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Is ferratum.lv a Scam? Security Check Results - Ferratum by Multitude Bank p.l.c. Reviews

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Is ferratum.lv Safe? Security Analysis for Ferratum by Multitude Bank p.l.c.

Check if ferratum.lv is a scam or legitimate. Free security scan and reviews.

FinanceLatvialarge
ReactNext.jsPartytownGoogle Tag ManagerEmbedSocial
Analyzed 7/31/2025Completed 1:50:50 PM
56
Security Score
MEDIUM RISK

AI Summary

Ferratum by Multitude Bank p.l.c. is a licensed financial services provider operating primarily in Latvia and other countries, offering consumer loans, credit lines, and a mobile banking application. The company positions itself as a premium, easy-to-use financial solutions provider with a global presence and over 2 million customers. The website is professionally designed, mobile-optimized, and rich in relevant content, targeting general consumers seeking quick and flexible financial products. Technically, the site leverages modern frameworks such as Next.js and React, integrates third-party analytics and marketing tools, and employs security best practices including HTTPS and security headers. However, explicit security policies and incident response information are not publicly disclosed, which could be improved to enhance trust and compliance visibility. Overall, the site demonstrates a mature digital presence with strong business credibility and compliance with privacy regulations.

Detected Technologies

ReactNext.jsPartytownGoogle Tag ManagerEmbedSocial

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

Ferratum operates in the competitive financial services sector, focusing on consumer lending and digital banking products. Its business model centers on providing fast, flexible credit solutions with transparent pricing and no hidden fees. The company benefits from a broad geographic footprint and a strong parent company, Multitude AG. The website's content and marketing emphasize ease of use, speed, and customer empowerment. The presence of embedded customer reviews and active social media channels supports brand trust. The lack of direct public contact emails or phone numbers suggests a controlled customer interaction model via client portals and help centers. Growth indicators include a large customer base and multi-country operations. Strategic partnerships appear limited to internal group entities and service providers.

Extracted Contact Information

Marketing Intelligence Data

Security Posture Analysis

Comprehensive Security Assessment

The website exhibits a solid security posture with enforced HTTPS, modern security headers, and no visible exposure of sensitive data. Use of Partytown for script management and Google Tag Manager for analytics indicates a controlled approach to third-party scripts. However, the absence of a published security policy, incident response plan, or vulnerability disclosure program limits transparency. No security contact emails or abuse channels are provided, which is a gap for incident handling. The site should consider publishing a security.txt file and explicit security documentation to improve security culture and customer confidence. No vulnerabilities or suspicious scripts were detected in the analysis.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a dedicated security policy and incident response information on the website.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Ferratum by Multitude Bank p.l.c.

Description:

Ferratum ir licencēta finanšu kompānija, kas piedāvā ātrus un elastīgus finanšu risinājumus – patēriņa kredītus, kredītlīnijas un citus aizdevumus. Mūsu mērķis ir palīdzēt tev sasniegt finansiālo brīvību.

Key Services:
Patēriņa kredītsKredītlīnijaFerratum aplikācija (banking app with account, savings, virtual card)
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
ReactNext.jsPartytownGoogle Tag ManagerEmbedSocial
Frameworks:
Next.js
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Use of security headers
  • No exposed sensitive data in HTML
  • Secure forms with proper input fields

Analytics & Tracking

Services:
Google Analytics (via GTM)Hotjar
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Tracking Pixels:
Facebook Pixel (fbq)Hotjar (hj)
Marketing Tools:
GrowthbookEmbedSocial
Transparency Level:good

Website Quality Assessment

Design Quality:excellent
User Experience:excellent
Content Relevance:excellent
Navigation Clarity:excellent
Professionalism:excellent
Trustworthiness:high

Key Observations

1

Website is fully accessible with rich content and no blocking detected

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

25/100
Score

Weak Strict-Transport-Security configuration

LOW

Current value: "max-age=15724800; includeSubDomains"

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

40/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

Third-party services without privacy policy

HIGH

Detected services: Google Analytics, Facebook, Twitter, LinkedIn

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
phone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

2/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

Critical sector without clear security compliance

HIGH

Detected sectors: energy, transport, banking, digital

📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

70/100
Score

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 mx a include:spf.messagelabs.com include:spf.protection.outlook.com ip4:213.214.173.10 ip4:213.214.173.71 ip4:161.38.192.215 ip4:209.61.151.240 ~all
DNS Lookups:4/10
Policy:~all

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

52/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 38 days

Weak SSL Key Length

HIGH

SSL certificate uses 256-bit key, which is considered weak

Short HSTS Max-Age

LOW

HSTS max-age is less than 1 year

Protocol Support

TLSv1.2TLSv1.3TLSv1.1

OCSP Status

OCSP Stapling Enabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

75/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

No DMARC Record

MEDIUM

DMARC policy not configured

DNS Records

A Records:104.18.18.236, 104.18.19.236
Name Servers:
keaton.ns.cloudflare.comDNS only
nina.ns.cloudflare.comDNS only
MX Records:
0: ferratum-lv.mail.protection.outlook.com
SOA:Serial: 2379279960, TTL: 1800s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:51ms

SPF Analysis

SPF Record:
v=spf1 mx a include:spf.messagelabs.com include:spf.protection.outlook.com ip4:213.214.173.10 ip4:213.214.173.71 ip4:161.38.192.215 ip4:209.61.151.240 ~all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on a modern React and Next.js framework, ensuring server-side rendering and good SEO performance. It uses Partytown to offload third-party scripts to web workers, improving performance and security. The site is mobile-optimized with responsive images and layouts. Integration with Google Tag Manager, Hotjar, and EmbedSocial indicates a mature analytics and marketing setup. The CMS appears custom-built with GraphQL endpoints. Performance is fast with preloading of fonts and images. No major technical debt or outdated libraries were detected. Opportunities exist to improve accessibility and provide more comprehensive metadata for enhanced SEO and compliance.
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