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Security report for ferratum.com

Multitude · Finance · Finland

Medium risk. 2 critical or high findings in SSL/TLS and GDPR outside view.

Security score

67/100

Risk levelMedium

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

Multitude is a Nordic-born fintech growth platform operating internationally with a focus on digital financial services. It supports three internal business units specializing in consumer, SME, and wholesale banking. The company aims to be a leading financial ecosystem leveraging two decades of fintech experience. The website is professionally designed, mobile-optimized, and rich in investor relations and ESG content, reflecting a mature digital presence. Technically, the site uses modern JavaScript libraries, Google Tag Manager, and cookie consent mechanisms, indicating good digital maturity. Security posture is strong with HTTPS and tracking opt-in controls, though explicit security policies and incident response contacts are absent. WHOIS data is incomplete, which slightly impacts trust but the overall business credibility remains high. Strategic recommendations include enhancing security transparency and verifying domain registration details.

Scanned

NIS2 and GDPR posture

GDPR outside view
73/ 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

2 findings rated critical or high. Fix these first.

  1. 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

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

  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

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Keep watching ferratum.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.

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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
85
Email security
70
DNS health
75
Network security
100
GDPR outside view
73
Average
67

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

Multitude positions itself as a fintech growth enabler with a diversified business model spanning consumer, SME, and wholesale banking. Its market presence across nearly 20 countries and investor-focused disclosures suggest a medium-sized enterprise with solid growth potential. The company leverages partnerships and internal subsidiaries to deliver financial services and fintech platform capabilities. The website's comprehensive content and investor relations indicate a transparent and professional approach, targeting fintech businesses, investors, and financial consumers. The absence of direct contact emails but presence of contact forms aligns with modern corporate communication practices.

Security posture

The website enforces HTTPS and uses cookie consent banners with opt-in for marketing and performance cookies, demonstrating compliance with privacy regulations. Tracking technologies like Google Analytics, Facebook Pixel, and Hotjar are used responsibly with opt-in controls. However, the lack of published security policies, incident response contacts, and vulnerability disclosure mechanisms represents a compliance gap. No obvious vulnerabilities or exposed sensitive data were detected in the HTML content. Security headers are partially inferred but not explicitly confirmed. Overall, the security posture is good but could be improved by publishing formal security documentation and incident response procedures.

Recommendations

  1. Publish a dedicated security policy and incident response contact information on the website.
  2. Implement and verify security headers such as X-Frame-Options and X-Content-Type-Options explicitly.
  3. Create and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Regularly audit third-party scripts and tracking tools to ensure no vulnerabilities or privacy issues.
  5. Enhance transparency on data retention policies and user privacy practices to strengthen GDPR compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Multitude
Description
Multitude is a Nordic-born, internationally focused provider of digital financial services operating in nearly 20 countries. It has two decades of experience in building and scaling financial technology and aims to become the most valued financial ecosystem. The company operates three internal business units: Ferratum (consumer banking), CapitalBox (SME banking), and Multitude Bank (wholesale banking).
Key services
Consumer banking, SME banking, Wholesale banking, Growth platform services for fintech businesses
Content quality
excellent
Branding
consistent

Technology

Stack
jQuery, jQuery UI, Bootstrap, Slick Slider, Moment.js, Google Tag Manager, Facebook Pixel, Hotjar, Investis Digital Cookie Manager
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML
  • Use of Google Tag Manager and Facebook Pixel with opt-in controls

Analytics and tracking

Services
Google Analytics, Hotjar
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel, Hotjar
Marketing tools
Facebook Pixel, Hotjar, Investis Digital Cookie Manager
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content and professional design
  2. Strong focus on fintech growth platform and financial services
  3. Comprehensive investor relations and ESG reporting
  4. Cookie consent and privacy policy implemented with opt-in controls
  5. No direct contact emails or phone numbers found on homepage; contact via form
  6. Use of multiple third-party analytics and marketing tools with opt-in
  7. No explicit security or incident response policies published
  8. WHOIS data incomplete or unavailable, raising minor trust concerns
Technical notes

Notes

The website uses a modern tech stack including jQuery, Bootstrap, Slick Slider, and Moment.js, supported by Google Tag Manager and Facebook Pixel for analytics and marketing. The CMS appears to be Sitecore, inferred from Investis Sitecore GTM references. The site is mobile-optimized with responsive design and accessibility features. Performance is moderate with multiple external scripts but no major issues detected. The site uses a cookie manager for GDPR compliance. Technical risks include reliance on multiple third-party scripts which require regular security audits. Overall, the infrastructure is solid and supports a professional fintech business presence.
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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