Is instabank.fi Safe? Security Analysis for Instabank ASA
https://instabank.fiCheck if instabank.fi is a scam or legitimate. Free security scan and reviews.
AI Summary
Instabank ASA operates as a digital bank primarily serving the Finnish market with a focus on unsecured loans, loan consolidation, credit cards, savings accounts, and loan protection insurance. The company positions itself as a customer-friendly, easy-to-use digital banking solution, leveraging modern technology to provide fast and accessible financial services. The website reflects a medium-sized financial institution with a clear brand identity and consistent messaging aligned with its Norwegian headquarters. Technically, the site is built on WordPress with Elementor, supported by modern analytics and marketing tools such as Google Tag Manager, Facebook Pixel, and Hotjar, hosted on Microsoft Azure cloud infrastructure. Security posture is strong with HTTPS, DNSSEC, and cookie consent mechanisms, though some security headers could be improved. The domain registration is transparent and consistent with the business claims, enhancing trustworthiness. Overall, the website and business demonstrate a mature digital presence suitable for a financial services provider.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
Instabank ASA is a relatively new entrant in the Nordic digital banking sector, founded in 2016 and headquartered in Oslo, Norway. It targets Finnish consumers seeking convenient digital financial products. The business model centers on providing unsecured consumer loans, credit cards with competitive terms, and savings products, supported by loan protection insurance. The company maintains a multi-country presence with sister sites in Norway and Germany, indicating regional expansion ambitions. The website's affiliate tracking and marketing integrations suggest active customer acquisition strategies. The partnership with a Norwegian charity reflects corporate social responsibility efforts. Instabank's transparent WHOIS data and consistent branding reinforce its credibility in a competitive market.
Extracted Contact Information
Marketing Intelligence Data
Phone Numbers (1)
Physical Addresses (1)
Company Registration
INSTABANK ASA
816914582
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a solid security foundation with enforced HTTPS, DNSSEC for domain integrity, and a comprehensive cookie consent mechanism aligned with GDPR requirements. The presence of third-party analytics and marketing scripts is managed with user consent. However, explicit HTTP security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options are not visibly configured, representing an area for enhancement. No exposed sensitive data or vulnerabilities were detected in the HTML content. The site uses reputable hosting and CDN services, reducing risks of downtime or attacks. Incident response and security policy documentation are not publicly available, which could be improved to enhance transparency and readiness.
Strategic Recommendations
Priority Actions for Security Improvement
Implement and enforce comprehensive HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Instabank ASA
Tyytyväisten asiakkaiden digitaalinen pankki. Tarjoamme vakuudetonta lainaa, lainaturvavakuutuksen ja säästötilin. Helppo asiointi ja ystävällinen palvelu.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced
- DNSSEC enabled
- Cookie consent banner implemented
- No exposed sensitive data found in HTML
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 Strict-Transport-Security header
HIGHForces HTTPS connections
Weak X-Frame-Options configuration
LOWCurrent value: "SAMEORIGIN, SAMEORIGIN"
Weak X-Content-Type-Options configuration
LOWCurrent value: "nosniff, nosniff"
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
No Cookie Consent Banner found
HIGHGDPR requires explicit consent for non-essential cookies
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, LinkedIn, Google APIs
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
Complex SPF record
LOWToo many include statements can cause lookup limits
DMARC not enforcing
MEDIUMDMARC policy is set to "none"
No DMARC reporting
LOWDMARC aggregate reports not configured
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
DKIM Selectors Found
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
Mixed Content Detected
MEDIUM3 resources loaded over insecure HTTP
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
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
DMARC Policy Set to None
LOWDMARC is configured but not enforcing any policy
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
Additional Findings
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