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Security testing built for PCI DSS 4.0 and the regulators who come next

Financial services faces nation-state threats at the highest rate of any sector, yet ranks in the middle of the pack on remediation speed. That gap is the risk.

PCI DSS, SOC 2, ISO 27001, EU CRA Certified

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PROVEN RESULTS

Leader

GigaOm Radar Report for PTaaS

#1

G2 Penetration Testing Tools

24 hrs

to Pentest launch

500+

Expert pentesters

The compliance bar just got higher. Your pentest cadence needs to match.

PCI DSS 4.0 doesn't care that you tested last year
Req 11.3 requires continuous, targeted risk analysis. Regulators want proof of ongoing control, not an annual report.
Cobalt Advantage
Audit-ready reports mapped to PCI DSS, SOC 2, ISO 27001, and EU CRA. No manual reformatting, every engagement.
High-risk findings sit open for 50 days on average
The average high-risk finding in FinTech services sits open for 50 days. Nation-state actors are targeting this sector more than any other. That's not a compliance problem. It's an exposure window.
Cobalt Advantage
Findings go directly to Jira on discovery. Free retesting with a seven-day SLA. No PDF-to-ticket translation layer.
AI models and payment APIs are outpacing your pentest coverage
AI/LLM assets carry high-risk vulnerabilities at 2.7x the rate of traditional software. Annual pentests weren't built for this surface.
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Cobalt Advantage
Cobalt Core pentesters with AI/LLM and payment API expertise test the assets your annual program isn't built to cover. CREST-certified, available on demand.

What you get

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Launch in 24 hours
No six-week lead time. Active testing starts the next day.
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Findings in your workflow
Direct to Jira, GitHub, or ServiceNow on discovery.
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Compliance-ready output
PCI DSS 4.0, SOC 2, ISO 27001, EU CRA. No reformatting.
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Free retesting, 7-day SLA
Every fix validated. No separate engagement required.
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CREST-certified expertise
500+ pentesters with an average of 11 years experience plus a 5% acceptance rate.
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Continuous cadence
Continuous coverage, not annual snapshots. The model that closes critical findings 4.5x faster.

How FinTech cybersecurity services help close the gap between compliance and security

Financial services faces nation-state threats at the highest rate of any industry. Its remediation speed doesn't match that exposure.
The 2026 Cobalt State of Pentesting Report benchmarks a 50-day high-risk finding half-life for FinServ, above the 45-day cross-industry median. Organizations running programmatic security programs close critical findings 4.5x faster.
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RESOURCES

The latest thinking in financial services offensive security

Data Sheet
PCI DSS Compliance

What Req 11.3 actually requires and how continuous testing satisfies it.

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Blog
The Hidden Cost of Delay: Why Financial Services is Accruing a Dangerous Security Debt

Financial services finds fewer critical vulnerabilities than most sectors and takes longer to remediate them. Unpack the operational friction and what security leaders can do about it.

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Analyst Report
ROI of Pentesting as a Service

PTaaS delivers 96% higher ROI than traditional pentesting, with 62% fewer management hours and 78% faster triage.

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See what your pentest program looks like with Cobalt.

Cobalt offers FinTech cybersecurity services that enable organizations to launch their first pentest in 24 hours and see high-risk findings in the first week.

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