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Security report for bankenverband.li

Liechtensteinischer Bankenverband · Finance · Liechtenstein

Medium risk. 4 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

75/100

Risk levelMedium

0–100, higher is better. How it is calculated

The Liechtensteinischer Bankenverband website serves as the official online presence of the Liechtenstein banking association, representing the rights and interests of the banking sector in Liechtenstein. It provides comprehensive information about the banking industry, sustainability initiatives, digitalization, and educational programs. The site targets banking professionals, customers, and stakeholders interested in the Liechtenstein financial market. The business model focuses on advocacy, information dissemination, and networking within the banking community. Technically, the website is built on the concrete5 CMS platform and leverages modern JavaScript libraries such as Vue.js and jQuery, along with UI frameworks like Foundation. It features responsive design, interactive elements like carousels and live search, and integrates third-party services for analytics and newsletter management. Performance is moderate with good mobile optimization and basic accessibility features. From a security perspective, the site enforces HTTPS and uses email obfuscation to protect contact information. However, it lacks explicit security headers and does not provide a vulnerability disclosure or incident response contact. Privacy compliance is partially addressed with a comprehensive privacy policy and newsletter consent but lacks a cookie consent mechanism. No critical vulnerabilities or exposed sensitive data were detected. Overall, the website is professional, trustworthy, and well-aligned with its business purpose. Strategic improvements in security headers, cookie consent, and incident response transparency would enhance its security posture and compliance standing.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

4 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  3. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

Need hands-on remediation? Email guard@offseq.com

Keep watching bankenverband.li

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
72
Security headers
60
Email security
80
DNS health
85
Network security
100
GDPR outside view
53
Average
75

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

The Liechtensteinischer Bankenverband holds a central position as the industry association for banks in Liechtenstein, advocating for the sector's interests and providing a platform for communication and education. Its competitive advantage lies in its authoritative role and established network within the financial community. The business model is non-commercial, focusing on member services, regulatory advocacy, and public information. Revenue streams likely include membership fees and event sponsorships. The target customers are banks, financial institutions, and bank clients in Liechtenstein. Growth indicators include active content updates, strategic partnerships, and engagement in sustainability and digital transformation initiatives. The partnership ecosystem includes related financial service providers and educational institutions.

Security posture

The website demonstrates a moderate security maturity level with HTTPS enforced and use of email obfuscation to protect contact data. The absence of security headers such as Content-Security-Policy and X-Frame-Options represents a gap that could expose the site to certain web-based attacks. The lack of a published vulnerability disclosure policy or incident response contact limits transparency and readiness for security incidents. Privacy practices are partially compliant with GDPR, evidenced by a detailed privacy policy and explicit newsletter consent. No signs of malware, phishing, or exposed credentials were found. Overall, the security posture is adequate for a non-transactional informational site but could be improved to meet higher standards.

Recommendations

  1. Implement standard security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  2. Introduce a cookie consent banner/mechanism to comply fully with GDPR and ePrivacy regulations.
  3. Publish a vulnerability disclosure policy or security.txt file to facilitate responsible reporting of security issues.
  4. Add explicit incident response contact information, such as a security@ or abuse@ email address, to improve transparency and readiness.
  5. Enhance accessibility features to improve usability for users with disabilities and comply with accessibility standards.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Liechtensteinischer Bankenverband
Description
Wahrnehmung und Vertretung der Rechte und Interessen des Bankendienstleistungssektors in Liechtenstein. Hier finden Sie alle Informationen über den Verband und den Bankenplatz Liechtenstein.
Key services
Interessenvertretung, Information und Kommunikation, Veranstaltungen und Weiterbildung, Netzwerkpflege
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Vue.js, Slick Carousel, Isotope, Packery, Foundation, Bluebird, Fetch polyfill
Frameworks
concrete5 CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • No exposed emails in raw form (email obfuscator used)
  • Secure newsletter subscription with consent checkbox

Analytics and tracking

Services
Matomo Tag Manager
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Matomo Tag Manager (analytics.sitewalk.com)
Marketing tools
CleverReach (newsletter service)
Transparency
basic

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenges
  2. Content is primarily in German with English alternate available
  3. Professional banking association website with clear navigation and structured content
  4. Use of modern JavaScript frameworks and CMS concrete5
  5. No exposed sensitive data or security issues detected in HTML content
  6. Newsletter subscription includes explicit consent with privacy notice
  7. Social media presence on Twitter and LinkedIn
  8. No explicit privacy or cookie banners found, but privacy policy is present
  9. No terms of service or security policy pages explicitly found
  10. No incident response or vulnerability disclosure information found
Technical notes

Notes

The website is built on the concrete5 CMS platform, utilizing a modern JavaScript stack including Vue.js and jQuery for dynamic content and user interaction. UI components such as Slick Carousel and Isotope provide a rich user experience. The site is mobile responsive and includes SEO best practices like meta tags and Open Graph data. Performance is moderate, with some potential for optimization in loading times and accessibility. The use of third-party analytics (Matomo) and newsletter services (CleverReach) indicates integration with marketing tools. Overall, the technical infrastructure is solid but could benefit from enhanced security configurations and performance tuning.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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