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Heralded

The most visible digital banking platforms, October 2026

October 2026 · 15 questions asked in English, worldwide · ChatGPT, Google AI Overviews, Gemini and Google AI Mode · 83 answers read

Leader

Fiserv

21%of answers name it

Most cited source

backbase.com

14citations

From Google AI Mode, Gemini, Google AI Overviews and ChatGPT

Where engines disagree most

Alkami

1/4engines put it in their top three

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

Brands

Rank Brand Rank change Heralded Score Score trend Mentioned Recommended By engine Mentioned by Change
– Finxact US Unranked Too few answers
–
  • : Unranked
 1% 0% None First reading
– FlowX.AI RO Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Infosys Finacle IN Unranked Too few answers
–
  • : Unranked
 2% 0% First reading
– Kindgeek UA Unranked Too few answers
–
  • : Unranked
 1% 0% None First reading
– Lumin Digital US Unranked Too few answers
–
  • : Unranked
 3% 0% None First reading
– MeridianLink US Unranked Too few answers
–
  • : Unranked
 7% 0% First reading
– Narmi US Unranked Too few answers
–
  • : Unranked
 2% 0% None First reading
– NCR Voyix US Unranked Too few answers
–
  • : Unranked
 3% 0% None First reading
– Oracle Banking Digital Experience US Unranked Too few answers
–
  • : Unranked
 1% 0% First reading
– Plumery NL Unranked Too few answers
–
  • : Unranked
 1% 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. By engine has one dot per engine (ChatGPT, Google AI Overviews, Gemini and Google AI Mode), darker the more often it names the brand.

This month's moves

First reading. No comparable previous month yet.

Biggest risers

No clear rise.

Biggest fallers

No clear fall.

Drop-outs

No drop-outs.

Most cited sources

Rank Source Type Cited in Engines Pages cited Brands its pages mention
1 backbase.com Brand site 16.9% 4 of 4 7 12
2Withheld. Run a full Snapshot to see it.
3Withheld. Run a full Snapshot to see it.
4Withheld. Run a full Snapshot to see it.
5Withheld. Run a full Snapshot to see it.
6Withheld. Run a full Snapshot to see it.
7 fdic.gov Regulator 6.0% 1 of 4 5 6
8Withheld. Run a full Snapshot to see it.
9 gartner.com Industry authority 7.2% 3 of 4 1 6
10Withheld. Run a full Snapshot to see it.

The questions, and who wins each

QuestionLanguageWins it
what platform can a bank use to launch mobile banking for customers English Backbase, Fiserv and Temenos, tied
how can a fintech offer checking accounts through a mobile app English No brand recommended
should a bank build its own mobile banking system or use a platform English No brand recommended
what software helps a credit union offer online accounts and payments English No brand recommended
how can we launch a digital bank without building every system ourselves English Finastra, Mambu, Synctera and Thought Machine, tied
how do banks let customers open accounts and verify their identity online English No brand recommended
how can a fintech connect mobile banking to card payments and transfers English No brand recommended
how do we replace outdated banking software without disrupting customers English No brand recommended
one platform for mobile banking or separate systems for accounts and payments English No brand recommended
should a fintech use a banking platform or build account services in house English No brand recommended

Each engine's top three

Method

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