API and open banking
Authentication, authorization, financial data exposure and integrations with partner institutions.
Penetration testing for fintechs
Fintechs concentrate money, personal data and regulatory pressure in a single environment.
Penetration testing for fintechs covering APIs, mobile apps and infrastructure, aligned to financial regulators, data protection law and, where applicable, PCI DSS.
Regulators and data protection API, mobile and infrastructure PCI DSS where applicable
When this matters
A fintech's risk profile is different from an ordinary SaaS.
On top of pressure from financial regulators and data protection law, fintechs concentrate financial transactions, sensitive data and integrations with other institutions — which makes them at once a high-value target for attackers and a high-scrutiny case for technical evidence in front of regulators, partners and investors.
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Account opening and onboarding
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Open banking and partner integrations
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Regulator and auditor requirements
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Ahead of funding rounds or partnerships
Relevant test types
What typically makes up a fintech scope.
The mix depends on the architecture, the channels offered to end customers and the regulatory integrations in place.
Mobile app
Local storage, backend communication and protection against reverse engineering in payment or digital account apps.
Infrastructure and cloud
External exposure, cloud configuration and separation between production and staging environments.
Financial business rules
Limits, transfers, KYC, approvals and flows that can be abused outside the expected sequence.
Inside the delivery
See how this work takes shape.
From technical alignment to delivery, the work has to leave context, evidence and next steps visible to everyone involved.
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Process
An assessment that accounts for the regulatory context.
The scope is designed to produce evidence useful to engineering as well as to compliance and audit.
Scope and rules of engagement
We document assets, access, limits, execution window and owners before any activity starts.
Guided assessment
Vorvex specialists carry out the work, with Apex supporting reconnaissance, correlation and evidence handling.
Validation and prioritization
Findings are analyzed for exploitability, technical impact and consequence for the business.
Report and retest
We deliver reproducible evidence and recommendations and, when contracted, validate the fixes you applied.
Deliverables
A result that serves both operations and regulation.
The delivery connects technical risk to the information security requirements partners, investors and regulators routinely ask about.
Evidence for regulators and partners
The report and documented scope support the security demonstrations required by regulators, partners and due diligence processes.
Confidence to scale
Validation of API, mobile and infrastructure ahead of larger integrations or customer base expansion.
Remediation prioritized by financial impact
Findings placed in context of the data, amounts and transactional flows affected.
Frequently asked questions
Straight answers to help you plan the assessment.
If your question isn't here, talk to the team directly.
Ask on WhatsAppDoes penetration testing satisfy financial regulator requirements?+
Regulators rarely name a single tool, but they do expect institutions to demonstrate risk management and information security. Penetration testing is a recognized way to produce that technical evidence.
Do fintechs need PCI DSS certification?+
It depends on the business model and how card data is processed. Where applicable, the penetration testing scope can be aligned to the testing requirements PCI DSS sets out.
Does the test cover open banking integrations?+
Yes. When the fintech takes part in the ecosystem, we assess authentication, consent and data exposure in the related integrations.
Do early-stage startups buy penetration testing too?+
Yes. It is common to start with a smaller scope and widen coverage as the fintech grows, raises investment or signs larger contracts.
Next step
Does your fintech need technical evidence of security?
Tell us the channels you offer (API, app, web), the integrations that matter and the requirement driving the assessment.