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

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

Leader

Temenos

35Heralded Score, range 25–45

Most cited source

europa.eu

22citations

From ChatGPT

Where engines disagree most

Crassula

1/4engines put it in their top three

Top three on Google AI Overviews, not on Google AI Mode, Gemini 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
– CSI US Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– Deposit Solutions DE Unranked Too few answers Not measured
–
  • : Unranked
1% 0% None First reading
– ebankIT PT Unranked Too few answers Not measured
–
  • : Unranked
0% 0% First reading
– Fincite DE Unranked Too few answers Not measured
–
  • : Unranked
2% 1% None First reading
– fincite • cios DE Unranked Too few answers Not measured
–
  • : Unranked
2% 2% None First reading
– FintechOS RO Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– fintus Suite DE Unranked Too few answers Not measured
–
  • : Unranked
2% 0% None First reading
– Finxact US Unranked Too few answers Not measured
–
  • : Unranked
2% 0% First reading
– FlowX.AI RO Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– IBM Core Banking US Unranked Too few answers Not measured
–
  • : Unranked
2% 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 10.0% 1 of 4 18 Not read
2 bafin.de Regulator 10.0% 2 of 4 9 Not read
3 gartner.com Industry authority 11.7% 3 of 4 5 16
4 youtube.com Social 8.3% 2 of 4 6 Not read
5 linkedin.com Social 6.7% 2 of 4 5 Not read
6 ciopages.com Vendor site 5.0% 1 of 4 2 10
7 creatio.com Vendor site 5.0% 2 of 4 1 5
8 deloitte.com Consultancy 3.3% 1 of 4 3 Not read
9 innowise.com Consultancy 5.0% 2 of 4 2 Not read
10 mckinsey.com Industry authority 3.3% 2 of 4 2 Not read

Questions asked

QuestionLanguageMost recommended
Was sind die besten digitalen Banking-Plattformen für Banken? German 10x Banking, Backbase, Finastra, Infosys Finacle, Mambu, Oracle Banking Digital Experience, Temenos and Thought Machine, tied
Core-Banking- und Digital-Onboarding-Software für Finanzinstitute German Avaloq, Backbase, Mambu, SAP Fioneer, Temenos, Thought Machine and Tuum, tied
Wie kann eine Bank eine Mobile-Banking-App starten, ohne alles selbst entwickeln zu müssen? German B+S Banksysteme, Backbase, Crassula and Temenos, tied
Wie modernisiere ich unser veraltetes Core-Banking-System? German No brand recommended
Eigenentwicklung oder Kauf einer Digital-Banking-Plattform für eine mittelgroße Bank? German No brand recommended
Low-Code-Plattform oder individuelle Entwicklung für die digitalen Prozesse eines Versicherers? German No brand recommended
Welche Alternativen gibt es dazu, das Kernbankensystem einer Bank auf einen Schlag zu ersetzen? German No brand recommended
Welche Alternativen gibt es zur manuellen Kredit- und Kontoeröffnung bei Banken? German No brand recommended
Ich leite die digitale Transformation bei einer Regionalbank. Welche Plattform sollten wir für das digitale Onboarding nutzen? German agree21, CoCoNet, Fincite and fincite • cios, tied
Ich bin CIO eines Versicherers und muss Schadenmeldungen und den Vertrieb von Versicherungsverträgen digitalisieren. German 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