Is kekspay.hr Safe? Security Analysis for Hrvatski Telekom d.d.
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Below Finance avg (78)
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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
KEKS Pay is a Croatian financial technology service offering a mobile application for fast, no-fee money transfers, bill payments, parking payments, and other financial transactions. Sponsored by Erste Banka and registered under Hrvatski Telekom d.d., the platform targets both individual consumers and business users, providing a convenient and secure payment ecosystem. The website is professionally designed, mobile-optimized, and provides clear information about its services and privacy practices. Technically, it leverages modern JavaScript frameworks (Vue.js, Nuxt.js) and integrates with major app stores for broad platform support. Security practices include encryption, biometric and PIN protection, and compliance with EU standards, although explicit security policies and incident response contacts are not publicly disclosed. Overall, the site is trustworthy, well-maintained, and compliant with GDPR, with a strong market position in Croatia's fintech sector.
Detected Technologies
12 urgent findings need attention
1 critical · 11 high
- + 4 more findings in the full report below
Keep kekspay.hr under constant watch
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
4 findings
65/100
GDPR Compliance
5 findings
10/100
NIS2 Compliance
9 findings
2/100
Email Security
4 findings
70/100
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
KEKS Pay operates in the Croatian finance sector, focusing on digital payments and money transfers without fees, differentiating itself by ease of use and broad banking interoperability. Its business model is supported by Erste Banka sponsorship and Hrvatski Telekom's domain registration, indicating strong institutional backing. The platform serves over 500,000 users and offers business solutions for hospitality and e-commerce sectors, suggesting diversified revenue streams. The partnership ecosystem includes Erste Banka and telecom infrastructure providers. Growth indicators include multi-platform app availability and continuous feature expansion. The company targets general consumers and businesses seeking efficient payment solutions.
Security Posture Analysis
Comprehensive Security Assessment
The security posture of KEKS Pay is solid, with HTTPS enforced, encrypted data storage, and app-level protections such as PIN and biometric authentication. Transactions undergo security checks aligned with EU standards. However, the website lacks publicly available detailed security policies, incident response contacts, and vulnerability disclosure mechanisms, which are important for transparency and trust. No critical vulnerabilities or exposed sensitive data were detected. The use of Google Tag Manager is noted, but no excessive tracking was observed. Overall, the security maturity is good but could be improved by publishing formal security documentation and incident response procedures.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a dedicated security policy page detailing security controls and standards.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Hrvatski Telekom d.d.
KEKS Pay is a financial application enabling fast sending and receiving of money without fees. It offers services such as bill payments, parking payments, ENC top-ups, online and offline purchases, and a free physical card called KEKSICA.
excellent
consistent
Technical Stack
fast
excellent
good
good
Security Assessment
- HTTPS enforced
- PIN and biometric protection on app
- Data encryption and storage on protected servers
- Security checks on transactions
- Compliance with highest EU standards
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with no blocking or WAF challenges.
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🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Weak Strict-Transport-Security configuration
LOWCurrent value: "max-age=15768000;"
Missing Content-Security-Policy header
HIGHControls resources the browser is allowed to load
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 Policy found
HIGHGDPR requires clear information about cookie usage
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
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: transport, banking, digital
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📧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
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
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
Domain Registration Details
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
How does kekspay.hr compare?
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🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings
Additional Findings
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Marketing Intelligence
Contact emails, phone numbers & warm leads
Plan Comparison
| Feature | PDF Report | Marketing+ |
|---|---|---|
| Full security analysis | ||
| Professional PDF export | ||
| Email delivery | ||
| Lifetime access + unlock code | ||
| Contact emails & phones | — | |
| Marketing outreach data | — |
Already purchased?
Order summary
Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.
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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