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FINTECH INDUSTRY

Security for Fintech

Fintechcompaniesoperateattheintersectionoffinanceandtechnology,whererapiddeploymentcyclesandcomplexAPIecosystemscreateuniqueattacksurfaces.Wehelpfintechssecurepaymentflows,protectdigitalwallets,andmeetthegrowingpatchworkoffinancialregulations—fromPCIDSStoMiCA—withoutslowingdownproductvelocity.

Industry snapshot

A distinctive risk profile

Every industry has its own risk fingerprint. These are the defining characteristics that shape our approach here.

API
First architecture
REST · GraphQL · webhooks
DORA
EU resilience act
Mandatory TLPT cycle
CI/CD
High deploy velocity
Ship multiple times per day
High
Fraud pressure
Attacker ROI is immediate
Compliance

Regulatory Frameworks

Every engagement is mapped to the frameworks that matter most in this industry — so each finding directly supports your compliance posture.

PCI DSS v4.0 (Req. 6.2, 11.3, 11.4)
continuous vulnerability management and annual penetration testing for all systems handling payment card data, including tokenization and payment gateway infrastructure
MiCA (Markets in Crypto-Assets Regulation, EU 2023/1114)
mandates operational resilience and cybersecurity requirements for crypto-asset service providers, including ICT risk management and incident reporting under Articles 64–68
AML/KYC Directives (AMLD6, EU 2024/1640)
anti-money laundering requirements demand secure customer verification systems resistant to identity fraud and credential manipulation
DORA (EU 2022/2554, Art. 24–27)
Digital Operational Resilience Act requires annual resilience testing and Threat-Led Penetration Testing (TLPT) every 3 years for significant fintech entities operating in the EU
SOC 2 Type II
trust service criteria for Security, Availability, and Confidentiality, widely expected by enterprise clients and banking partners during vendor due diligence
PSD2 (EU 2015/2366)
Strong Customer Authentication (SCA) requirements mandate multi-factor authentication and secure communication channels for electronic payment services
Methodology

Testing methodology

A tested, repeatable approach covering every layer of the modern environment relevant to this industry.

01 · PHASE

API security testing

comprehensive assessment of REST/GraphQL payment APIs for broken authentication, excessive data exposure (OWASP API Top 10), and business logic flaws in transaction flows

02 · PHASE

Payment gateway and processor integration testing

end-to-end validation of tokenization, 3D Secure flows, webhook integrity, and settlement reconciliation security

03 · PHASE

Crypto wallet and smart contract security assessment

key management review, transaction signing validation, and analysis of smart contract vulnerabilities including reentrancy and oracle manipulation

04 · PHASE

Credential stuffing and account takeover simulation

automated attack emulation against login, password reset, and MFA enrollment endpoints using leaked credential datasets

05 · PHASE

Transaction fraud testing

manipulation of amounts, currencies, recipient fields, and race conditions in concurrent payment processing to identify logic bypass vulnerabilities

06 · PHASE

Mobile fintech application testing

runtime manipulation, certificate pinning bypass, local storage analysis, and jailbreak/root detection validation per OWASP MASTG

Services

Key services

Targeted services for the most common security needs in this industry.

Threat landscape

Threats facing this sector today

Every security engagement is scoped based on the attack patterns that actually hit this sector — not a generic checklist.

API abuse & business-logic flaws

Attacks exploiting BOLA, broken authentication, and payment-flow logic to move or mint funds.

Account takeover

Credential stuffing, SIM swap, and MFA bypass attacks against customer and admin accounts.

Smart-contract exploits

Flaws in smart contracts, bridges, and on-chain/off-chain integrations — reentrancy, oracle manipulation, flash-loan attacks.

BEC & wire fraud

Email compromise targeting finance, operations, and customer support to redirect payments or impersonate clients.

Mobile app tampering

Runtime manipulation, jailbreak/root exploitation, and local-storage extraction from mobile fintech apps.

Third-party & vendor risk

Compromise of KYC providers, payment processors, analytics vendors, or open-banking partners.

FAQ

Frequently asked questions

Ready to secure your fintech platform?

Talk to our team about a security assessment tailored to the unique risk profile of your organization.

Request a Security Assessment