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

41Heralded Score, range 33–52

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

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
– Baasplus NL Unranked Too few answers Not measured
–
  • : Unranked
2% 0% None First reading
– Bankable GB Unranked Too few answers Not measured
–
  • : Unranked
1% 0% None First reading
– Codego MT Unranked Too few answers Not measured
–
  • : Unranked
2% 0% None First reading
– Creatio US Unranked Too few answers Not measured
–
  • : Unranked
2% 2% None First reading
– CSI US Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– ebankIT PT Unranked Too few answers Not measured
–
  • : Unranked
0% 0% First reading
– EIS Group US Unranked Too few answers Not measured
–
  • : Unranked
2% 0% None First reading
– FintechOS RO Unranked Too few answers Not measured
–
  • : Unranked
0% 0% First reading
– Finxact US Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– FlowX.AI RO Unranked Too few answers Not measured
–
  • : Unranked
0% 0% 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 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
best digital banking platforms for banks English Backbase, Q2 and Temenos, tied
digital insurance platform for insurers English Duck Creek, Garansure, Guidewire and Sapiens, tied
how to launch a digital bank English No brand recommended
how to modernize core banking systems English Backbase
cloud core banking vs legacy core banking English Backbase

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