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

No answer cited a source of this type (Reference).

Questions asked

QuestionLanguageMost recommended
¿Cuáles son las mejores plataformas de banca digital para bancos? Spanish Backbase, Infosys Finacle, Mambu, SBS, Temenos and Thought Machine, tied
Software de core bancario y onboarding digital para entidades financieras Spanish Finastra, G+D Netcetera, Mambu, SBS, Temenos and Thought Machine, tied
¿Cómo puede un banco lanzar una app de banca móvil sin desarrollarlo todo internamente? Spanish CoreFi and Mbanq, tied
¿Cómo puedo modernizar nuestro sistema de core bancario heredado? Spanish Backbase
¿Desarrollar internamente o comprar una plataforma de banca digital para un banco mediano? Spanish No brand recommended
¿Plataforma low-code o desarrollo a medida para los recorridos digitales de una aseguradora? Spanish No brand recommended
Alternativas a sustituir de golpe el sistema de core de un banco Spanish No brand recommended
Alternativas a la gestión manual del onboarding de préstamos y cuentas bancarias Spanish Mambu and nCino, tied
Dirijo la transformación digital de un banco regional. ¿Qué plataforma deberíamos usar para el onboarding digital? Spanish Backbase
Soy el CIO de una aseguradora y necesito digitalizar la gestión de siniestros y la venta de pólizas. Spanish 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