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Security report for kreditor.se

Klarna Bank AB (publ) · Finance · Finland

Medium risk. 7 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

52/100

Risk levelMedium

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

Klarna Bank AB (publ) operates a sophisticated e-commerce and payment platform targeting Finnish consumers, offering flexible payment options, price comparison, and cashback rewards. The website is professionally designed with excellent content quality and clear navigation, optimized for mobile and desktop users. Technically, it employs modern frameworks such as React and integrates with Contentful CMS, Google Tag Manager, and OneTrust for cookie consent, ensuring a robust digital infrastructure. Security posture is strong with HTTPS enforcement, comprehensive security headers, and no visible vulnerabilities or exposed sensitive data. Privacy compliance is well addressed with clear privacy and cookie policies and GDPR adherence. Overall, the site demonstrates high business credibility and trustworthiness, supported by consistent WHOIS data and legitimate domain registration.

Scanned

NIS2 and GDPR posture

GDPR outside view
15/ 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

7 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

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

  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

  3. 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';…

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  • TLS certificates and expiry
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  • 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
50
Email security
70
DNS health
75
Network security
100
GDPR outside view
15
Average
52

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

Klarna holds a leading position in the European fintech market, focusing on consumer-friendly payment solutions and price comparison services. Its business model leverages partnerships with numerous retailers, offering consumers flexible payment plans and buyer protection. The company targets tech-savvy consumers seeking convenience and financial flexibility. Revenue streams include payment processing fees and value-added services like cashback programs. The ecosystem includes a mobile app and integrations with major e-commerce platforms. Strategic observations highlight Klarna's strong brand presence, comprehensive service offerings, and commitment to privacy and security.

Security posture

The website exhibits a mature security posture with enforced HTTPS, Content Security Policy, and other critical security headers. No exposed credentials or sensitive data were detected in the HTML content. The presence of a cookie consent mechanism and privacy policy indicates compliance with data protection regulations. However, the site lacks publicly disclosed incident response contacts or a vulnerability disclosure policy, which could be improved. Overall, the security culture appears robust, minimizing risks related to data breaches or unauthorized access.

Recommendations

  1. Publish a dedicated security.txt file to facilitate responsible vulnerability disclosure.
  2. Provide clear incident response contact information for security issues.
  3. Regularly audit third-party scripts and dependencies to avoid vulnerabilities.
  4. Enhance transparency on data retention policies related to analytics and tracking.
  5. Continue monitoring and updating security headers and privacy compliance measures.

Contact details published on the site

Addresses
Legal name
Klarna Bank AB (publ)
Registration number
556737-0431
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Klarna Bank AB (publ)
Description
Klarna offers a price comparison and flexible payment services in Finland, allowing consumers to shop safely and choose payment options such as immediate payment, payment after 30 days, or installment plans.
Key services
Flexible payment options, Price comparison, Cashback rewards, Buyer protection
Content quality
excellent
Branding
consistent

Technology

Stack
React, JavaScript, CSS, Contentful CMS, Google Tag Manager, OneTrust Cookie Consent
Frameworks
React
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • CSP implemented
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Secure forms with proper input types

Analytics and tracking

Services
Google Analytics, FullStory
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads, DoubleClick
Tracking pixels
FullStory
Marketing tools
OneTrust Cookie Consent
Transparency
good

Site quality

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

Key observations

  1. Website is a professionally designed e-commerce and payment service platform.
  2. Strong focus on privacy and cookie consent compliance.
  3. Extensive use of modern web technologies and frameworks.
  4. Clear business information and legal documentation present.
  5. No signs of blocking or WAF interference detected.
Technical notes

Notes

The website is built on a modern React-based frontend with Contentful CMS for content management. It uses Google Tag Manager and OneTrust for analytics and cookie consent management. The site is well-optimized for performance and mobile responsiveness, with preloading of fonts and critical assets. The technical infrastructure supports a seamless user experience with fast loading times and accessibility features. There is no indication of legacy or vulnerable libraries. Hosting details are not explicitly disclosed but appear to be professionally managed. Opportunities exist to further enhance technical SEO and 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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