ISTQB CT-FT: Certified Tester Finance Testing (CT-FT)

Last checked November 10, 2026 against the official ISTQB exam page.

1. Question 1Introduction to the Financial Services Industry

   A tester who is new to a retail banking project must design tests for a monthly account fee rule. She knows test design techniques well but has never worked with fee rules. What is the most effective first step?

   1. AWrite test cases from the technical specification alone and refine them after the first test run
   2. BAsk developers to automate the fee calculations so that testing can start before the rules are clear
   3. CMeet business analysts and product owners to learn the fee rules and their known exceptions
   4. DReuse the test cases from an earlier banking project without checking them against the current rules
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   Correct answer: C

   Domain knowledge lets testers understand the business rules and exceptions that a meaningful test must cover. Writing from the specification alone can miss business exceptions, automating before the rules are understood wastes effort, and reusing old cases without checking them against current rules gives false confidence.

2. Question 2Compliance Testing

   A bank must show auditors that every change to its loan approval rules was tested against the regulation the rule supports. Which practice best provides this evidence?

   1. AA traceability matrix linking each regulation to rules, test cases and results
   2. BStoring the final approved code in a shared folder without any linked test records
   3. CRunning the full regression suite once a year just before the external audit takes place
   4. DRelying on developers' verbal confirmation that the rules were checked against the law
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   Correct answer: A

   A traceability matrix links each regulatory requirement to the rule, the test cases and the results, which is the evidence auditors look for. Keeping code without linked test records, an annual regression run, or verbal assurance does not show that each rule was tested against its requirement.

3. Question 3Risk-Based Testing

   In risk-based testing, how is the level of a product risk usually determined?

   1. ABy the seniority of the developer who built the feature and reviewed the code
   2. BBy the number of automated and manual test cases written for the feature
   3. CBy likelihood of failure combined with the impact that the failure would have
   4. DBy the total number of lines of code in the module that contains the feature
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   Correct answer: C

   Product risk level is usually based on the likelihood that a failure occurs and the impact if it does. The number of test cases, the developer's seniority and the code size may influence effort but do not define the risk level itself.

4. Question 4Data Testing and Data Management

   A daily reconciliation shows that the total of ledger postings differs from the total of settled payments by a small amount. What should the tester do first?

   1. ARemove the day's transactions from the report so that no discrepancy appears in the output
   2. BAdjust the ledger total by hand so that the two totals agree before the report is issued
   3. CFind the individual records behind the difference and trace them across both systems
   4. DAccept the difference as normal rounding and close the reconciliation without investigation
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   Correct answer: C

   Tracing the individual records behind a reconciliation difference is how the cause, such as a missing posting or a timing gap, is found. Hiding transactions, editing totals by hand or accepting the gap without investigation would conceal a real data defect.

5. Question 5Functional and Non-Functional Testing

   A tester verifies a monthly interest calculation for a savings product. The rule uses balance tiers and rounds the final amount. Which test design approach gives the most value for this rule?

   1. AEquivalence partitioning and boundary values around the balance tiers and the rounding points
   2. BLoad testing of the login page to measure its response times under a peak demand profile
   3. CRandom exploratory clicking through the user interface with no expected results recorded
   4. DExploratory testing of the logout function, because every customer uses it at least once
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   Correct answer: A

   Equivalence partitioning and boundary values target the balance tiers and rounding points, where interest rules most often fail. Random clicking without expected results, logout checks and login load tests do not exercise the calculation logic.