Is frankly.ch Safe? Security Analysis for Zürcher Kantonalbank
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AI Summary
frankly is a digital pension solution platform developed by Zürcher Kantonalbank, a major Swiss universal bank. The platform focuses on providing simple, fully digital retirement planning services including pillar 3a and vested benefits accounts. The website positions frankly as an easy, secure, and cost-effective solution for Swiss residents to manage their pension savings via app or web. The business model leverages digital transformation to reduce costs and improve user experience in the financial services sector. Technically, the website is built on Adobe Experience Manager, uses modern web standards, and integrates Adobe Analytics and OneTrust for tracking and consent management. Security posture is strong with HTTPS, security headers, and no visible vulnerabilities. However, explicit privacy policy and terms of service documents are not directly found on the homepage HTML, and no direct contact information is exposed, which slightly reduces privacy compliance and business credibility scores. Overall, frankly presents a professional, trustworthy, and technically sound digital financial service platform.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
frankly operates in the Swiss finance sector, targeting individuals interested in retirement planning. It benefits from the strong brand and trust of Zürcher Kantonalbank. The platform offers pension savings products with a low all-in fee, digital onboarding, and investment options. The business leverages a digital-first approach to disrupt traditional pension savings methods. The presence of awards and positive ratings (e.g., Moneyland) supports market credibility. The lack of visible direct contact info and some policy documents suggests room for improvement in transparency. The partnership ecosystem includes the parent bank and uses third-party services like OneTrust and Adobe Analytics for compliance and marketing. Growth potential is supported by digital adoption trends in financial services.
Extracted Contact Information
Marketing Intelligence Data
Email Addresses (1)
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a mature security posture with enforced HTTPS, comprehensive security headers, and cookie consent management via OneTrust. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of a published security policy, incident response contacts, or vulnerability disclosure reduces transparency and readiness perception. The site does not expose any direct contact channels for security incidents, which is a common best practice in finance. Overall, the security posture is strong technically but could be enhanced by publishing formal security and incident response documentation.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a clear and accessible privacy policy and terms of service on the website.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Zürcher Kantonalbank
frankly is Zürcher Kantonalbank’s digital pension solution dedicated to retirement planning in Switzerland, offering simple and inexpensive pillar 3a and vested benefits accounts fully digital with no paperwork.
good
consistent
Technical Stack
moderate
good
good
good
Security Assessment
- HTTPS enforced
- Use of security headers
- Cookie consent management
- No exposed sensitive data in HTML
- No visible vulnerable libraries
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with no blocking or WAF challenges.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing X-XSS-Protection header
MEDIUMLegacy XSS protection (deprecated but still recommended)
Missing Permissions-Policy header
MEDIUMControls browser features and APIs
👤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
Third-party services without privacy policy
HIGHDetected services: Facebook, LinkedIn, YouTube
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
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
DMARC not enforcing
MEDIUMDMARC policy is set to "none"
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
DMARC 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
OCSP Stapling Not Enabled
LOWOCSP stapling improves performance and privacy
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
Partial SSL/TLS Assessment
LOWCompleted 3 of 4 security checks due to time constraints
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
DNS Records
DNSSEC Status
⚡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
Additional Findings
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Community rating
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