# Security & Privacy Scorecard

## OP-mobile

**fi.op.android.opmobiili** | Version 79.0.1 | Analyzed: 2026-01-31

## What This Means for You

User activity is tracked by Firebase and Adobe Marketing Cloud. Multiple high-severity findings were identified in how financial data is stored and transmitted, which may leave banking information less protected than expected. Device details and usage patterns are shared with several third-party services.

## Recommendation: Use With Caution

**Best For:** OP bank customers comfortable with analytics

**Avoid If:** Users who share devices with others

## Key Findings

**Data Security** - 5 findings (4 high, 1 medium)

**Network Security** - 2 findings (1 critical, 1 medium)

**Code Safety** - 0 findings

**Privacy** - 5 findings (2 high, 3 medium)

## Privacy Concerns

### What Data is Collected

The app collects device identifiers, location data, and behavioral data including user in-app actions, transaction patterns, and usage frequency. This information supports analytics and personalization features within the app.

### Third-Party Data Sharing

Data is shared with the following third-party services:

- **Firebase** - Analytics and crash reporting
- **Adobe Marketing Cloud** - Marketing analytics and behavioral profiling
- **Google Maps** - Location and mapping services
- **Samsung Pay** - Payment processing
- **Callsign** - Identity and authentication services
- **Bouncy Castle** - Security library
- **Jackson** - Data processing library
- **Kryo** - Data processing library
- **OkHttp** - Network communications library
- **VASCO** - Authentication services

## Understanding the Scores

| Category | Score |
|---|---|
| Security | 45/100 |
| Privacy | 55/100 |
| Data Security | 50/100 |
| Network Security | 60/100 |
| Code Safety | 40/100 |
| Data Collection | 70/100 |
| Data Sharing | 65/100 |
| User Control | 50/100 |

## Positive Security Features

- None identified in this version of the app.

## Areas for Improvement

- Financial data stored on the device may benefit from stronger protection to reduce risk to banking information.
- Communications between the app and banking servers travel with less protection than expected, which is relevant on public Wi-Fi.
- The app's underlying code practices need strengthening to reduce the risk of unauthorized access to account information.

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## About This Analysis

This scorecard is generated from automated static analysis of the app's code and behavior patterns. Scores are on a 0-100 scale where higher is better.

### App Details

- **App:** OP-mobile
- **Package:** fi.op.android.opmobiili
- **Version:** 79.0.1 (build 7905)
- **Scan Date:** 2026-01-31