The most visible digital banking platforms for banks and insurers, October 2026

October 2026 · 15 questions asked in English, worldwide · ChatGPT, Google AI Overviews, Gemini and Google AI Mode · 60 answers read

Leader

Backbase

41Heralded Score, range 33–51

Most cited source

youtube.com

13citations

From Google AI Overviews

Where engines disagree most

Mambu

1/4engines put it in their top three

Top three on Gemini, not on Google AI Mode, Google AI Overviews and ChatGPT

Brands

Search is not measured for this board yet, so it ranks on AI answers.

Rank Brand Rank change Heralded Score All AI Score trend Mentioned Recommended By engine Mentioned by Change
– Meniga IS Unranked Too few answers Not measured
–
  • : Unranked
1% 0% None First reading
– Narmi US Unranked Too few answers Not measured
–
  • : Unranked
2% 2% None First reading
– NCR Voyix US Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– Neofin BR Unranked Too few answers Not measured
–
  • : Unranked
2% 0% None First reading
– Numerated US Unranked Too few answers Not measured
–
  • : Unranked
2% 0% None First reading
– Nymbus US Unranked Too few answers Not measured
–
  • : Unranked
1% 0% None First reading
– Oracle FLEXCUBE US Unranked Too few answers Not measured
–
  • : Unranked
4% 0% First reading
– Plumery NL Unranked Too few answers Not measured
–
  • : Unranked
3% 0% None First reading
– SAP DE Unranked Too few answers Not measured
–
  • : Unranked
3% 0% First reading
– Sapiens IL Unranked Too few answers Not measured
–
  • : Unranked
5% 2% None First reading

“=” marks brands whose score ranges overlap, so the test cannot separate them. Every brand named in at least three answers is ranked. AI gives each brand’s score and rank from the engines’ answers; Search is not measured for this board yet. By engine has one dot per engine (ChatGPT, Google AI Overviews, Gemini and Google AI Mode), darker the more often it names the brand.

Most cited sources

Rank Source Type Cited in Engines Pages cited Brands its pages mention
1 youtube.com Social 11.7% 1 of 4 13 Not read
2 linkedin.com Social 13.3% 2 of 4 9 Not read
3 gartner.com Industry authority 13.3% 4 of 4 2 17
4 fdic.gov Regulator 5.0% 1 of 4 7 Not read
5 amazon.com Vendor site 6.7% 3 of 4 3 4
6 mckinsey.com Industry authority 5.0% 1 of 4 6 Not read
7 sofi.com Vendor site 6.7% 2 of 4 4 Not read
8 guideflow.com Vendor site 8.3% 3 of 4 1 11
9 bis.org Regulator 3.3% 1 of 4 3 Not read
10 ccgcatalyst.com Consultancy 5.0% 2 of 4 3 Not read

Questions asked

QuestionLanguageMost recommended
best digital banking platforms for banks English Backbase and Temenos, tied
digital insurance platform for insurers English Duck Creek, Guidewire, Majesco and Sapiens, tied
how to launch a digital bank English SDK.finance
how to modernize core banking systems English No brand recommended
cloud core banking vs legacy core banking English No brand recommended

Each engine's top three

Google AI Mode

No brand named in at least three answers.

Method

Each leaderboard ranks brands on two sides. AI is how ChatGPT, Gemini, Google AI Overviews and Google AI Mode answer the board's buyer questions. Search is Google's top 10 results for the keywords behind those questions. All combines the two, where Search is measured.

For the AI side, each month Heralded asks every engine the same buyer questions, twice each, and reads every answer. An answer counts 0 for a brand it leaves out, 50 for a brand it names and 100 for a brand it recommends, and the Heralded Score is built from those. A brand named in at least three answers gets a score and a place.

How the leaderboards are measured