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Is lukb.ch a Scam? Security Check Results - Luzerner Kantonalbank Reviews

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Is lukb.ch Safe? Security Analysis for Luzerner Kantonalbank

Check if lukb.ch is a scam or legitimate. Free security scan and reviews.

FinanceSwitzerlandlarge
JavaScriptCookiebotGoogle Tag ManagerGoogle AnalyticsHTMX
Analyzed 9/6/2025Completed 7:18:34 PM
76
Security Score
LOW RISK

AI Summary

Luzerner Kantonalbank (LUKB) is a leading regional bank based in Luzern, Switzerland, offering a comprehensive range of financial services including private banking, mortgages, savings, investments, and financial planning. The website targets private customers primarily in Luzern and the Central Switzerland region, emphasizing personalized advice and innovative banking solutions. The bank has a strong market position as a trusted financial institution with a long history, celebrating 175 years in 2025. Technically, the website employs modern web technologies such as JavaScript, Cookiebot for cookie consent management, Google Tag Manager, and Google Analytics for tracking and analytics. The site is well-optimized for mobile devices, accessible, and SEO-friendly, providing a smooth user experience with clear navigation and professional design. From a security perspective, the site enforces HTTPS with strong SSL configuration and implements security best practices including security headers and secure cookie handling. However, explicit security policies and incident response information are not publicly available, and no vulnerability disclosure or security.txt file is found. Privacy compliance is robust with comprehensive privacy and cookie policies and GDPR adherence. Overall, the website is professional, trustworthy, and secure, with extensive content and clear business credibility. Recommendations include publishing explicit security policies, incident response procedures, and vulnerability disclosure information to enhance transparency and trust further.

Detected Technologies

JavaScriptCookiebotGoogle Tag ManagerGoogle AnalyticsHTMX

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

LUKB operates as a large, essential banking entity focused on retail and private banking services in Switzerland. Its competitive advantage lies in its regional dominance, comprehensive service offerings, and strong brand presence. The business model revolves around traditional banking products supplemented by digital services and personalized financial advice. Revenue streams likely include interest income from mortgages and loans, fees from asset management, and transactional services. The target customer segment is private individuals and families in the Luzern region. The bank maintains partnerships with related financial service platforms and real estate portals, enhancing its ecosystem. Growth indicators include digital product offerings and active social media engagement. Strategic observations highlight a mature, stable institution with a focus on customer trust and regulatory compliance.

Extracted Contact Information

Marketing Intelligence Data

Phone Numbers (2)

+4184482****
+4184484****

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a mature security posture with enforced HTTPS, modern security headers, and cookie consent management. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. The use of session cookies and local storage is controlled and documented. However, the absence of a public security policy, incident response plan, and vulnerability disclosure mechanism indicates room for improvement in transparency and readiness. Compliance with GDPR is evident through privacy and cookie policies. The security culture appears solid but could benefit from more explicit communication of security practices and incident handling to users and stakeholders.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a dedicated security policy page detailing security measures and user guidance.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Luzerner Kantonalbank

Description:

Entdecken Sie die vielfältigen Finanzdienstleistungen Ihrer Bank in Luzern und der Zentralschweiz. Persönliche Beratung, innovative Banklösungen und erstklassiger Service.

Key Services:
Accounts and cardsSavings and paymentsPension and financial planningMortgage and real estate financingInvestment and asset managementPrivate banking
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
JavaScriptCookiebotGoogle Tag ManagerGoogle AnalyticsHTMX
Performance:

moderate

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
90/100
Best Practices:
  • HTTPS enforced
  • Cookie consent management
  • No exposed sensitive data in HTML
  • Use of session cookies for security

Analytics & Tracking

Services:
Google Analytics
Tracking Level:extensive
Privacy Compliance:good

Advertising & Marketing

Ad Networks:
Google DoubleClickLinkedInMeta Platforms (Facebook)
Tracking Pixels:
Facebook PixelLinkedIn Insight Tag
Marketing Tools:
Cookiebot
Transparency Level:good

Website Quality Assessment

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

Key Observations

1

Website is professionally designed and well-structured.

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

80/100
Score

Weak Referrer-Policy configuration

LOW

Current value: "same-origin"

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-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

83/100
Score

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

GDPR Compliance Analysis

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

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

22/100
Score

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

📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

75/100
Score

DMARC not enforcing

MEDIUM

DMARC policy is set to "none"

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 include:spf.swisscom.com ip4:195.134.137.234 ip4:212.47.170.0/24 ip4:5.148.166.0/24 ip4:77.109.136.83 ip4:77.109.138.80 ip4:92.43.216.251 ip4:92.43.218.118 ip4:178.22.65.195 ip4:54.229.54.45 ip4:185.226.224.140 include:spf.augure.com include:_sp f-dc12.successfactors.com ~all
DNS Lookups:3/10
Policy:~all
DKIM Selectors Found
Selector:s1(1440-bit rsa)
DMARC Details
Policy:none
Aggregate Reports:reports-rua@lukb.ch
Forensic Reports:reports-ruf@lukb.ch

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

77/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

80/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DMARC Policy Set to None

LOW

DMARC is configured but not enforcing any policy

DNS Records

A Records:193.222.70.60
Name Servers:
dns1.swisscom.comDNS only
dns2.swisscom.comDNS only
dns3.swisscom.comDNS only
MX Records:
10: mail.swisscom.com
20: mail10.swisscom.com
20: mail20.swisscom.com
SOA:Serial: 14094, TTL: 600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:86ms

SPF Analysis

SPF Record:
v=spf1 include:spf.swisscom.com ip4:195.134.137.234 ip4:212.47.170.0/24 ip4:5.148.166.0/24 ip4:77.109.136.83 ip4:77.109.138.80 ip4:92.43.216.251 ip4:92.43.218.118 ip4:178.22.65.195 ip4:54.229.54.45 ip4:185.226.224.140 include:spf.augure.com include:_sp f-dc12.successfactors.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

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website uses a modern and modular front-end architecture with asynchronous JavaScript loading, Cookiebot for consent management, and Google Tag Manager for analytics integration. The site is mobile-optimized with responsive design and accessibility features. Performance is moderate, with potential improvements in loading speed by optimizing images and scripts further. No CMS is explicitly detected, suggesting a custom or proprietary platform. Hosting details are not disclosed. The technical stack supports a professional banking website with secure data handling and user-friendly interfaces. Opportunities exist to enhance technical documentation and monitoring for security and performance.
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