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The best black box test design technique for verifying the accuracy of this user story is equivalence partitioning. Equivalence partitioning is a technique that divides the input domain of a system into classes or groups that are expected to behave similarly. By testing one value from each class, the tester can reduce the number of test cases while still achieving good coverage. In this case, the input domainof the system is the amount of income, which can be divided into classes based on the tax percentage applied to different income ranges. For example, if the tax percentage is 10% for income below 10,000, 20% for income between 10,000 and 20,000, and 30% for income above 20,000, then the equivalence classes are: low income (<10,000), medium income (10,000-20,000), and high income (>20,000). By testing one value from each class, such as 5,000, 15,000, and 25,000, the tester can verify that the system calculates the correct tax percentage for each income range. This technique is more efficient and effective than testing all possible values of income, or testing only one value of income, or testing the states of income entry, or testing the statements in income calculation. References: ISTQB Foundation Level Agile Tester Syllabus1, Section 2.3.1, page 19; ISTQB Foundation Level Agile Tester Extension Sample Exam Questions2, Question 5, page 6.

Cross-functional teamwork is an important organizational and behavioral best practice for a tester in the SCRUM team that should have also been practiced when using the sequential model. Cross-functional teamwork means that all team members, regardless of their functional roles, collaborate and share their skills and knowledge to achieve a common goal. In the context of testing, this means that testing is not seen as a separate activity or phase, but as an integral part of the development process. All team members contribute to testing in various ways, such as:

• Involving people with the test strategy, test planning and execution as well as test reporting. This can help ensure that the testing activities are aligned with the business objectives, the user needs, and the technical requirements. It can also help improve the test coverage, the test quality, and the test efficiency.
• Sharing the responsibility for testing among the team members. This can help reduce the workload and the dependency on a single tester or a testing team. It can also help increase the feedback and the communication among the team members, and foster a culture of quality and learning.
• Leveraging the diverse skills and perspectives of the team members. This can help enhance the test design and the test execution by applying different techniques, tools, and approaches. It can also help identify and address the risks, the issues, and the opportunities for improvement from various angles. References: ISTQB® Foundation Level Agile Tester Syllabus1, Section 1.2.1, page 9; ISTQB® Glossary of Testing Terms2, version 4.0, page 16.

As an agile tester, you should work together with the developer, suggesting reasons why the tests are failing. This is an example of the agile principle of collaboration and communication within the team, as well as the agile testing practice of early and frequent feedback. By working together with the developer, you can help to identify and resolve the root causes of the test failures, as well as share your testing knowledge and perspective. This can lead to faster and better quality delivery of the user story, as well as improved team relationships and trust.

Option A is not a good action, because reviewing and improving the design of the user story is not the tester’s responsibility, and it may not address the test failures. Option B is also not a good action, because creating bug reports for blocked tests is not an agile way of handling issues, and it may create unnecessary overhead and waste. Option D is not a good action, because it does not help to unblock the current user story, and it may distract you from the sprint goal and the team’s focus.

References: ISTQB Foundation Level Agile Tester Syllabus, Section 2.3.1, page 171; ISTQB Foundation Level Agile Tester Sample Exam Questions, Question 2.3.1-2, page 82

Acceptance test criteria are the conditions that a user story must satisfy to be accepted by the customer or the stakeholder. They are usually derived from the user story and its acceptance scenarios, and they should cover the functional and non-functional requirements of the user story. Acceptance test criteria should be clear, concise, testable, and agreed upon by the team and the customer or the stakeholder.

In this case, the user story describes the business rule for approving a loan request based on the customer’s income, repayment history, and loan amount. The user story also specifies the roles of the customer assistant and the bank manager in the process. Therefore, the acceptance test criteria should verify that the user story is implemented correctly and that the system behaves as expected for different scenarios and inputs.

The following test cases can be treated as acceptance test criteria for the above user story:

• As a customer assistant I can log in to the system and check the history of the customer account for the last year. This test case verifies that the customer assistant can access the system and view the customer’s income information, which is one of the factors for approving the loan request.
• As a customer assistant I can log in to the system and check the history of the customer debts and repayments. This test case verifies that the customer assistant can access the system and view the customer’s repayment history, which is another factor for approving the loan request.
• As a bank manager I can log in to the system and receive the information of all requests waiting for approval. This test case verifies that the bank manager can access the system and see the list of loan requests that have been prepared by the customer assistant, and that the system provides the necessary information for each request.
• As a bank manager I can log in to the system and decide whether to approve a loan for a customer. This test case verifies that the bank manager can access the system and perform the approval action for a loan request, and that the system applies the business rule correctly and updates the status of the request accordingly.

The following test cases cannot be treated as acceptance test criteria for the above user story:

• As a customer assistant I can log in to the system and change my password. This test case is not related to the user story, as it does not verify any of the functional or non-functional requirements of the user story. It is a generic test case that applies to any user of the system, not specific to the customer assistant role or the loan approval process.
• As a bank manager I can log in to the system within 10 seconds. This test case is not related to the user story, as it does not verify any of the functional or non-functional requirements of the user story. It is a performance test case that applies to any user of the system, not specific to the bank manager role or the loan approval process.

References: ISTQB® Foundation Level Agile Tester Syllabus1, Section 2.3.1, pages 15-16; ISTQB® Glossary of Testing Terms2, version 4.0, pages 2 and 3.