A payment that eventually settles can still leave a customer stranded for hours. Quality assurance audits look for those gaps: silent retries, alerts that close themselves, and handoffs that assume someone else is watching.
Start with a single flow — deposits or withdrawals — and ask who owns each failure state. If ownership is shared, it is usually owned by nobody when volume spikes.
Evidence matters more than opinion. Sample a week of exception tickets and compare them to system logs. Mismatches are your first findings, not your last.
Teams in Hong Kong that ship under settlement pressure benefit from a short ranked list, not a two-hundred-row test catalogue nobody will reopen.