Start with the security decision
Establish what a compromised channel or service identity can actually change, where independent controls stop it and which fixes need priority.
Payment integrity needs more than a successful API call. We distinguish a changed draft, an accepted approval and a denied release, and record the controls that remain effective.
A support application can become an entry point to CI credentials and an overprivileged payment identity. A separate signing service may still prevent release. A useful assessment explains each transition instead of turning one vulnerable host into a claim that the entire bank was compromised.
An agreed scope, not an open-ended scan
We define the systems, identities, workflows and interfaces needed to answer the assessment objectives. Written authorisation, third-party permission, test accounts and an agreed data set come before active work. A proposal records exclusions and dependencies as well as inclusions.
- Digital banking & API penetration testing — Test customer, staff and service permissions across the banking application boundary.
- Bank network & privileged identity testing — Connect external entry points to the internal trust paths that matter.
- Payment workflow & authorisation testing — Verify who can draft, change, approve and release a payment.
Questions the test can answer
- Can an external support service expose an internal workload identity?
- Can a payment service change and approve the same seeded transaction?
- Can a supplier identity retain access to recovery management after revocation?
These are examples for scoping, not a claim that every engagement includes every method or system. The final test plan records the permitted actions, expected outcomes and observation needed to support each conclusion.
Operational safeguards are part of the method
Use seeded payments and synthetic customers with settlement disabled. Agree independent stop authority, transaction reconciliation, named system owners and permission for third-party services. Separate demonstrated draft changes from unperformed fund transfers.
Testing can carry risk. Agree who can pause activity, which conditions trigger escalation and how genuine incidents are distinguished from exercise activity. No test is authorised by sending an enquiry through this website.
From findings to verified action
Receive an executive view, a scoped technical record, reproducible findings and a remediation register. Each finding should explain the observed result, the access or operation demonstrated, its limits and a practical acceptance test. Retest scope and timing are agreed in the statement of work.
Inspect the Megabank AG sample or review the deliverables before discussing your requirements.
