Industry · Fintech · Payments · Lending
Penetration testing for fintech, built for bank and regulator reviews.
Fintechs are tested twice: by attackers after the money, and by partner banks and regulators before they will work with you. Sumrite tests for both.
Penetration testing for fintech covers the web apps, mobile apps and APIs that move money and hold financial data, with a focus on access control between customers, transaction and payment logic, authentication and the third-party APIs a fintech depends on. Reports are mapped to what partner banks and regulators ask for: RBI and SEBI in India, SAMA in Saudi Arabia, CBUAE in the UAE and PCI DSS for card data.
What fintech testing focuses on
- One customer reaching another customer’s accounts, statements or KYC documents (IDOR and BOLA)
- Payment, transfer, refund and limit logic that can be skipped, replayed or raced
- Login, OTP and device binding on web and mobile
- Partner, payment gateway and banking APIs
- Secrets and keys inside mobile app builds
Regulators and reviewers fintechs answer to
| Market | Requirement |
|---|---|
| India | RBI directions and SEBI CSCRF; CERT-In audits where named |
| Saudi Arabia | SAMA Cyber Security Framework |
| UAE | CBUAE, DIFC and ADGM expectations |
| Cards, everywhere | PCI DSS requirement 11.4 penetration testing |
| EU | DORA resilience testing |
Frequently asked questions
What should a fintech penetration test cover?
The customer web app, mobile apps and the APIs behind them, with authenticated testing across roles, payment and transaction logic, and third-party integrations.
How often should a fintech run a pentest?
At least once a year and after significant changes; many regulators and partner banks expect that cadence. Fast-shipping teams use continuous testing.
Other industries
Partner bank asking for a pentest?
Send the questionnaire. NDA first, fixed-scope quote.