mapou Visibility Index · Financial services → Fintech & neobanks · May 2026
Which fintech apps does AI cite most?
When buyers ask AI assistants questions like “What are the best fintech apps and neobanks to consider in 2026?” or “Best affordable fintech apps and neobanks under $10/month?”, a small set of fintech and neobanksget cited every time. Most don't. This report measures which.
How we measured. MVI is a 0–100 score per brand: 0 means AI never cites you in fintech and neobanks, 100 means it cites you in every prompt. We tested 20 brands across 5 AI assistants (ChatGPT, Perplexity, Gemini, Claude, Grok) using 20 fixed prompts, reused every monthly run for replicability.
How we describe AI visibility
- Stage 1, First encounter. The brand is discovered and cited occasionally in AI answers for buyer-intent prompts.
- Stage 2, Repeat use. The brand is cited regularly enough that it feels familiar and reliably present across prompts and engines.
- Stage 3, Default choice. The brand is the go-to recommendation in AI answers within its segment, often appearing first or most consistently.
Bottom line
Chime leads fintech and neobanks on AI search visibility with MVI 60, sitting firmly in the repeat-use tier, ahead of the field, with Revolut second at MVI 46.
Who AI cites most
Chime is cited in 59 of 100 prompt-engine pairs (59%). 95% confidence interval 51-70.
Concentration
The top 3 brands (Chime, Revolut, N26) capture 46% of all citations in this segment. 11 of 20 tracked brands are cited in fewer than 1 in 10 prompt-engine pairs.
Where the field sits
Of 20 brands tested: 1 in repeat-use, 5 in first-encounter, 14 not yet cited. Overall, AI cites a brand from this segment in 14% of buyer-intent prompt-engine pairs.
Engine asymmetry
Chime is cited in 85% of ChatGPT prompts but only 0% on Perplexity, visibility is engine-specific, not universal.
Phase flip
YNAB actually outperforms Chime on Comparison prompts, overall MVI hides this category-specific strength.
Wildcard competitor
AI also cites Robinhood 316 times across these prompts, even though it is not on our tracked-brand list. A citation-share leak worth investigating.
Analyst note
Chime leads with a 60 MVI, but no brand reaches the leader tier.
Chime is the only brand in the foothold tier with a 60 MVI, leading engines like ChatGPT at 85. Revolut follows with a 46 MVI but has no presence on Perplexity. Most brands, such as Cash App and Wise, have MVIs below 22. Fourteen out of 20 brands are not cited at all, showing limited visibility.
Risk:Revolut has a strong discovery rate at 68% but only 10% in comparison, making it vulnerable to YNAB, which performs better in that area.
Headline finding
Chime leads fintech and neobanks on AI search visibility with MVI 60, sitting firmly in the repeat-use tier.
Average MVI
16
Default choice
0
Of 20 brands
Repeat use
1
First encounter
5
Not yet cited
14
Citation rate per engine
How often each engine cites a brand from this category as a recommendation, averaged across all 20 brands tested.
ChatGPT
20%
14 / 20 brands cited at least once
Perplexity
0%
0 / 20 brands cited at least once
Gemini
13%
15 / 20 brands cited at least once
Claude
25%
18 / 20 brands cited at least once
Grok
14%
13 / 20 brands cited at least once
Phase strength across the category
Which buyer-intent phases are easiest vs hardest to win in fintech and neobanks. Citation rate averaged across all brands tested. Phase weights are part of the MVI formula.
Discovery · 30%
19%
Top: Chime
Filtered discovery · 25%
12%
Top: Chime
Comparison · 25%
12%
Top: YNAB
Evaluation · 20%
14%
Top: Chime
Who wins which buyer phase
Top 12brands by MVI mapped against the four buyer-intent phases. Each cell shows the brand's citation rate for that phase, color-coded so the visual pattern tells the story: a brand strong across all four phases reads as a horizontal orange band; a brand strong only at Discovery but weak at Evaluation reads as a left-heavy gradient. This is the segment's findings against the panel.
| Brand | MVI | Discovery | Filtered | Comparison | Evaluation |
|---|---|---|---|---|---|
| Chime | 60 | 75% | 50% | 38% | 78% |
| Revolut | 46 | 68% | 47% | 10% | 55% |
| N26 | 28 | 45% | 27% | 5% | 33% |
| YNAB | 27 | 13% | 20% | 55% | 20% |
| SoFi | 26 | 32% | 17% | 18% | 40% |
| Mint | 25 | 15% | 20% | 48% | 20% |
| Cash App | 21 | 40% | 5% | 20% | 15% |
| Wise | 18 | 22% | 20% | 5% | 25% |
| Monzo | 12 | 22% | 7% | 5% | 15% |
| PayPal | 9 | 12% | 0% | 20% | 0% |
| Venmo | 9 | 20% | 0% | 10% | 3% |
| Current | 7 | 7% | 10% | 0% | 13% |
How to read it. Strong horizontal band = durable brand, AI cites it across the entire funnel. Left-heavy gradient = brand with awareness (Discovery) but weak recommendation (Evaluation), the demand-leak pattern from Finding 03. Right-heavy gradient = brand AI considers in Comparison and Evaluation but does not surface in initial Discovery, the anti-leak pattern. Color steps: dark orange ≥75%, orange ≥50%, peach ≥30%, light ≥10%, beige >0%, neutral 0%.
For CMOs in fintech and neobanks
What this report means for your fintech and neobanks portfolio
Each bullet is a category-specific decision derived from this month's data, with the mapou service that operationalizes it.
Concentration risk
In fintech and neobanks, AI effectively recommends 10.6 of 20 tracked brands. The top brand captures 19% of citations. The next 2 capture another 14%. Visibility is concentrated but not winner-takes-all.
How mapou helps: GEO & Citation Architecture restructures your entity data so you can break into the top set.
Engine fragmentation
Engines disagree on the fintech and neobanks leaderboard. Mean cross-engine agreement is only 0.31 (1.0 = perfect agreement, 0 = independent). Optimizing for ChatGPT will not necessarily improve your Claude or Gemini visibility. You need engine-specific strategy.
How mapou helps: AI Visibility Audit maps your position separately on each of the 5 engines.
Persona-stable category
Fintech and neobanks is unusually stable. Chime holds the #1 spot across all 5 buyer personas tested. Top-3 overlap is 87%. The baseline MVI is a usable proxy for buyer-specific visibility, unlike most categories in our panel.
How mapou helps: AI Visibility Audit benchmarks you against the stable leader to identify the closest gap.
Visibility tier landscape
In fintech and neobanks, 0 of 20 tracked brands clear MVI 75 (default-choice tier). 14 are below MVI 25 (not yet cited). The strategy differs at each tier. If you are below 25, you need foundational visibility infrastructure before tactical optimization.
How mapou helps: AI Visibility Audit identifies your tier; GEO & Citation Architecture moves you up.
The mapou Visibility Index
What is MVI?
The mapou Visibility Index (MVI) is a 0-100 proprietary score combining four weighted dimensions: Discovery (open recommendations, 30%), Filtered Discovery (budget, persona, use-case, 25%), Comparison (head-to-head authority, 25%), and Evaluation (decision-criteria authority, 20%).
Citations count fully; mentions count at half weight. Engines are equally weighted (no market-share gymnastics). Wilson 95% confidence intervals are shown alongside every score. The same 20 prompts run every month so MVI deltas are paired comparisons, not noise.
How to read this ranking
- Default choice (MVI 75+). AI's go-to recommendation in fintech and neobanks. The tier other brands are competing into.
- Repeat use (50–74). Cited often enough to feel reliably present across prompts and engines. One signal away from default.
- First encounter (25–49). Discovered and cited occasionally, but visibility is inconsistent. The brand is real to AI, not yet trusted.
- Not yet cited (0–24). AI does not surface this brand for buyer-intent prompts in fintech and neobanks. Effectively invisible in AI-driven discovery.
Ranked by MVI score (Wilson 95% CI shown). The Spread column shows the gap between each brand's best and worst engine, under 15pp is durable, 50pp+ is engine-dependent. Per-engine columns show the count of prompts where each engine cited the brand as a recommendation (out of 20). Read each column as a signal: when ChatGPT cites you but Gemini doesn't, your gap is engine-specific. When all five miss you, the gap is foundational.
| # | Brand | MVI | 95% CI | Spread | Per-engine | ChatGPT | Perplexity | Gemini | Claude | Grok | Tier |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | ▲ Evaluation (15/20) · open recommendation (4/5) ▼ Comparison (7/20) · comparison alternative to leader (0/5) | 60 | 51–70 | 85pp | 17 | 0 | 13 | 15 | 14 | Repeat use | |
| 2 | ▲ Discovery (19/30) · open recommendation (4/5) ▼ Comparison (2/20) · filtered persona beginner (0/5) | 46 | 38–57 | 70pp | 14 | 0 | 5 | 13 | 14 | First encounter | |
| 3 | ▲ Discovery (12/30) · top-brands lists (3/5) ▼ Comparison (1/20) · emerging brands (0/5) | 28 | 21–39 | 60pp | 12 | 0 | 4 | 10 | 1 | First encounter | |
| 4 | ▲ Comparison (11/20) · filtered use case specific (4/5) ▼ Discovery (3/30) · top-brands lists (0/5) | 27 | 18–34 | 35pp | 5 | 0 | 7 | 7 | 5 | First encounter | |
| 5 | ▲ Evaluation (8/20) · discovery recommendation request (3/5) ▼ Filtered Discovery (5/30) · top-brands lists (0/5) | 26 | 18–35 | 45pp | 8 | 0 | 9 | 7 | 1 | First encounter | |
| 6 | ▲ Comparison (8/20) · comparison attribute specific (4/5) ▼ Discovery (3/30) · open recommendation (0/5) | 25 | 17–33 | 35pp | 7 | 0 | 1 | 4 | 6 | First encounter | |
| 7 | ▲ Discovery (10/30) · comparison alternative to leader (4/5) ▼ Filtered Discovery (1/30) · budget-friendly (0/5) | 21 | 14–29 | 45pp | 9 | 0 | 3 | 2 | 2 | Not yet cited | |
| 8 | ▲ Evaluation (4/20) · filtered persona pro (3/5) ▼ Comparison (1/20) · emerging brands (0/5) | 18 | 12–27 | 70pp | 1 | 0 | 2 | 14 | 0 | Not yet cited | |
| 9 | ▲ Discovery (6/30) · top-brands lists (3/5) ▼ Comparison (1/20) · popular brands (0/5) | 12 | 7–20 | 35pp | 2 | 0 | 1 | 1 | 7 | Not yet cited | |
| 10 | ▲ Comparison (4/20) · comparison alternative to leader (4/5) ▼ Filtered Discovery (0/30) · open recommendation (0/5) | 9 | 4–14 | 15pp | 1 | 0 | 2 | 3 | 1 | Not yet cited | |
| 11 | ▲ Discovery (4/30) · popular brands (2/5) ▼ Filtered Discovery (0/30) · open recommendation (0/5) | 9 | 4–16 | 10pp | 1 | 0 | 2 | 0 | 1 | Not yet cited | |
| 12 | ▲ Evaluation (1/20) · filtered persona beginner (2/5) ▼ Comparison (0/20) · top-brands lists (0/5) | 7 | 4–14 | 15pp | 2 | 0 | 1 | 3 | 0 | Not yet cited | |
| 13 | ▲ Evaluation (1/20) · current-year picks (1/5) | 6 | 3–12 | 15pp | 0 | 0 | 0 | 3 | 2 | Not yet cited | |
| 14 | ▲ Discovery (4/30) · open recommendation (1/5) ▼ Filtered Discovery (0/30) | 5 | 2–11 | 20pp | 0 | 0 | 1 | 4 | 0 | Not yet cited | |
| 15 | ▲ Discovery (2/30) · filtered persona pro (2/5) | 5 | 2–11 | 20pp | 1 | 0 | 0 | 4 | 0 | Not yet cited | |
| 16 | ▲ Discovery (4/30) · emerging brands (2/5) ▼ Evaluation (0/20) · top-brands lists (0/5) | 5 | 2–12 | 20pp | 0 | 0 | 1 | 4 | 0 | Not yet cited | |
| 17 | ▲ Comparison (4/20) · comparison alternative to leader (4/5) ▼ Discovery (0/30) · open recommendation (0/5) | 5 | 2–10 | 5pp | 1 | 0 | 1 | 1 | 1 | Not yet cited | |
| 18 | ▲ Discovery (3/30) · top-brands lists (1/5) ▼ Comparison (0/20) | 4 | 2–11 | 10pp | 0 | 0 | 0 | 2 | 2 | Not yet cited | |
| 19 | ▲ Discovery (2/30) · open recommendation (1/5) | 2 | 1–7 | 10pp | 0 | 0 | 0 | 2 | 0 | Not yet cited | |
| 20 | ▲ Discovery (0/30) | 2 | 0–6 | 0pp | 0 | 0 | 0 | 0 | 0 | Not yet cited |
Strategic insights for fintech and neobanks
Five derived metrics computed from the same data, surfacing how this segment behaves on AI search. See the State of AI Search for cross-segment comparison.
Engine agreement
0.31
High disagreement
Effective brands
10.6 / 20
Moderately concentrated · top 2 take 33%
Top demand-leak brand
Cash App
+25pp Discovery vs Evaluation
Top mention-only brand
Plaid
100% of visibility is mention-only
Kingmaker engine by funnel phase
discovery
ChatGPT
100pp spread
filtered
ChatGPT
83pp spread
comparison
ChatGPT
75pp spread
evaluation
ChatGPT
100pp spread
For each phase, the engine where the gap between most-cited and least-cited brand is widest, i.e. where positioning matters most. Win that engine, win that phase.
Brands cited most across the category
Aggregated across every (brand × prompt × engine) combination tested. The most-cited brands here are the names AI consistently surfaces when buyers ask about fintech and neobanks.
Emerging brands AI is citing in fintech and neobanks
Brand names AI engines surfaced for fintech and neobanks prompts that are not currently on the mapou tracked panel. Ranked by mention count and engine breadth. These are panel candidates, brands AI considers part of the category even though we are not yet measuring them.
Method. Aggregated across the canonical run for fintech and neobanks. For every (panel brand × prompt × engine) we record the brand names the analyzer extracted (capped at 6 per response), then drop names that match the tracked panel or its aliases, plus a denylist of generic category terms. Threshold to qualify: at least 3 mentions across at least 2 of 5 engines. Click any row to see the AI quote that surfaced the brand. Some entries may be tracked elsewhere on mapou but not in this segment, in which case AI considers them cross-category competitors. Reviewed monthly to inform panel additions.
How fintech and neobanks rankings shift by buyer persona
The MVI score is calibrated to a generic shopping-assistant prompt. But buyers don't arrive generically. We re-ran the same 20 canonical prompts five more times, each with a different buyer-persona signal in the system prompt: budget-conscious, premium, working professional, first-time, values-driven. Top-3 overlap with baseline: 87%. Leader holds across all personas: yes.
| Brand | Baseline | Budget | Premium | Pro | First-time | Values |
|---|---|---|---|---|---|---|
| Chime | 85% | 80% | 85% | 80% | 90% | 80% |
| Revolut | 70% | 50% | 80% | 55% | 65% | 65% |
| N26 | 70% | 35% | 80% | 60% | 50% | 50% |
| Mint | 50% | 35% | 10% | 30% | 30% | 5% |
| Cash App | 45% | 55% | 10% | 35% | 60% | 15% |
Each cell is the citation rate (out of 20 canonical prompts) for that brand under that persona, ChatGPT only. Cells are tinted green when a brand gains 5+ percentage points vs baseline, orange when it loses 5+. Strong tints flag a 20+ percentage-point swing. Top 8 baseline brands shown; full per-persona data is in data/research/persona-robustness/2026-05-07-1625/. The full methodology is on the State of AI Search page.
The 20-prompt taxonomy
Every brand in this report is tested against the same 20 canonical prompts, spanning the four MVI dimensions (Discovery, Filtered Discovery, Comparison, Evaluation). The prompt set is fixed at methodology v1.0 and reused every monthly run, so MVI deltas are paired comparisons not noise.
The exact prompt templates and phase-weighting formula are part of mapou's proprietary methodology, shared with paying clients alongside custom benchmarks for their specific brand.
See the framework →Methodology v1.0. MVI is mapou's proprietary 0-100 visibility score across 5 AI engines and 4 buyer-intent dimensions. 95% Wilson confidence intervals. Equal engine weighting. See the framework →
Run yours
Want to see your brand on this leaderboard? Run a free visibility check on your own brand. We'll show you exactly which prompts you're missing and which engines are losing you the most ground.