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

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

Leader

Mambu

38Heralded Score, range 31–48

Where engines disagree most

Mambu

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 Mambu DE New entry 38 , range 31–48 38#1
38
  • : score 38 · #1
30% 16% None First reading
2 Backbase NL New entry 37 , range 31–47 37#2
37
  • : score 37 · #2
29% 16% None First reading
3 Temenos CH New entry 35 , range 25–45 35#3
35
  • : score 35 · #3
28% 10% None First reading
4 Thought Machine GB New entry 26 , range 7–38 26#4
26
  • : score 26 · #4
15% 8% None First reading
5 Infosys Finacle IN New entry 13 , range 5–35 13#5
13
  • : score 13 · #5
12% 5% None First reading
6 nCino US New entry 12 , range 4–35 12#6
12
  • : score 12 · #6
11% 6% None First reading
7 Finastra GB New entry 10 , range 4–34 10#7
10
  • : score 10 · #7
10% 5% None First reading
= 8 Duck Creek US New entry 8 , range 3–33 8= #8
8
  • : score 8 · #8
10% 3% None First reading
= 8 Guidewire US New entry 8 , range 3–33 8= #8
8
  • : score 8 · #8
10% 3% None First reading
10 SDK.finance LV New entry 7 , range 3–31 7#10
7
  • : score 7 · #10
10% 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 featuredcustomers.com Review site 1.7% 1 of 4 1 Not read
2 fintechpilot.net Review site 1.7% 1 of 4 1 Not read
3 saasworthy.com Review site 1.7% 1 of 4 1 Not read
4 spotsaas.com Review site 1.7% 1 of 4 1 Not read

Questions asked

QuestionLanguageMost recommended
best digital banking platforms for banks English Backbase, Mambu and Temenos, tied
digital insurance platform for insurers English Duck Creek, Guidewire and Majesco, 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 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