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Financial Sector

Deep expertise in payment systems, banking infrastructure, and financial technology security — built over two decades protecting major financial institutions worldwide.

80%
SECTOR FOCUS

Financial Sector Focus

Over 80% of Berghem's historical work has been dedicated to the financial sector, giving us unmatched depth in payment security, banking infrastructure, and fintech protection.

Specialized Services

Payment Analysis

Comprehensive analysis of payment processing systems including tokenization, encryption, and transaction flow security.

payments · authorization flowPCI-DSS
PAYMENTS · AUTHORIZATIONISO 8583POSAcquirerNetworkIssuerHolderISO 8583 · 0100 AUTH REQUEST+247msDE2 PAN4111********1111DE4 AMOUNTUSD 142.50DE39 RESPONSE00 · APPROVEDTESTED · 3DS · TOKENIZATION · HSM · CRYPTOGRAMauthorization · clearing · settlement · chargeback

EMV Testing

Security assessment of EMV chip implementations, contactless payment systems, and card-present transaction security.

emv chip · cryptogram testsCHIP & PIN
EMV CHIP · CRYPTOGRAM3DES · AES4111 **** **** 1111EXP 12/27EMVARQC VERIFICATIONCDOL1✓ validARQC HMAC✓ matchATC counter✓ +1CVN/CVR! issuer authSDA fallback✗ blockedreplayblockedskimblockedrelaypartialpreplayblockedSDA · DDA · CDA · contact + contactless · L1/L2/L3

POS Security

Point-of-sale terminal security testing, firmware analysis, and physical security assessment of payment devices.

pos security · tamper + skimP2PE
POS · TAMPER + SKIMPCI-PTS$ 142.50approve · canceltamper meshhot trace · drillingoverlay skimmervisual + impedancePIN shieldcamera angleRF emanationside-channelPCI-PTS v6 · physical & logical9/12 PASSattended + unattended · contactless · pin-on-glass

ATM Security

ATM hardware and software security testing, jackpotting prevention, skimmer detection, and network security assessment.

atm · black-box & jackpot testsXFS
ATM · BLACK-BOX · JACKPOTXFS · CDMSELECT AMOUNT$ 20 · 50 · 100card slotCASH DISPENSERblack-boxUSB · XFS dispensejackpotfw patch · empty $$$networkMitM card-datalogicalOS lock · whitelistCEN/XFS · NDC/DDC · NCR · Diebold · GRGBanking

Anti-Fraud Systems

Fraud detection system assessment and testing, transaction monitoring rules, and behavioral analysis platform evaluation.

fraud engine · rules + mlREAL-TIME
FRAUD ENGINE · RULES + MLREAL-TIMERULESamount · velocitygeo · MCCML SCOREgradient boost0.87DECLINEcode 59 ·fraudLIVE FEED · TX/SEC1,247 tx/s✓ APPROVE$42.10 · MCC 5411 · BR0.04! REVIEW$1,890 · MCC 5944 · 03h0.62✗ DECLINE$5,200 · GEO mismatch0.94card-not-present · account-takeover · synthetic-id

Electronic Voting Audit

Security audit of electronic voting systems, ballot processing, result tabulation, and end-to-end verifiability.

e-voting · integrity auditTSE
E-VOTING · INTEGRITY AUDITEND-TO-ENDcastencryptmix-nettallyverifyPROOFS · ZK + HASH CHAINballot proofschnorrreceiptBB-encodedmix-netplaintext eqtallythreshold decauditRLA risk-limit!privacy + integrity + verifiability · TPS · helios

Financial Compliance Expertise

PCI-DSSPCI PINPCI P2PEPA-DSSPCI MPoCSWIFT CSPBACENCMN 4893Open Finance

Protect Your Financial Infrastructure

From payment terminals to core banking systems, we protect the systems that move money.

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