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Security report for resursbank.fi

Resurs Bank AB (publ) Suomen sivuliike · Finance · Finland

Medium risk. 5 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

75/100

Risk levelMedium

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

Resurs Bank AB (publ) Suomen sivuliike operates as a financial services provider in Finland, offering consumer loans, loan consolidation, credit cards, and payment solutions for businesses. The company targets both private individuals and corporate customers, positioning itself as a trusted and established player in the Finnish financial market. The website reflects a professional and user-friendly digital presence, supporting the business model with clear service offerings and customer engagement tools. Technically, the site leverages modern web technologies including React, Google Tag Manager, and reCAPTCHA, ensuring a secure and performant user experience. Security posture is strong with HTTPS enforcement, security headers, and no visible vulnerabilities, although explicit incident response and vulnerability disclosure policies are not publicly detailed. Overall, the website demonstrates good compliance with privacy regulations, including GDPR, and provides comprehensive contact and policy information. Strategic recommendations include enhancing transparency around security incident handling and data protection officer contacts to further build trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
55/ 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

5 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

    • 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

  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.

    • 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
    • High

      SSL Certificate Expires Soon

      SSL certificate expires in 26 days

      What to do: Renew SSL certificate before expiration

      • NIS2 21(2)(h)
      • IR 2024/2690 9.2(c): Implementing Regulation (EU) 2024/2690, Annex point 9.2(c): Cryptography
      • NIST SC-17: NIST SP 800-53 Rev. 5 SC-17: Public Key Infrastructure Certificates

  3. DNS health

    DNS sends visitors and email to the right servers. Misconfigured records can cause outages or let someone redirect your traffic.

    • High

      Potential Subdomain Takeover

      Subdomain dev.resursbank.fi points to unregistered service rsb-shared-public-1576811254.eu-west-1.elb.amazonaws.com

      What to do: Remove or fix CNAME record to prevent subdomain takeover

      • WSTG-CONF-10
      • NIS2 21(2)(i)
      • IR 2024/2690 12.4: Implementing Regulation (EU) 2024/2690, Annex point 12.4: Asset inventory
      • NIST CM-8: NIST SP 800-53 Rev. 5 CM-8: System Component Inventory

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

Keep watching resursbank.fi

This scan found 16 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

€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
62
Security headers
80
Email security
87
DNS health
65
Network security
100
GDPR outside view
55
Average
75

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 resursbank.fi, from OffSeq Breach.

No leaked records found

Breach holds no records for resursbank.fi 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

Resurs Bank's market positioning is that of a large financial institution focused on consumer and business financing in Finland. Its competitive advantages include a broad product portfolio, digital service accessibility, and clear communication of policies and contact channels. The business model revolves around lending, credit card issuance, and payment facilitation, generating revenue through interest, fees, and service charges. The target customer segments include private consumers needing personal loans and businesses requiring payment and factoring solutions. Growth indicators include active digital engagement and partnerships, such as the integration of AI chatbots and mobile app offerings. The partnership ecosystem includes career portals and payment technology providers, supporting operational efficiency and customer service excellence.

Security posture

The website exhibits a mature security posture with enforced HTTPS, comprehensive security headers, and integration of Google reCAPTCHA v3 to mitigate automated abuse. No exposed sensitive data or vulnerable libraries were detected in the HTML content. Privacy policies and cookie consent mechanisms align with GDPR requirements, indicating a strong compliance culture. However, the absence of publicly available incident response or vulnerability disclosure policies suggests room for improvement in transparency and readiness communication. The security culture appears proactive but could benefit from explicit certifications or framework adherence disclosures. Overall, the security risks are low, but continuous monitoring and policy enhancements are recommended.

Recommendations

  1. Publish a dedicated incident response and vulnerability disclosure policy page to enhance transparency and trust.
  2. Provide clear contact information for the Data Protection Officer to comply fully with GDPR transparency requirements.
  3. Regularly review and update third-party scripts and dependencies to mitigate potential vulnerabilities.
  4. Consider obtaining and displaying recognized security certifications (e.g., ISO 27001) to strengthen trust signals.
  5. Enhance user education on security best practices via the website or app to foster a security-aware customer base.

Contact details published on the site

Addresses
Legal name
Resurs Bank AB (publ) Suomen sivuliike
Registration number
2110471-4
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Resurs Bank AB (publ) Suomen sivuliike
Description
Resurs haluaa auttaa sinua arjen raha-asioiden tasapainottamisessa. Ja kun tarvitset maksuratkaisuja, factoringpalveluja tai rahoitusta yrityksellesi, olemme täällä sinua varten. Tervetuloa!
Key services
Consumer loans, Loan consolidation, Credit cards, Payment solutions for businesses, Factoring services
Content quality
good
Branding
consistent

Technology

Stack
React, Google Tag Manager, Google reCAPTCHA v3, Humany AI Chatbot
Frameworks
React
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Google reCAPTCHA v3
  • No exposed sensitive data in HTML
  • Security headers present

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Content is comprehensive and relevant to financial services.
  3. Strong privacy and cookie policies with consent mechanisms.
  4. Use of modern technologies and security best practices.
  5. Clear contact information and multiple customer support channels.
  6. No signs of malicious or suspicious content.
  7. Good integration of marketing and analytics tools with privacy considerations.
Technical notes

Notes

The website is built using modern web technologies, primarily React, ensuring a responsive and interactive user experience. Integration with Google Tag Manager and Google reCAPTCHA v3 supports analytics and security needs. The site is mobile-optimized with good accessibility features, including skip links and ARIA attributes. Performance is moderate, with efficient use of images and asynchronous script loading. The CMS appears custom or proprietary, with no common open-source CMS detected. Hosting details are not explicit but the presence of AWS S3 buckets for images suggests cloud hosting infrastructure. SEO is well addressed with meta tags, Open Graph data, and canonical URLs. Overall, the technical infrastructure supports business goals effectively with opportunities for further optimization and transparency.
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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