Financial & Insurance
ATM Network Penetration Testing & Risk Mitigation
Our Client’s Backstory
Our client is a European financial institution serving a retail base of over 100 million clients. Known for its digital innovation, the bank introduced “cardless” ATM features, allowing users to withdraw funds via mobile applications without a physical card or PIN. Recognizing that these features create new attack vectors, the bank’s leadership engaged Klika to conduct a penetration testing exercise to fortify their ATM network and protect against financial fraud.
The Challenges
Evaluating the security of a distributed ATM network required navigating architectural interdependencies and operational constraints. Key challenges included:
Evolving Attack Vectors: Assessing the vulnerability of “PIN-less” and “card-less” withdrawal features that bypass physical security layers.
Operational Continuity: Performing security testing without disrupting the bank’s daily global operations or interfering with customer transactions.
Network Segmentation: Ensuring the ATM infrastructure was isolated from the bank’s core network to prevent lateral movement during simulated attacks.
Third-Party Risk Management: Identifying security gaps introduced by external technology vendors and integrated third-party hardware components.
Methodological Precision: Architecting a testing strategy that complies with international financial regulations and cybersecurity standards.
The Solution
Klika was hired as a security consultant to lead the end-to-end penetration testing and risk assessment process. Our solution included:
OWASP-Based Audit Framework
Executed a security audit targeting the "OWASP Top 10" vulnerabilities, adhering to global financial industry guidelines.
Simulated Cyberattack Orchestration
Developed and deployed custom attack scripts to probe the ATM-to-server communication layer for authentication weaknesses.
Vulnerability Identification & Mapping
Performed a risk analysis, identifying high-severity vulnerabilities across code, architecture, and network configurations.
Remediation Strategy Development
Provided an actionable roadmap for mitigating threats, including the implementation of server-side OAUTH checks and Transport Layer Security (TLS) hardening.
API Security Hardening
Recommended the transition to enhanced HTTPS protocols for communications with external APIs and third-party service providers.
Continuous Monitoring & Alerting
Established an alert system to detect and flag suspicious activities across the ATM network during and after the testing phase.
The Solution
Klika was hired as a security consultant to lead the end-to-end penetration testing and risk assessment process. Our solution included:
OWASP-Based Audit Framework
Executed a security audit targeting the "OWASP Top 10" vulnerabilities, adhering to global financial industry guidelines.
Simulated Cyberattack Orchestration
Developed and deployed custom attack scripts to probe the ATM-to-server communication layer for authentication weaknesses.
Vulnerability Identification & Mapping
Performed a risk analysis, identifying high-severity vulnerabilities across code, architecture, and network configurations.
Remediation Strategy Development
Provided an actionable roadmap for mitigating threats, including the implementation of server-side OAUTH checks and Transport Layer Security (TLS) hardening.
API Security Hardening
Recommended the transition to enhanced HTTPS protocols for communications with external APIs and third-party service providers.
Continuous Monitoring & Alerting
Established an alert system to detect and flag suspicious activities across the ATM network during and after the testing phase.
The Solution
Klika was hired as a security consultant to lead the end-to-end penetration testing and risk assessment process. Our solution included:
OWASP-Based Audit Framework
Executed a security audit targeting the "OWASP Top 10" vulnerabilities, adhering to global financial industry guidelines.
Simulated Cyberattack Orchestration
Developed and deployed custom attack scripts to probe the ATM-to-server communication layer for authentication weaknesses.
Vulnerability Identification & Mapping
Performed a risk analysis, identifying high-severity vulnerabilities across code, architecture, and network configurations.
Remediation Strategy Development
Provided an actionable roadmap for mitigating threats, including the implementation of server-side OAUTH checks and Transport Layer Security (TLS) hardening.
API Security Hardening
Recommended the transition to enhanced HTTPS protocols for communications with external APIs and third-party service providers.
Continuous Monitoring & Alerting
Established an alert system to detect and flag suspicious activities across the ATM network during and after the testing phase.
The Solution
Klika was hired as a security consultant to lead the end-to-end penetration testing and risk assessment process. Our solution included:
OWASP-Based Audit Framework
Executed a security audit targeting the "OWASP Top 10" vulnerabilities, adhering to global financial industry guidelines.
Simulated Cyberattack Orchestration
Developed and deployed custom attack scripts to probe the ATM-to-server communication layer for authentication weaknesses.
Vulnerability Identification & Mapping
Performed a risk analysis, identifying high-severity vulnerabilities across code, architecture, and network configurations.
Remediation Strategy Development
Provided an actionable roadmap for mitigating threats, including the implementation of server-side OAUTH checks and Transport Layer Security (TLS) hardening.
API Security Hardening
Recommended the transition to enhanced HTTPS protocols for communications with external APIs and third-party service providers.
Continuous Monitoring & Alerting
Established an alert system to detect and flag suspicious activities across the ATM network during and after the testing phase.
The Solution
Klika was hired as a security consultant to lead the end-to-end penetration testing and risk assessment process. Our solution included:
OWASP-Based Audit Framework
Executed a security audit targeting the "OWASP Top 10" vulnerabilities, adhering to global financial industry guidelines.
Simulated Cyberattack Orchestration
Developed and deployed custom attack scripts to probe the ATM-to-server communication layer for authentication weaknesses.
Vulnerability Identification & Mapping
Performed a risk analysis, identifying high-severity vulnerabilities across code, architecture, and network configurations.
Remediation Strategy Development
Provided an actionable roadmap for mitigating threats, including the implementation of server-side OAUTH checks and Transport Layer Security (TLS) hardening.
API Security Hardening
Recommended the transition to enhanced HTTPS protocols for communications with external APIs and third-party service providers.
Continuous Monitoring & Alerting
Established an alert system to detect and flag suspicious activities across the ATM network during and after the testing phase.
The Result
The penetration testing exercise resulted in a fortification of the bank's digital defenses, protecting both institutional assets and customer data.
Secured 100M+ Retail Clients
Successfully identified and remediated entry points that could have exposed millions of users to financial embezzlement.
Remediation of High-Severity Threats
Addressed critical vulnerabilities in the cardless withdrawal flow, preventing potential ATM network breaches.
Enhanced Institutional Trust
Reaffirmed the bank's reputation as a secure financial service provider through proactive risk mitigation.
Optimized Security Posture
Provided the bank's internal security teams with a data-driven benchmark for future cybersecurity investments.
Zero-Disruption Testing Execution
Completed the audit and remediation phase with no impact on the bank's 24/7 global service availability.
The Result
The penetration testing exercise resulted in a fortification of the bank's digital defenses, protecting both institutional assets and customer data.
Secured 100M+ Retail Clients
Successfully identified and remediated entry points that could have exposed millions of users to financial embezzlement.
Remediation of High-Severity Threats
Addressed critical vulnerabilities in the cardless withdrawal flow, preventing potential ATM network breaches.
Enhanced Institutional Trust
Reaffirmed the bank's reputation as a secure financial service provider through proactive risk mitigation.
Optimized Security Posture
Provided the bank's internal security teams with a data-driven benchmark for future cybersecurity investments.
Zero-Disruption Testing Execution
Completed the audit and remediation phase with no impact on the bank's 24/7 global service availability.
The Result
The penetration testing exercise resulted in a fortification of the bank's digital defenses, protecting both institutional assets and customer data.
Secured 100M+ Retail Clients
Successfully identified and remediated entry points that could have exposed millions of users to financial embezzlement.
Remediation of High-Severity Threats
Addressed critical vulnerabilities in the cardless withdrawal flow, preventing potential ATM network breaches.
Enhanced Institutional Trust
Reaffirmed the bank's reputation as a secure financial service provider through proactive risk mitigation.
Optimized Security Posture
Provided the bank's internal security teams with a data-driven benchmark for future cybersecurity investments.
Zero-Disruption Testing Execution
Completed the audit and remediation phase with no impact on the bank's 24/7 global service availability.
The Result
The penetration testing exercise resulted in a fortification of the bank's digital defenses, protecting both institutional assets and customer data.
Secured 100M+ Retail Clients
Successfully identified and remediated entry points that could have exposed millions of users to financial embezzlement.
Remediation of High-Severity Threats
Addressed critical vulnerabilities in the cardless withdrawal flow, preventing potential ATM network breaches.
Enhanced Institutional Trust
Reaffirmed the bank's reputation as a secure financial service provider through proactive risk mitigation.
Optimized Security Posture
Provided the bank's internal security teams with a data-driven benchmark for future cybersecurity investments.
Zero-Disruption Testing Execution
Completed the audit and remediation phase with no impact on the bank's 24/7 global service availability.
The Result
The penetration testing exercise resulted in a fortification of the bank's digital defenses, protecting both institutional assets and customer data.
Secured 100M+ Retail Clients
Successfully identified and remediated entry points that could have exposed millions of users to financial embezzlement.
Remediation of High-Severity Threats
Addressed critical vulnerabilities in the cardless withdrawal flow, preventing potential ATM network breaches.
Enhanced Institutional Trust
Reaffirmed the bank's reputation as a secure financial service provider through proactive risk mitigation.
Optimized Security Posture
Provided the bank's internal security teams with a data-driven benchmark for future cybersecurity investments.
Zero-Disruption Testing Execution
Completed the audit and remediation phase with no impact on the bank's 24/7 global service availability.
Technology Stack
OWASP Guidelines
OAUTH 2.0
TLS 1.3
HTTPS
Penetration Testing Scripts
Technology Stack
OWASP Guidelines
OAUTH 2.0
TLS 1.3
HTTPS
Penetration Testing Scripts
Technology Stack
OWASP Guidelines
OAUTH 2.0
TLS 1.3
HTTPS
Penetration Testing Scripts
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Certifications & Awards
27001
© 2026 Klika LLC
Techtonic Newsletter
Subscribe to our newsletter to keep up with the latest news from the world of technology and AI.
Certifications & Awards
27001
© 2026 Klika LLC
Techtonic Newsletter
Subscribe to our newsletter to keep up with the latest news from the world of technology and AI.
Certifications & Awards
27001
© 2026 Klika LLC
Techtonic Newsletter
Subscribe to our newsletter to keep up with the latest news from the world of technology and AI.
Certifications & Awards
27001
© 2026 Klika LLC