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Security report for ethicalbanking.it

Raiffeisenkasse Bozen / Ethical Banking · Finance · Italy

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

Security score

69/100

Risk levelMedium

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

Ethical Banking, a division of Raiffeisenkasse Bozen and its partner Raiffeisen banks in South Tyrol, offers ethical and sustainable banking products focused on social and environmental impact. The website demonstrates a strong market position in ethical finance with multiple sustainability awards and community engagement projects. Technically, the site uses modern frameworks like Bootstrap and jQuery, integrates privacy-respecting analytics (Matomo), and implements a comprehensive cookie consent mechanism. Security posture is good with HTTPS and no visible vulnerabilities, though some security headers could be improved. Overall, the site is professional, trustworthy, and compliant with GDPR, serving a medium-sized regional financial institution with a clear ethical mission.

Scanned

NIS2 and GDPR posture

GDPR outside view
80/ 100 · Low
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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • 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 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 ethicalbanking.it

This scan found 24 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

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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
62
Security headers
40
Email security
70
DNS health
60
Network security
100
GDPR outside view
80
Average
69

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention ethicalbanking.it, from OffSeq Breach.

No leaked records found

Breach holds no records for ethicalbanking.it right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

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

Business context

Business profile

The company targets socially conscious savers and investors interested in eco-social projects, offering savings and fixed-term deposit products that finance local and sustainable initiatives. The business model emphasizes transparency and social impact over high financial returns, positioning Ethical Banking as a niche but reputable player in the regional banking sector. The partnership ecosystem includes Raiffeisenkasse Bozen and other local credit unions, with strong community ties and recognized certifications enhancing credibility. Growth indicators include repeated sustainability awards and active community projects.

Security posture

The website maintains a good security posture with enforced HTTPS, cookie consent compliance, and use of privacy-friendly analytics. No critical vulnerabilities or exposed sensitive data were detected. However, the absence of explicit security headers like Content-Security-Policy and lack of a published incident response policy or security.txt file indicate room for improvement. The site does not expose contact channels for security incidents, which could be enhanced to improve incident response readiness and transparency.

Recommendations

  1. Implement and enforce security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  2. Publish a security.txt file to facilitate vulnerability disclosures and improve transparency.
  3. Add explicit incident response policy and contact channels (e.g., security@ or abuse@ emails).
  4. Enhance accessibility features to meet higher compliance standards.
  5. Regularly audit third-party scripts and dependencies for vulnerabilities and update them promptly.

Contact details published on the site

Addresses
Legal name
Raiffeisenkasse Bozen
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Raiffeisenkasse Bozen / Ethical Banking
Description
Ethical Banking is a business field of Raiffeisenkasse Bozen and partner Raiffeisen banks in South Tyrol, focusing on solidarity, self-responsibility, and financing eco-social projects with transparency and social impact.
Key services
Savings accounts, Fixed-term deposits, Eco-social financing projects, Community and environmental initiatives
Content quality
excellent
Branding
consistent

Technology

Stack
Bootstrap 4.3.1, jQuery 3.4.1, Font Awesome 4.3.0, Lightcase, Lightslider, Matomo Analytics, Iubenda Cookie Solution
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner with granular controls
  • No exposed sensitive data in HTML
  • Use of Matomo for privacy-respecting analytics

Analytics and tracking

Services
Matomo
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Matomo
Marketing tools
Iubenda Cookie Consent
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content about ethical banking and sustainability.
  2. Strong emphasis on social and environmental responsibility in banking products.
  3. Multiple awards and recognitions enhance trust and credibility.
  4. Use of modern web technologies and privacy-respecting analytics.
  5. Cookie consent mechanism is implemented with granular controls.
  6. No visible security or privacy policy gaps, but some improvements possible in security headers and incident response transparency.
Technical notes

Notes

The website uses a modern and stable technology stack including Bootstrap 4.3.1, jQuery 3.4.1, Font Awesome, and custom scripts for UI components like lightbox and sliders. Analytics are handled via Matomo, which respects privacy better than many alternatives. The site is mobile-optimized and performs moderately well, though no explicit performance metrics are available. The CMS is not identified, suggesting a custom or less common platform. Hosting details are not disclosed. The site could benefit from improved SEO metadata and enhanced accessibility compliance.
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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