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

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

Leader

Temenos

43Heralded Score, range 35–55

Where engines disagree most

Temenos

3/4engines put it in their top three

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

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 Temenos CH New entry 43 , range 35–55 43#1
43
  • : score 43 · #1
38% 22% First reading
2 Backbase NL New entry 42 , range 34–53 42#2
42
  • : score 42 · #2
38% 18% First reading
3 Mambu DE New entry 37 , range 30–47 37#3
37
  • : score 37 · #3
31% 12% First reading
4 Thought Machine GB New entry 30 , range 9–39 30#4
30
  • : score 30 · #4
22% 5% First reading
5 Infosys Finacle IN New entry 25 , range 7–38 25#5
25
  • : score 25 · #5
15% 8% None First reading
6 Finastra GB New entry 17 , range 5–36 17#6
17
  • : score 17 · #6
12% 7% First reading
7 SDK.finance LV New entry 15 , range 5–35 15#7
15
  • : score 15 · #7
13% 5% First reading
8 Q2 US New entry 7 , range 2–32 7#8
7
  • : score 7 · #8
6% 5% First reading
9 nCino US New entry 6 , range 2–31 6#9
6
  • : score 6 · #9
6% 4% First reading
10 10x Banking GB New entry 6 , range 2–31 6#10
6
  • : score 6 · #10
6% 2% 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 fintechpilot.net Review site 3.3% 1 of 4 1 9
2 trustradius.com Review site 1.7% 1 of 4 2 Not read
3 bankata.ro Review site 1.7% 1 of 4 1 Not read
4 featuredcustomers.com Review site 1.7% 1 of 4 1 Not read
5 getapp.ca Review site 1.7% 1 of 4 1 Not read
6 neobank.ro Review site 1.7% 1 of 4 1 Not read
7 pickmysoft.com Review site 1.7% 1 of 4 1 Not read
8 spotsaas.com Review site 1.7% 1 of 4 1 Not read

Questions asked

QuestionLanguageMost recommended
best digital banking platforms for banks English Infosys Finacle and Temenos, tied
digital insurance platform for insurers English Duck Creek, Guidewire and Sapiens, tied
how to launch a digital bank English Mambu and SDK.finance, tied
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

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