The document discusses the challenges of testing applications built using a service-oriented architecture (SOA). It outlines an example SOA implementation for an online loan system. The main challenges of SOA testing include changes to test scope, team composition and skills required. It proposes a test strategy that takes a top-down design approach and bottom-up execution approach starting at the individual service level. A variety of testing types and tools are also discussed to address challenges in functional, performance, security, integration and interoperability testing for SOA applications.