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.
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
🧠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
Physical Addresses (1)
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
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
Ferratum by Multitude Bank p.l.c.
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.
excellent
consistent
Technical Stack
fast
excellent
good
good
Security Assessment
- HTTPS enforced
- Use of security headers
- No exposed sensitive data in HTML
- Secure forms with proper input fields
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
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
Weak Strict-Transport-Security configuration
LOWCurrent value: "max-age=15724800; includeSubDomains"
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
Missing X-Content-Type-Options header
MEDIUMPrevents MIME type sniffing
Missing Content-Security-Policy header
HIGHControls resources the browser is allowed to load
Missing X-XSS-Protection header
MEDIUMLegacy XSS protection (deprecated but still recommended)
Missing Referrer-Policy header
LOWControls referrer information sent with requests
Missing Permissions-Policy header
MEDIUMControls browser features and APIs
Sensitive data may be cached
LOWCache-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
No Privacy Policy found
HIGHGDPR requires a clear and accessible privacy policy
EU business without adequate privacy measures
CRITICALEU businesses are subject to strict GDPR requirements
Third-party services without privacy policy
HIGHDetected services: Google Analytics, Facebook, Twitter, LinkedIn
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
NIS2 Compliance
Network & Information Security Directive
No information security framework found
HIGHNIS2 requires documented cybersecurity and information security measures
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure
No security policy documentation found
HIGHNIS2 requires documented cybersecurity governance and risk management
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans
No business continuity planning found
MEDIUMNIS2 emphasizes operational resilience and business continuity
No security contact information
HIGHNIS2 requires clear incident reporting channels
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure
No NIS2 reference found
LOWConsider explicitly mentioning NIS2 compliance efforts
Critical sector without clear security compliance
HIGHDetected sectors: energy, transport, banking, digital
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
No DKIM record found
MEDIUMDKIM adds cryptographic signatures to emails
No BIMI Record
LOWBIMI displays brand logos in email clients
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues
SPF Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
Weak Protocols Supported
HIGHServer supports weak protocols: TLSv1.1
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
SSL Certificate Expires Within 90 Days
MEDIUMSSL certificate expires in 38 days
Weak SSL Key Length
HIGHSSL certificate uses 256-bit key, which is considered weak
Short HSTS Max-Age
LOWHSTS max-age is less than 1 year
Protocol Support
OCSP Status
📊DNS Health
DNS configuration and security assessment.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
No DMARC Record
MEDIUMDMARC policy not configured
DNS Records
DNSSEC Status
DNS Performance
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo unnecessary services detected on common risky ports
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings