Defending the backbone
of the global
financial system.
Banks are the most targeted sector in cybercrime — from account takeover and wire fraud to nation-state infrastructure attacks. Spakto delivers layered defence across core banking, digital channels, and third-party integrations.
Higher attack frequency vs other sectors
Average cost of a banking data breach
Of breaches involve credential abuse
Average dwell time before detection
The adversary reality
for Banking.
Understanding who is targeting your sector — and how — is the foundation of an effective security programme. These are the primary threat actors, campaigns, and techniques recorded against banking organisations in the last 12 months.
Account Takeover & Credential Stuffing
Business Email Compromise & Wire Fraud
Core Banking API Exploitation
Insider Threat & Privileged Access Abuse
Higher attack frequency vs other sectors
Average cost of a banking data breach
Of breaches involve credential abuse
Average dwell time before detection
Security pressures unique
to banking.
Every security challenge in banking has specific context, specific consequences, and specific adversaries. Generic security programmes don't address them.
Open Banking API Attack Surface
PSD2 and open banking mandates expose core account APIs to thousands of third-party integrators, each representing a potential breach vector into customer funds and data.
Legacy Core Banking Infrastructure
Decades-old COBOL systems and mainframes run alongside modern digital channels, creating integration gaps that attackers exploit with specialised techniques.
Real-Time Payment Fraud
Faster payment rails (UPI, Faster Payments, RTP) give fraud detection engines milliseconds to act — legacy rule engines fail to catch AI-generated synthetic fraud patterns.
Third-Party & Supply Chain Risk
Core banking, card processing, and KYC platforms depend on a dense ecosystem of third-party vendors, any of whom may introduce a critical vulnerability.
Privileged Access to Customer Funds
Operations and IT staff with privileged access to transaction systems represent a persistent insider threat vector with catastrophic financial exposure.
Purpose-built solutions
for banking.
Each service is calibrated to the specific threat actors, regulatory environment, and operational constraints of your sector — not repurposed from a generic programme.
Red-team core banking & payment rails end-to-end
- SWIFT interface and correspondent banking network penetration testing
- Open banking API red-team exercises simulating TPP compromise
- ATM and branch network security validation
- TIBER-EU / CBEST threat-intelligence-led red team engagements
Zero-trust privileged access across core systems
- PAM controls for core banking platform administrators
- Step-up authentication for high-value transaction authorisation
- Continuous monitoring of service account behaviour in COBOL environments
- Session recording and anomaly detection for treasury workstations
24/7 SOC with financial-sector threat intelligence
- Real-time detection of account takeover patterns across digital banking
- SWIFT payment anomaly monitoring and alerting
- Integration with FSISAC and banking sector threat feeds
- Automated fraud signal correlation across channels
Frameworks
we align to.
We don't just advise on compliance — we build security programmes that satisfy regulatory requirements as a by-product of genuine security posture improvement.
Payment Card Industry Data Security Standard
Mandatory controls for all entities that store, process, or transmit cardholder data — covering network segmentation, encryption, and access control.
Digital Operational Resilience Act (EU)
EU regulation requiring financial entities to manage ICT risk, conduct TLPT testing, and report major ICT incidents within strict timeframes.
Basel Committee Risk Data Aggregation
Principles for effective risk data governance and reporting, with data integrity and security controls as foundational requirements.
SWIFT Customer Security Programme
Mandatory and advisory security controls for all SWIFT network participants, enforced through annual attestation.
Measurable results across
banking engagements.
Account takeover attempts blocked
Behavioural analytics layered over digital banking login flows detect credential stuffing and session hijacking in real time, blocking attacks before account compromise.
SWIFT anomaly alert to SOC
Automated monitoring of SWIFT MT message patterns detects unusual correspondent instructions and routes alerts to the SOC within minutes of transmission.
Red team certification achieved
Full TIBER-EU threat-intelligence-led red team engagement completed across retail and investment banking divisions, with all critical findings remediated.
Secure your banking
operations today.
Our security team will map your adversary threat profile, identify the highest-risk attack paths specific to banking, and design a programme aligned to your operational constraints and regulatory requirements.