How to Create & Maintain a VPAT for Mobile Banking App Accessibility: A Step-by-Step Guide

VPAT for Mobile Banking App Accessibility

VPAT for Mobile Banking App Accessibility – Below is a comprehensive Steps covering all major areas of accessibility compliance based on WCAG 2.1, Section 508, EN 301 549, and ISO/IEC 40500, adapted specifically for a mobile banking environment.

VPAT for Mobile Banking App Accessibility -  Mobile Banking App Accessibility: A Step-by-Step Guide

Step 1: Understand Accessibility Standards

Before drafting the Accessibility Audit and Testing / VPAT, identify which standards apply:

  • VPAT 2.5 Rev EU
  •  VPAT 2.5 INT
  •  VPAT 2.5 508
  •  VPAT 2.5 WCAG

Tip: The VPAT 2.5 INT version is designed to cover all three

Step 2: Assemble an Accessibility Team

  • Developers (to fix issues)
  • UX/UI Designers (for accessible design & Usability)
  • QA Testers (manual & automated testing)
  • Users with disabilities (for real-world testing)

Step 3: Perform Accessibility Audit

  • Automated Testing
  • Manual Testing
  • User Testing with Persons with Disabilities

Mobile-Specific Considerations

  • Screen Reader Testing(Android/iOS)
  • Touch Target Size
  • Orientation & Zoom
  • Dark Mode Compatibility
  • Biometric Authentication Accessibility (Alternative methods for users who can’t use FaceID/fingerprint)
  • CAPTCHA alternatives (e.g., accessible audio CAPTCHAs)
  • Voice Control Compatibility (e.g., Siri, Google Assistant)
  • Accessible two-factor authentication

Step 4: Complete the VPAT/ACR Document (After Remedation )

Understand the “Conformance Level” options for each criterion:

  • Supports: The functionality of the product has at least one method that meets the criterion without known defects or meets with equivalent facilitation.  
  • Partially Supports: Some functionality of the product does not meet the criterion.
  • Does Not Support: The majority of product functionality does not meet the criterion.  
  • Not Applicable: The criterion does not apply to the product.  
  • Not Evaluated: Only applicable for WCAG Level AAA criteria.

Here’s a detailed step-by-step guide on how to map your mobile banking app’s accessibility evaluation to each part of the VPAT 2.5 INT:

  • Map Your Accessibility Audit Results to WCAG Criteria (Table 1)
  • Map Your Accessibility Audit Results to Section 508 Criteria (Table 2)
  • Map Your Accessibility Audit Results to EN 301 549 Criteria (Table 3)

Step 5: Review and Validate the VPAT/ACR

  • Internal Review: Have your accessibility team and relevant stakeholders review the completed VPAT for accuracy, completeness, and clarity. Ensure the conformance levels and remarks align with the audit findings.
  • Third-Party Validation (Optional but Highly Recommended): Engage a reputable third-party accessibility consultant to review and validate the VPAT for an unbiased assessment of its accuracy.

Step 6: Publish & Distribute

  • Add version history and testing date
  • Save in accessible PDF or DOC format
  • Host the VPAT on:
    • Your banking app’s website (accessibility page)
    • App stores (under accessibility info)
  • Share with regulators, partners, and customers upon request.

Step 7: Maintain & Update the VPAT

  • Major app updates
  • Re-test critical accessibility areas with each new feature
  • New OS releases (iOS/Android changes)
  • Legal requirement updates
  • Version Control (Keep old VPATs archived)
  • Clear Remediation Plans (For non-compliant items)

Additional Considerations Specific to Mobile Banking Apps:

  • Biometric Authentication: Ensure that if biometric authentication (fingerprint, face ID) is used, there’s an accessible alternative for users who cannot use biometrics. Provide clear instructions for setup and use with assistive technologies.
  • Security Features: Ensure accessibility of security features like transaction confirmations, multi-factor authentication, and alerts.
  • Financial Information Display: Ensure that financial data (account balances, transaction history) is presented in an accessible format, including being compatible with screen readers and allowing for text resizing.
  • Customer Support Access: If customer support is integrated into the app (e.g., chat, phone), ensure these channels are also accessible to users with disabilities.
  • Third-Party Integrations: If the app integrates with other services, evaluate the accessibility of those integrations as well.
  • User Testing with People with Disabilities: Conduct user testing with individuals with various disabilities to identify and address accessibility barriers.

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