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

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

Leader

Backbase

26Heralded Score, range 21–48

Most cited source

europa.eu

14citations

From ChatGPT

Where engines disagree most

Mambu

2/4engines put it in their top three

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

Brands

Rank Brand Rank change Heralded Score All AI Search Score trend Mentioned Recommended By engine Mentioned by Change
1 Backbase NL New entry 26 , range 21–48 41#1 0= #8
26
  • : score 26 · #1
20% 14% First reading
2 Temenos CH New entry 23 , range 19–45 37#2 0= #8
23
  • : score 23 · #2
17% 10% First reading
3 Mambu DE New entry 21 , range 9–44 33#3 2= #4
21
  • : score 21 · #3
14% 7% First reading
4 Thought Machine GB New entry 19 , range 5–40 30#4 0= #8
19
  • : score 19 · #4
10% 7% First reading
5 SBS FR New entry 16 , range 4–42 24#5 2#3
16
  • : score 16 · #5
9% 5% None First reading
6 Skaleet FR New entry 15 , range 3–47 9#7 26#1
15
  • : score 15 · #6
10% 1% None First reading
7 Finastra GB New entry 10 , range 3–38 16#6 0= #8
10
  • : score 10 · #7
7% 5% First reading
= 8 nCino US New entry 5 , range 2–36 7= #8 0= #8
5
  • : score 5 · #8
4% 4% First reading
= 8 Q2 US New entry 5 , range 2–36 7= #8 0= #8
5
  • : score 5 · #8
4% 4% First reading
10 Infosys Finacle IN New entry 4 , range 1–35 7#10 0= #8
4
  • : score 4 · #10
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
1 europa.eu Regulator 8.3% 1 of 4 13 Not read
2 gartner.com Industry authority 8.3% 3 of 4 3 8
3 linkedin.com Social 8.3% 2 of 4 6 Not read
4 signicat.com Vendor site 3.3% 1 of 4 6 Not read
5 banque-france.fr Regulator 5.0% 1 of 4 5 Not read
6 bis.org Regulator 3.3% 1 of 4 3 Not read
7 deloitte.com Consultancy 8.3% 2 of 4 4 Not read
8 youtube.com Social 5.0% 2 of 4 5 Not read
9 salesforce.com Vendor site 3.3% 2 of 4 4 Not read
10 ibm.com Vendor site 5.0% 2 of 4 2 Not read

Questions asked

QuestionLanguageMost recommended
Quelles sont les meilleures plateformes de banque digitale pour les banques ? French Backbase, Finastra, Mambu, SBS and Temenos, tied
Solutions de core banking et d’onboarding digital pour les établissements financiers French Backbase, Finastra, Mambu, Oracle Financial Services, Temenos and Thought Machine, tied
Comment une banque peut-elle lancer une application de banque mobile sans tout développer en interne ? French No brand recommended
Comment moderniser notre système bancaire central existant ? French No brand recommended
Développer une plateforme de banque digitale en interne ou en acheter une pour une banque de taille moyenne ? French Backbase, Mambu, Temenos and Thought Machine, tied
Plateforme low-code ou développement sur mesure pour digitaliser les parcours d’un assureur ? French No brand recommended
Quelles sont les alternatives au remplacement complet du système central d’une banque ? French No brand recommended
Quelles sont les alternatives à l’onboarding manuel des prêts et des comptes dans les banques ? French Backbase, nCino and Temenos, tied
Je dirige la transformation numérique d’une banque régionale. Quelle plateforme choisir pour digitaliser l’onboarding ? French Backbase and SBS, tied
Je suis DSI d’un assureur et je dois digitaliser la gestion des sinistres et la vente de contrats. French No brand recommended

Each engine's top three

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