Development and testing with a external application

I know it is always recommended that we develop and test our robots in non production environments thoroughly before deploying it to production.

But what if the robot has to interact with an external system that does not lend itself to be tested? And it is a critical application such as banking, for example?

For any application to be tested there will be test data or sample data or sample database available.
Even in case of banking applications, the test database will be setup for testing.

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But the bot needs to enter transactions only into a production application. No testing environment is available. That’s the challenge that I’m talking about.