Comparison Overview
Carat from Fiserv

Carat from Fiserv
255 Fiserv Drive, Brookfield, 53045, US
Last Update: 28/03/2026
Carat from Fiserv is the global operating system for our enterprise clients – it is the set of services, connections and applications businesses need to thrive. Carat helps our clients create unified customer experiences – connected across devices, channels and geograph...

Swedbank
Landsvägen 40, SE-172 63, SE, Sundbyberg
Last Update: 01/04/2026
Since 1820, Swedbank has been the bank for the many households and businesses. We are a modern financial services platform focused on customer satisfaction. Our goal is to encourage people to save for a better future, and we aim to help people, businesses and society to...
Compliance Ranges Comparison

Carat from Fiserv







Swedbank






Benchmark & Cyber Underwriting Signals
Incidents vs Financial Services Industry Avg (This Year)
No incidents recorded for Carat from Fiserv in 2026.
Incidents vs Financial Services Industry Avg (This Year)
No incidents recorded for Swedbank in 2026.
Incident History - Carat from Fiserv (X = Date, Y = Severity)
Carat from Fiserv cyber incidents detection timeline including parent company and subsidiaries.
Incident History - Swedbank (X = Date, Y = Severity)
Swedbank cyber incidents detection timeline including parent company and subsidiaries.
Notable Incidents

Carat from Fiserv

Swedbank
FAQ
Latest Global CVEs
FOSSBilling is a free, open-source billing and client management system. In versions 0.5.6 through 0.7.2, when a `ClientPasswordReset` record already exists for a client (from a previous unexpired reset request), subsequent calls to the `reset_password` guest API endpoint reuse the existing token instead of generating a new one. The 15-minute validity window is anchored to the first request's `created_at` timestamp, not the time of the most recent email. An attacker who obtained the original reset link remains able to use it even after the victim requests a new reset, because the original token is never invalidated or rotated. Version 0.8.0 patches the issue. Some workarounds are available. Configure a reverse proxy (e.g., Nginx, Apache, Cloudflare) to apply per-IP rate limiting to the `/client/reset-password` endpoint to minimize the window of opportunity, and/or manually clear expired `client_password_reset` records from the database after a client reports a suspected compromise.
FOSSBilling is a free, open-source billing and client management system. Versions prior to 0.8.0 allow a low-privileged staff account to grant arbitrary module permissions to itself through the admin API, resulting in persistent privilege escalation. A staff user that only has `staff.create_and_edit_staff` can call `/api/admin/staff/permissions_update` targeting their own account and write any permission structure, bypassing the intended role-based access control boundary. Version 0.8.0 patches the issue. Some workarounds are available. Restrict the `staff.create_and_edit_staff` permission to only highly trusted staff members and/or use a reverse proxy or WAF to restrict access to `/api/admin/staff/permissions_update` to specific trusted roles.
FOSSBilling is a free, open-source billing and client management system. Versions 0.5.3 through 0.7.2 allow authenticated clients to both read and reset API key service secrets for orders that are no longer in an `active` state (e.g., `suspended`, `canceled`). The root cause is missing order-state validation in two client API endpoints, despite an `isActive()` helper already existing in the `Serviceapikey` module and the frontend UI correctly gating access on `order.status == 'active'`. Version 0.8.0 contains a fix. Some workarounds are available. If the `Serviceapikey` module is not needed, uninstall it to remove the affected endpoints. One may also use a reverse proxy or WAF to restrict access to `/api/client/order/service` and `/api/client/serviceapikey/reset` based on application-level order-state logic.
FOSSBilling is a free, open-source billing and client management system. Versions prior to 0.8.0 allow low-privileged staff accounts to perform unauthorized actions via admin API endpoints. The root cause is a combination of the `can_always_access` module flag (which grants all staff access to certain modules) and insufficient permission checks or unsafe parameter handling on individual endpoints. Version 0.8.0 contains a fix. Some workarounds are available. Restrict staff accounts to only those who need access to sensitive settings and/or use a reverse proxy or WAF to restrict access to the affected endpoints to trusted IP addresses or higher-privilege roles.
FOSSBilling is a free, open-source billing and client management system. In versions 0.5.6 through 0.7.2, when the "Require Email Confirmation" setting is enabled, a logged-in client with an unverified email address (`email_approved = 0`) can access all client-area pages (e.g. `/client/balance`, `/client/order/list`, `/client/invoice`) and read real account data, including wallet balances and transaction history. The API-side enforcement correctly restricts unverified clients to only profile-related endpoints, but the page-side enforcement is overly permissive, allowing any request whose path starts with `/client`. Version 0.8.0 contains a fix. No known workarounds that don't involve modifying the source code are available.