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

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

Leader

Backbase

24Heralded Score, range 19–57

Most cited source

europa.eu

27citations

From ChatGPT

Where engines disagree most

Finastra

1/4engines put it in their top three

Top three on ChatGPT, not on Google AI Mode, Gemini 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 24 , range 19–57 37#1 2#15
24
  • : score 24 · #1
22% 7% First reading
2 Mambu DE New entry 24 , range 19–57 37#2 2= #16
24
  • : score 24 · #2
20% 8% First reading
3 Temenos CH New entry 22 , range 9–54 33#3 5= #8
22
  • : score 22 · #3
14% 7% First reading
4 Thought Machine GB New entry 21 , range 8–53 32#4 2= #16
21
  • : score 21 · #4
15% 5% First reading
5 Finastra GB New entry 17 , range 4–51 26#5 2= #16
17
  • : score 17 · #5
9% 6% First reading
6 SDK.finance LV New entry 11 , range 4–49 18#6 0= #25
11
  • : score 11 · #6
11% 1% None First reading
7 Guidewire US New entry 6 , range 2–48 10#7 0= #25
6
  • : score 6 · #7
6% 3% None First reading
8 nCino US New entry 5 , range 2–48 8#8 0= #25
5
  • : score 5 · #8
5% 3% First reading
9 Infosys Finacle IN New entry 5 , range 1–47 7#9 2= #16
5
  • : score 5 · #9
5% 1% First reading
10 Alkami US New entry 4 , range 1–46 6#10 0= #25
4
  • : score 4 · #10
4% 1% 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 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 13.3% 1 of 4 23 Not read
2 gartner.com Industry authority 8.3% 4 of 4 6 14
3 youtube.com Social 8.3% 1 of 4 8 Not read
4 linkedin.com Social 8.3% 2 of 4 7 Not read
5 kansascityfed.org Regulator 10.0% 3 of 4 1 7
6 mckinsey.com Industry authority 5.0% 3 of 4 5 Not read
7 reddit.com Community 6.7% 2 of 4 3 5
8 bancaditalia.it Regulator 3.3% 2 of 4 4 Not read
9 ciopages.com Vendor site 6.7% 1 of 4 2 9
10 amazon.com Vendor site 5.0% 3 of 4 1 4

Questions asked

QuestionLanguageMost recommended
Quali sono le migliori piattaforme di digital banking per le banche? Italian Mambu and Thought Machine, tied
Software di core banking e onboarding digitale per istituti finanziari Italian Finastra, Intesa Sanpaolo Bank, Mambu, Oracle Financial Services and Temenos, tied
Come può una banca lanciare un’app di mobile banking senza sviluppare tutto internamente? Italian No brand recommended
Come posso modernizzare il nostro sistema di core banking legacy? Italian No brand recommended
Sviluppare internamente o acquistare una piattaforma di digital banking per una banca di medie dimensioni? Italian Backbase, Finastra, Mambu and Temenos, tied
Piattaforma low-code o sviluppo personalizzato per i percorsi digitali di una compagnia assicurativa? Italian Guidewire
Quali alternative ci sono alla sostituzione in un’unica soluzione del sistema core di una banca? Italian No brand recommended
Quali alternative ci sono all’onboarding manuale di prestiti e conti per le banche? Italian No brand recommended
Mi occupo di trasformazione digitale in una banca regionale. Quale piattaforma dovremmo usare per l’onboarding digitale? Italian Backbase and Intesa Sanpaolo Bank, tied
Sono il CIO di una compagnia assicurativa e devo digitalizzare la gestione dei sinistri e la vendita delle polizze. Italian 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