# Security & Privacy Scorecard

## com.commbank.netbank

## What This Means for You

App usage and behaviour are monitored for fraud detection using behavioural biometrics. Analytics tools collect data on how users interact with the app, shared with Adobe and Splunk. Third-party data sharing is minimal, and users retain reasonable control over their information.

## Recommendation: Trustworthy

**Best For:** CommBank customers wanting mobile banking

## Key Findings

**Data Security** - 6 findings (2 medium, 3 low, 1 info)

**Network Security** - 5 findings (2 medium, 2 low, 1 info)

**Code Safety** - 0 findings

**Privacy** - 3 findings (1 medium, 1 low, 1 info)

## Privacy Concerns

### What Data is Collected

- Behavioural patterns and interaction data collected for fraud detection
- Biometric data used for authentication and identity verification
- Crash reports and app usage events
- Device identifiers for push notifications
- Document and identity scan data during verification flows

### Third-Party Data Sharing

Data is shared with a limited number of third-party services:

- **BioCatch** - receives behavioural interaction data for fraud detection
- **Adobe Analytics** - receives app usage and interaction data
- **Splunk MINT** - receives crash reports and performance event data
- **Firebase FCM** - receives device identifiers for push notifications
- **Daon / ID R&D** - receives biometric data during authentication flows

## Understanding the Scores

| Category | Score |
|---|---|
| Security | 85/100 |
| Privacy | 87/100 |
| Data Security | 65/100 |
| Network Security | 83/100 |
| Code Safety | 85/100 |
| Data Collection | 83/100 |
| Data Sharing | 92/100 |
| User Control | 83/100 |

## Positive Security Features

- Biometric authentication built on FIDO2 standards protects accounts from unauthorised access
- Continuous behavioural monitoring works silently in the background to detect fraud before it impacts users
- NFC-based secure payment handling supports safe tap-to-pay transactions
- Liveness detection during identity checks helps prevent spoofing during onboarding and verification

## Areas for Improvement

- Some data stored on the device could be better isolated from other apps installed on the same device.
- Network communications could be more consistently hardened to reduce exposure on untrusted Wi-Fi networks.
- Clearer in-app disclosure about which third-party services receive behavioural and usage data would give users better visibility into how their information is shared.

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## About This Analysis

This scorecard is based on automated static analysis of the app binary. Scores reflect the security and privacy posture of the app as shipped, not the developer's server-side practices.

### App Details

| Field | Value |
|---|---|
| Package | com.commbank.netbank |
| Version | 5.48.1.2576 |
| Scan Date | 2026-03-29 |
| Platform | Android |