Prevented & Solved

5000 +

Complex Technical Problems Prevented &
Solved.

10 +

Most Complex Performance Engineering Programs Delivered.

90 % +

Customer Advocacy.

150 % +

Average Performance Improvement Across Projects.

50 +

Unique Case Studies.

14 +

Leading Industry Recognitions.

60 +

Leading Enterprise Customers Across Verticals.

30 +

Amongst the World's Most Complex Performance Engineering Projects Delivered.

12 +

Years of Customer Trust.

2

Patents Awarded by the US Patents Office.

2x to 10x

Return on Investment Delivered.

600,000 +

Hours of Work Delivered.

Our Awards & Accolades

Our clients simply love our work

Reliance Industries’ technology leaders talk about the importance of proactive performance engineering and the role Avekshaa played in successful performance engineering of one of the largest Digital transformation programs in the world involving 100 million+ users with 10-20 million concurrency.

Mr. Anish Shah, President, IT, Reliance Jio and Mr. Kiran Thomas, President, Reliance Industries

We are delighted with the results delivered by the Avekshaa team. Avekshaa Technologies consistently bring a deep understanding of improving efficiency and Reliability of critical applications. They are a top-class in IT system performance optimization

Mr. RVS Sridhar, Former President IT & Retail Banking Operations, Axis Bank

Avekshaa Technologies has closely and proactively worked with our team and other partners in our complex big bang core banking migration exercise and helped us in our objective to go-live with zero-defect and zero-downtime in short window of less than 48 hours. Avekshaa experts were engaged in the early stages of our migration program, and provided us with consistent and extensive support throughout this program in load testing the system for desired performance and scalability. Working with Performance experts from Avekshaa helped us identify areas for improvement to achieve a significantly higher degree of performance, mitigate technology failure related business risks and achieve this complex goal.

Mr. Rajiv Sabharwal, Former ED & Board member, ICICI Bank

Avekshaa brings in best in class expertise, domain experience, rich case studies and above all highly professional processes and methodologies which deliver truly world class results. Their solutions in the Performance engineering and optimization space – like improving performance, availability and scalability of business-critical IT systems are proactive and holistic with a clear long term in the perspective.

Avekshaa constantly strives to go the extra mile to exceed the expectations hence positioning them amongst the leaders. We are extremely happy with our association with them and look forward for an ongoing partnership with Avekshaa to deliver best in class solutions to our clients. Wish Avekshaa the very best always.

Mr. Rajeswar, Member of Board-Advisory Genisys Group, Evangelist Technology, Strategy and Business Excellence

Finacle core banking implementation was one of the most significant steps in the Bank’s transformation journey. With able support from Avekshaa, the transformation journey was seamless. Further, the Bank’s ambition for significant growth, in terms of client base, physical branch network, distribution channels as also the range and sophistication of its product suite, is seen to widen further.

Mr. Paul Abraham, Former Chief Operating Officer & Board member, IndusInd Bank

We are delighted with the work done by Avekshaa consultants. Application response time has improved which will significantly help in improving end user experience and will encourage our clients to increasingly use on-line channels.

Sanjay Jaiswal, Former VP-IT. IndusInd Bank

Avekshaa focuses on solving complex issues in performance, availability and scalability that impact business-critical IT systems. Their solutions prevent business disruptions due to technology failures. They want you to sleep well in the night.

Mr.Subrat Mohanty, Former Senior Executive Vice President & Head-Strategy Ops, BS&T & Health, HDFC Life

We are extremely happy with our engagement with Avekshaa. They delivered exactly what they had committed in terms of Core Application performance improvements. Avekshaa consultants are very professional and knowledgeable; they worked seamlessly with multiple teams to achieve the results.

Mr. Vaibhav Palan, Former Associate Vice President – IT, Cox and Kings Limited

Technologies We Have Worked On

Frequently Asked Questions

What exactly do you performance-test in a bank?

End-to-end customer journeys (mobile/web), API/microservices, core and middleware hops, payments rails (ACH/RTP/FedNow), batch & reconciliation paths, DR/failover, and infra layers (Kubernetes, messaging, caches, DB).

How do you model “real” banking traffic?

We build journey-centric workload models: concurrency waves (login surges), think times, message sizes, ACH cutoffs/returns, ISO 20022 variants, network conditions, and 3rd-party latencies, and then validate against SLIs/SLOs.

Can you align results with PCI DSS and FFIEC expectations?

Yes—our outputs include auditor-friendly evidence (plans, runbooks, results, SLO compliance, DR outcomes) mapped to PCI DSS v4.0 controls and FFIEC/BCM expectations, plus OCC/FDIC exam narratives.

We’re moving to RTP/FedNow. Anything special to test?

Absolutely: idempotency, duplicate message handling, timeouts, settlement windows, cutover/rollback scenarios, and high-frequency microbursts. We validate both steady-state and burst behavior.

What tools do you use and can you work with ours?

We’re tool-agnostic: JMeter/k6 for load; Playwright/Cypress for UI flows; contract tests for microservices; APMs like Dynatrace/Datadog/New Relic/AppDynamics for tracing & RCA; and your CI/CD for perf gates.

How soon do we see value?

In 2–4 sprints most banks gain stable SIT/UAT cycles, reliable peak forecasts, cleaner DR rehearsals, and fewer P1 incidents at launch.

Why Avekshaa?