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Is ferratumgroup.com a Scam? Security Check Results - Multitude

ferratumgroup.com Security Report Summary

ferratumgroup.com received a security score of 47 out of 100 in Guard's comprehensive security analysis, classified as "Elevated Risk". This report covers Multitude's website security posture. Multitude operates in the Finance industry in Finland.

Multitude is a Nordic-born European fintech company providing digital financial services across nearly 20 countries. It operates through three main business units focusing on consumer banking, SME banking, and wholesale banking. The company emphasizes growth enablement for fintech businesses and maintains a strong investor relations presence with comprehensive ESG reporting. Technically, the website uses a mature tech stack including jQuery, Bootstrap, and various analytics and marketing tools, hosted on a Sitecore CMS platform. Security posture is good with HTTPS and cookie consent mechanisms, though some improvements are recommended such as updating legacy libraries and adding security headers. Overall, the website is professional, well-branded, and trustworthy, with moderate tracking and good privacy compliance.

The security scan identified 23 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: jQuery 1.8.3, jQuery UI 1.10.0, Moment.js 2.29.4, Bootstrap CSS, Slick Slider, Google Tag Manager, Facebook Pixel, Hotjar, Investis Digital Cookie Manager.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

M

Is ferratumgroup.com Safe? Security Analysis for Multitude

http://ferratumgroup.com

Check if ferratumgroup.com is a scam or legitimate. Free security scan and reviews.

FinanceFinlandmedium
jQuery 1.8.3jQuery UI 1.10.0Moment.js 2.29.4Bootstrap CSSSlick Slider+4 more
Analyzed 6/21/2025Completed 7:39:42 PM9mo ago
47
Security Score
HIGH RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainferratumgroup.com
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SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

Multitude is a Nordic-born European fintech company providing digital financial services across nearly 20 countries. It operates through three main business units focusing on consumer banking, SME banking, and wholesale banking. The company emphasizes growth enablement for fintech businesses and maintains a strong investor relations presence with comprehensive ESG reporting. Technically, the website uses a mature tech stack including jQuery, Bootstrap, and various analytics and marketing tools, hosted on a Sitecore CMS platform. Security posture is good with HTTPS and cookie consent mechanisms, though some improvements are recommended such as updating legacy libraries and adding security headers. Overall, the website is professional, well-branded, and trustworthy, with moderate tracking and good privacy compliance.

Detected Technologies

jQuery 1.8.3jQuery UI 1.10.0Moment.js 2.29.4Bootstrap CSSSlick SliderGoogle Tag ManagerFacebook PixelHotjarInvestis Digital Cookie Manager

8 urgent findings need attention

3 critical · 5 high

Continuous monitoring

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Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.

Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

1 finding

0/100

GDPR Compliance

4 findings

43/100

NIS2 Compliance

9 findings

0/100

Email Security

3 findings

85/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

Multitude positions itself as a growth platform for fintech success stories, leveraging internal business units and external partnerships. Its business model focuses on enabling financial businesses to scale efficiently with tech and regulatory support. The company targets consumers, SMEs, wholesale clients, investors, and job seekers. It has a solid market position with two decades of experience and a medium-sized footprint. The presence of ESG reports and investor-focused content indicates a mature corporate governance and transparency approach. The company uses third-party services for investor relations and HR management, indicating a well-integrated ecosystem.

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a good security baseline with HTTPS enabled and cookie consent mechanisms that comply with GDPR. Tracking scripts like Google Analytics, Facebook Pixel, and Hotjar are used with opt-in attributes, reflecting privacy awareness. However, the use of an outdated jQuery version could expose the site to known vulnerabilities. The absence of explicit security policies, incident response contacts, and vulnerability disclosure pages suggests room for improvement in transparency and readiness. Security headers are not visibly configured, which could enhance protection against common web attacks. No exposed sensitive data or critical vulnerabilities were detected in the HTML content.

Strategic Recommendations

Priority Actions for Security Improvement

1

Update jQuery and other JavaScript libraries to the latest secure versions to mitigate known vulnerabilities.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Multitude

Description:

Multitude is a Nordic-born, European provider of digital financial services operating in nearly 20 countries. It has two decades of experience in building and scaling financial technology and aims to become the most valued financial ecosystem. The company operates three internal business units: Ferratum (consumer banking), CapitalBox (SME banking), and Multitude Bank (wholesale banking).

Key Services:
Consumer bankingSME bankingWholesale bankingGrowth platform services
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
jQuery 1.8.3jQuery UI 1.10.0Moment.js 2.29.4Bootstrap CSSSlick SliderGoogle Tag ManagerFacebook PixelHotjarInvestis Digital Cookie Manager
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:
80/100
Best Practices:
  • HTTPS enabled
  • Cookie consent mechanism implemented
  • Google Tag Manager and Facebook Pixel scripts loaded with opt-in data attributes
  • No exposed sensitive data in HTML

Analytics & Tracking

Services:
Google AnalyticsHotjar
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Tracking Pixels:
Facebook PixelHotjar
Marketing Tools:
HotjarFacebook Pixel
Transparency Level:basic

Website Quality Assessment

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

Key Observations

1

Website is professionally designed with clear navigation and consistent branding.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

0/100
Score
Analysis failed - content could not be retrieved

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

43/100
Score

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

No HTTPS encryption

CRITICAL

GDPR requires appropriate security measures for personal data

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
phoneform

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

0/100
Score

No HTTPS encryption

CRITICAL

NIS2 requires appropriate technical measures including encryption

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

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📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

85/100
Score

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 a:mailers.ferratum.com include:mg.ferratum.com a:smtp01.ferratum.com a:smtp2.ferratum.com include:spf.messagelabs.com include:spf.protection.outlook.com -all
DNS Lookups:6/10
Policy:-all
DKIM Selectors Found
Selector:default(1296-bit rsa)

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

0/100
Score

No HTTPS Encryption

CRITICAL

Website does not use HTTPS encryption, making all data transmission vulnerable to interception

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

70/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

No DMARC Record

MEDIUM

DMARC policy not configured

Domain Registration Details

Domain Age
18 years(mature)
Expiry Risk
medium(expired)
Protection Level
basicDNSSEC OFF

DNS Records

A Records:68.219.8.204
Name Servers:
ns10.dnsmadeeasy.com
ns11.dnsmadeeasy.com
ns12.dnsmadeeasy.com
ns13.dnsmadeeasy.com
ns14.dnsmadeeasy.com
MX Records:
10: cluster5.eu.messagelabs.com
20: cluster5a.eu.messagelabs.com
SOA:Serial: 2009010457, TTL: 180s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:122ms

SPF Analysis

SPF Record:
v=spf1 a:mailers.ferratum.com include:mg.ferratum.com a:smtp01.ferratum.com a:smtp2.ferratum.com include:spf.messagelabs.com include:spf.protection.outlook.com -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

How does ferratumgroup.com compare?

ferratumgroup.com scores below average. Browse similar domains to see how competitors handle security.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on a Sitecore CMS platform, utilizing a combination of jQuery, Bootstrap, and Slick Slider for UI components. It integrates multiple third-party analytics and marketing tools including Google Tag Manager, Facebook Pixel, and Hotjar, with cookie consent management handled by Investis Digital's cookie manager. The site is mobile optimized with responsive design and includes SEO best practices such as meta tags and Open Graph data. Performance is moderate, with potential improvements in modernizing the tech stack and optimizing script loading. Accessibility is basic but could be enhanced. Overall, the technical infrastructure supports a professional and functional user experience.
Professional PDF & Marketing Data

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PDF Report & Export

PDF download, email delivery, unlock code

39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainferratumgroup.com
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

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