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Security report for bankmega.com

PT Bank Mega, Tbk. · Finance · Indonesia

Partial score · DNS & email only

59/100

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

PT Bank Mega, Tbk. operates as a major Indonesian bank providing a wide range of financial services including credit cards, savings, loans, wealth management, and digital banking solutions. The website targets both individual and business customers within Indonesia, reflecting a mature banking institution with a strong market presence. The site is professionally designed with consistent branding and clear navigation, supporting a positive user experience. Technically, the website employs modern web technologies such as Bootstrap, jQuery, and integrates multiple analytics and marketing pixels, indicating a digitally mature infrastructure supported by Akamai CDN for performance and reliability. Security posture is strong with HTTPS enforced and no visible sensitive data exposure; however, the absence of explicit security headers and vulnerability disclosure mechanisms suggests room for improvement. Privacy compliance is partially addressed with a comprehensive privacy policy, but lacks cookie consent mechanisms and GDPR compliance indicators. Overall, the website demonstrates high business credibility and trustworthiness consistent with a regulated financial institution in Indonesia.

Scanned

NIS2 and GDPR posture

GDPR outside view
33/ 100 · High
Checks completed
6of 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. GDPR outside view

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

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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

  2. 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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

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

Keep watching bankmega.com

This scan found 11 issues across 5 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

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

Email alerts on material changes and an exportable JSON history of every change.

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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
0
Email security
70
DNS health
90
Network security
100
GDPR outside view
33
Average
59

Not counted

  • Security headers: did not complete in this scan.
  • 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

Bank Mega holds a significant position in the Indonesian banking sector, offering diversified financial products to retail and business clients. Its business model focuses on retail and commercial banking with digital transformation initiatives evident from its online banking services and mobile optimization. The company leverages partnerships with regulatory bodies such as OJK and Bank Indonesia, enhancing its legitimacy and compliance stature. The presence of multiple social media channels and promotional campaigns indicates active customer engagement and marketing efforts. The website's content and structure support a broad target audience, including individuals seeking credit cards and savings products, as well as businesses requiring treasury and payroll services. The bank's digital ecosystem includes multiple subdomains for internet banking and virtual accounts, reflecting a comprehensive service portfolio.

Security posture

The website exhibits a solid security foundation with HTTPS enabled and secure form handling including CSRF tokens. However, the lack of visible security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options reduces the overall security hardening. No vulnerability disclosure or incident response contact information is provided, which could hinder timely reporting and mitigation of security issues. The extensive use of third-party analytics and tracking pixels increases the attack surface and privacy risks, though no direct vulnerabilities or exposed sensitive data were detected. The security score is good but could be enhanced by implementing recommended headers, publishing security policies, and introducing cookie consent mechanisms to align with privacy regulations.

Recommendations

  1. Implement standard security headers (CSP, X-Frame-Options, X-Content-Type-Options) to improve protection against common web attacks.
  2. Introduce a cookie consent banner or mechanism to comply with privacy regulations and enhance user transparency.
  3. Publish a security policy and provide incident response contact channels such as security@ or abuse@ email addresses.
  4. Consider adding a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  5. Regularly audit third-party scripts and tracking pixels to minimize privacy risks and ensure compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
PT Bank Mega, Tbk.
Description
Bank Mega is a financial institution offering banking services including personal and business banking products such as credit cards, savings, loans, wealth management, and digital banking services.
Key services
Credit Cards, Savings Accounts, Loans, Wealth Management, Digital Banking Services
Content quality
good
Branding
consistent

Technology

Stack
Bootstrap, MDBootstrap, FontAwesome, jQuery, Google Tag Manager, Google Analytics, Facebook Pixel, TikTok Pixel, Twitter Universal Website Tag, Akamai Boomerang
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No visible exposed sensitive data
  • Secure forms with CSRF tokens

Analytics and tracking

Services
Google Analytics, Facebook Pixel, TikTok Pixel, Twitter Pixel
Tracking level
extensive
Privacy practices
basic

Advertising

Ad networks
TikTok Pixel, Facebook Pixel, Twitter Universal Website Tag
Tracking pixels
Facebook Pixel, TikTok Pixel, Twitter Pixel
Marketing tools
Akamai Boomerang
Transparency
good

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 professionally presented in Indonesian language targeting Indonesian customers.
  3. Strong presence of tracking and marketing pixels indicating extensive user analytics.
  4. No explicit cookie consent banner or mechanism detected.
  5. Contact information limited to phone numbers; no email addresses or contact forms explicitly found.
  6. No visible security.txt or vulnerability disclosure information.
  7. Privacy policy is present and comprehensive but no GDPR compliance explicitly stated.
  8. Website uses HTTPS with strong SSL configuration.
  9. No explicit security headers detected in the HTML content.
  10. Multiple external domains used for analytics, CDN, and social media integrations.
Technical notes

Notes

The website uses a modern front-end stack including Bootstrap and MDBootstrap for responsive design, FontAwesome for icons, and jQuery for scripting. It integrates multiple analytics and marketing tools such as Google Analytics, Facebook Pixel, TikTok Pixel, and Twitter tags, indicating a comprehensive data collection strategy. Hosting and content delivery are supported by Akamai CDN, enhancing performance and availability. The site is mobile-optimized with good accessibility and SEO practices, including proper meta tags and structured navigation. However, the absence of a detected CMS suggests a custom or proprietary platform. Performance is moderate with room for optimization, especially considering the number of external scripts loaded. Overall, the technical infrastructure supports a robust and scalable banking website.
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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