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Security report for cashpresso.com

Raiffeisen Bank International · Finance · Austria

Medium risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

56/100

Risk levelMedium

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

Cashpresso is a financial service platform provided by Raiffeisen Bank International AG, offering flexible credit and payment solutions such as installment payments and purchase on account. The website targets private and business customers primarily in Austria, providing a digital-first experience with quick online registration and management via mobile apps. The platform is well integrated with multiple partner shops and maintains a strong brand presence supported by awards and customer ratings. Technically, the site uses modern frameworks and Adobe Experience Manager CMS but suffers from slow load times and lacks a valid SSL certificate, which is a critical security concern. Privacy compliance is well addressed with clear policies and consent mechanisms. Overall, the business appears legitimate and trustworthy, but the security posture requires urgent improvement to protect user data and maintain trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
18/ 100 · Critical
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. 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 cashpresso.com

This scan found 14 issues across 6 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

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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
0
Security headers
80
Email security
50
DNS health
85
Network security
100
GDPR outside view
18
Average
56

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

Cashpresso operates in the fintech sector, leveraging the reputation of Raiffeisen Bank International to provide consumer credit products. Its business model focuses on flexible financing options with digital onboarding and management, appealing to a broad customer base. The company has established partnerships with various retail and service providers to extend its payment solutions. The presence of multiple certifications and awards enhances its market credibility. The website's content and structure support clear communication of services and benefits, facilitating customer acquisition and retention. Growth potential is supported by digital tools and a comprehensive partner ecosystem.

Security posture

The website currently exhibits a basic security posture with significant gaps. The absence of a valid SSL certificate and HTTPS enforcement exposes users to potential data interception risks. Missing security headers and lack of advanced TLS protocols further weaken the security stance. No explicit incident response or vulnerability disclosure policies are found, which could hinder timely mitigation of security events. However, no known vulnerabilities or malware indicators are detected. Privacy policies and cookie consent mechanisms are properly implemented, supporting GDPR compliance. Immediate remediation of SSL and security headers is recommended to elevate security maturity.

Recommendations

  1. Obtain and deploy a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Implement HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  3. Enable HSTS with includeSubDomains and preload to enforce secure connections.
  4. Improve website performance by optimizing resources and reducing load time.
  5. Publish a clear security policy and vulnerability disclosure program to enhance transparency and incident response readiness.
Technical notes

Notes

The website is built on Adobe Experience Manager CMS with Vue.js components and uses third-party services such as OneTrust for cookie consent and hCaptcha for bot protection. Hosting is via Fastly CDN, indicated by IP addresses. The site includes modern SEO and accessibility features but suffers from slow load times and a large number of resources (160). The SSL configuration is currently invalid, and no modern TLS protocols are enabled. JavaScript libraries and tracking scripts are used for analytics and marketing. Overall, the technical infrastructure supports a professional digital experience but requires security and performance optimizations.
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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