Leader
37Heralded Score, range 19–57
The most visible digital banking platforms for banks and insurers, October 2026
Most cited source
13citations
From Google AI Overviews
Where engines disagree most
1/4engines put it in their top three
Top three on Gemini, not on Google AI Mode, Google AI Overviews and ChatGPT
Brands
| Rank | Brand | Rank change | Heralded Score All | AI | Search | Score trend | Mentioned | Recommended | By engine | Mentioned by | Change |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | | New entry | 37 , range 19–57 | 37#2 | 36#5 | 37
| 20% | 11% | None | First reading | |
| 2 | | New entry | 36 , range 6–53 | 31#8 | 45#2 | 36
| 16% | 6% | | First reading | |
| 3 | | New entry | 36 , range 16–56 | 36#3 | 35= #6 | 36
| 18% | 11% | | First reading | |
| 4 | | New entry | 29 , range 21–58 | 41#1 | 10#12 | 29
| 25% | 10% | | First reading | |
| 5 | | New entry | 27 , range 17–55 | 36#4 | 11#11 | 27
| 19% | 8% | | First reading | |
| 6 | | New entry | 24 , range 10–53 | 33#5 | 10#14 | 24
| 15% | 7% | | First reading | |
| 7 | | New entry | 24 , range 11–53 | 33#6 | 9#15 | 24
| 17% | 4% |  | First reading | |
| 8 | | New entry | 21 , range 2–48 | 7= #11 | 44#3 | 21
| 10% | 2% | | First reading | |
| 9 | | New entry | 21 , range 9–52 | 32#7 | 1#28 | 21
| 17% | 3% | | First reading | |
| 10 | | New entry | 7 , range 1–46 | 6#15 | 10#13 | 7
| 4% | 3% | | 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 and Search give each brand’s score and rank on that side alone. 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 |
|---|---|---|---|---|---|---|
| 11 | | Consultancy | 5.0% | 2 of 4 | 3 | Not read |
| 12 | | Industry authority | 1.7% | 1 of 4 | 3 | Not read |
| 13 | | Consultancy | 5.0% | 1 of 4 | 1 | 4 |
| 14 | | Regulator | 5.0% | 3 of 4 | 1 | 8 |
| 15 | | Consultancy | 5.0% | 2 of 4 | 2 | Not read |
| 16 | | Vendor site | 1.7% | 1 of 4 | 2 | Not read |
| 17 | | Vendor site | 3.3% | 1 of 4 | 2 | Not read |
| 18 | | Consultancy | 3.3% | 1 of 4 | 2 | Not read |
| 19 | | Vendor site | 3.3% | 1 of 4 | 1 | 4 |
| 20 | | Consultancy | 1.7% | 1 of 4 | 2 | Not read |
Questions asked
| Question | Language | Most recommended |
|---|---|---|
| What are the best digital banking platforms for banks? | English | |
| Core banking and digital onboarding software for financial institutions | English | |
| How can a bank launch a mobile banking app without building everything in-house? | English | |
| How do I modernize our legacy core banking system? | English | No brand recommended |
| Building in-house vs. buying a digital banking platform for a mid-sized bank | English | |
| Low-code platform vs. custom development for an insurer's digital journeys | English | No brand recommended |
| Alternatives to replacing a bank's core system all at once | English | No brand recommended |
| Alternatives to manual loan and account onboarding for banks | English | |
| I lead digital transformation at a regional bank. Which platform should we use for digital onboarding? | English | |
| I'm the CIO of an insurer and need to digitize claims and policy sales. | English | No brand recommended |
Each engine's top three
Related leaderboards
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.