PCI DSS Compliance Assessment & Consulting for a Banking-as-a-Service Fintech

Securify

April 25, 2026

Client Overview

Mbanq is a Banking-as-a-Service (BaaS) fintech platform enabling regulated financial institutions and fintech companies to deliver modern digital banking products. Because the platform processes and stores payment card data, maintaining ongoing PCI DSS compliance is a critical regulatory, security, and partner requirement.

The Business & Security Challenge

As a fintech handling cardholder data (CHD), the client required formal PCI DSS consulting and compliance assessment services to address:

Unclear PCI DSS scope across applications, APIs, and infrastructure
Manual, time-intensive PCI compliance management
Evolving PCI DSS technical requirements for secure storage, segmentation, and monitoring
Increased scrutiny from banks, partners, and auditors

At the time, PCI compliance efforts were largely manual, creating operational risk and slowing audit readiness.

Our PCI DSS Consulting & Assessment Approach

Securify AI engaged as a long-term PCI DSS consulting partner, delivering end-to-end PCI DSS compliance assessment consulting services—from scoping through technical validation and continuous compliance enablement.

1. PCI DSS Scoping & Compliance Assessment

Identifying systems that process, transmit, or store cardholder data
Mapping CHD flows across applications and services
Validating segmentation controls to minimize PCI scope
Reviewing third-party service provider dependencies

This assessment ensured PCI requirements were applied only where necessary, reducing compliance burden while maintaining security integrity.

2. PCI DSS Control Alignment & Consulting

Mapped existing controls to PCI DSS requirements
Identified gaps across governance, technical, and operational controls
Developed and refined PCI-aligned security policies and procedures
Provided implementation guidance aligned with fintech engineering workflows

The result was a practical, audit-ready PCI control framework, not theoretical compliance documentation.

3. Threat Modeling & Technical Security Testing

Threat modeling for cardholder data flows and abuse scenarios
Web application and API penetration testing
Infrastructure vulnerability scanning and validation
Risk-based remediation guidance aligned with PCI expectations

Threat modeling allowed the client to proactively address design-level security risks, not just vulnerabilities discovered during testing.

4. PCI Compliance Automation with Drata

Mapping PCI DSS controls to Drata workflows
Integrating evidence collection and security tooling
Structuring ongoing monitoring for PCI control health
Reducing manual compliance effort and audit preparation time

This approach transformed PCI compliance from a point-in-time exercise into a continuous compliance program.

Long-Term Results & Ongoing PCI DSS Support

For over four years, Securify AI has continued to provide:

Annual PCI DSS compliance assessments
Ongoing PCI DSS consulting and advisory
Penetration testing and threat modeling support
Control updates aligned with evolving PCI requirements
Hands-on remediation and audit support

Measurable Outcomes

Successful annual PCI DSS compliance

Reduced PCI scope through proper segmentation

Faster audits with fewer findings

Stronger security posture beyond baseline compliance

Scalable, repeatable PCI compliance operations

Why This Matters for Fintech & BaaS Platforms

For fintech and Banking-as-a-Service providers, PCI DSS compliance is an ongoing operational requirement, not a one-time project. This engagement demonstrates how PCI DSS compliance assessment consulting services, combined with threat modeling and technical testing, help fintech platforms scale securely while meeting regulatory and partner expectations.