Leader
38Heralded Score, range 35–42
The most visible digital banking platforms for banks and insurers in Europe, October 2026
Most cited source
1citations
From Google AI Overviews
Where engines disagree most
1/4engines put it in their top three
Top three on Google AI Mode, not on Gemini, 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | | New entry | 38 , range 35–42 | 38#1 | 38
| 32% | 15% | None | First reading | |
| 2 | | New entry | 37 , range 34–41 | 37#2 | 37
| 30% | 14% | None | First reading | |
| 3 | | New entry | 36 , range 33–39 | 36#3 | 36
| 29% | 12% | None | First reading | |
| 4 | | New entry | 31 , range 24–34 | 31#4 | 31
| 21% | 8% | None | First reading | |
| 5 | | New entry | 12 , range 8–25 | 12#5 | 12
| 11% | 5% | None | First reading | |
| 6 | | New entry | 12 , range 8–25 | 12#6 | 12
| 11% | 6% | None | First reading | |
| 7 | | New entry | 9 , range 6–17 | 9#7 | 9
| 12% | 2% | None | First reading | |
| 8 | | New entry | 8 , range 6–15 | 8#8 | 8
| 8% | 4% | None | First reading | |
| 9 | | New entry | 8 , range 6–15 | 8#9 | 8
| 9% | 3% | None | First reading | |
| 10 | | New entry | 7 , range 5–12 | 7#10 | 7
| 7% | 4% | 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 | | Reference | 0.2% | 1 of 4 | 1 | Not read |
| 2 | | Reference | 0.2% | 1 of 4 | 1 | Not read |
| 3 | | Reference | 0.2% | 1 of 4 | 1 | Not read |
| 4 | | Reference | 0.2% | 1 of 4 | 1 | Not read |
| 5 | | Reference | 0.2% | 1 of 4 | 1 | Not read |
Questions asked
| Question | Language | Most recommended |
|---|---|---|
| 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 | No brand recommended |
| 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 | |
| best digital banking platforms for banks | English | |
| digital insurance platform for insurers | English | |
| how to launch a digital bank | English | No brand recommended |
| 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
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.