Ransomware operators go after core banking and payment systems for maximum disruption. Double extortion with customer financial data raises the regulatory stakes significantly. At the same time, Open Banking endpoints and payment orchestration APIs attract targeted attacks — authentication bypass, broken object-level authorisation, and logic flaws that enable unauthorised fund movement.
Your platform likely depends on Plaid, Stripe, or a core banking SaaS vendor like Mambu or Thought Machine. A compromise in any of them cascades directly into your environment. BaaS platforms amplify this — multiple brands sharing infrastructure means one breach affects everyone on the stack. Code library vulnerabilities and inadequate vendor oversight compound the exposure.
This goes beyond chatbot prompt injection. Agentic AI systems that execute wire transfers, adjust credit limits, or switch providers autonomously are high-value targets for instruction injection. A compromised agent can bypass human-in-the-loop approvals and act on manipulated instructions. We test the guardrails preventing autonomous financial logic from being tricked.
Faster Payments reduce fraud detection windows to seconds. Authorised push payment scams exploit trust rather than technical flaws. Meanwhile, AI-generated synthetic identities bypass traditional KYC at scale, enabling account farming, document forgery, and biometric spoofing that automated verification systems struggle to catch.
Credential stuffing against banking apps, MFA bypass techniques, and session hijacking remain persistent. Digital wallet account takeover is particularly damaging — super-apps handling identity, loyalty, and payments mean a single credential compromise can expose multiple financial services simultaneously.
Core banking modernisation projects create temporary elevated access that often lingers. Developer credentials during migration, third-party contractor access to BaaS infrastructure, and privileged user monitoring gaps all create vectors that standard tooling misses. The co-existence phase between legacy and cloud systems is when insider risk peaks.
Secure high-velocity payment card data environments
Strong Customer Authentication & TPP standards
Digital operational resilience & TLPT mandates
Digital Identity and Attributes Trust Framework
Meet Operational Resilience & Consumer Duty outcomes
Manage privacy risks in Open Finance ecosystems
Body-certified Cyber Essentials Plus validation
Global information security management standards
Trust service criteria for security & availability
Secure data sharing across pensions & insurance
Secured digital challenger banks including mobile app assessments, smart wallet reviews, and API gateway security. Assessed BaaS platform security for multi-brand banking infrastructure.
Tested high-risk trading platforms, FIX protocol implementations, futures trading applications, and payment gateway infrastructure using CREST accredited methodologies.
Evaluated Connect Direct systems, message queuing services, and critical back-end infrastructure for major UK banks — including security oversight during legacy-to-cloud migration.
Assessed TPP connections, Open Banking integrations, and embedded finance APIs under PSD2 requirements. Reviewed consent management and BaaS API security for Open Finance.
Supported FCA alignment, PCI DSS compliance, DIATF readiness, and Cyber Essentials Plus certification for financial institutions across retail banking, insurtech, and fintech.
End-to-end security oversight for major banking transformation programmes, ensuring cloud-native platforms met security standards during the critical co-existence phase with legacy systems.
Tailored cyber security solutions aligned to the unique threat landscape, regulatory obligations, and data-protection requirements of modern fintech organisations.
Simulate real-world attacks on internal banking networks, payment processing environments, and core financial infrastructure to detect lateral movement risks and secure sensitive transaction systems.
View serviceAssess digital banking platforms, payment gateways, customer onboarding portals, and open-banking APIs for OWASP Top 10 vulnerabilities, logic flaws, and transaction manipulation risks.
View serviceEvaluate AWS, Azure, or hybrid cloud financial environments for misconfigurations that could expose customer financial data, payment records, and proprietary fintech algorithms.
View serviceReview the security posture and data-handling practices of third-party fintech SaaS platforms such as KYC tools, fraud detection systems, lending platforms, and financial analytics solutions.
View serviceAlign your fintech security framework with FCA expectations, PCI DSS, PSD2, ISO 27001, and global data protection regulations such as GDPR and regional financial governance mandates.
View serviceStrengthen baseline cyber resilience and achieve Cyber Essentials or Cyber Essentials Plus certification to build investor trust, enable enterprise partnerships, and support regulated market expansion.
View serviceReduce insider and social-engineering risks through targeted phishing simulations, secure-transaction awareness programs, and dark-web monitoring for leaked fintech employee credentials.
View serviceIdentify vulnerabilities in digital wallet apps, trading platforms, neo-banking applications, and mobile payment solutions to safeguard user accounts and financial transactions.
View serviceSecure collaboration and communication channels to prevent Business Email Compromise (BEC), invoice fraud, and unauthorised access to financial reporting or investor communications.
View service
Most SMBs and mid-market firms have “silent” gaps in their people, process and tech controls implementation. Take the 90-second maturity audit to see your percentile rank.
