Industry report · Data as of 1. October 2026
Finance & Fintech
AI models recommend KfW 62 times in this vertical, but the brand does not appear in classic web search.
KfW is the most frequently cited brand by AI assistants, even though it does not rank in the top ten results of classic web search. A clear categorical mismatch emerges across the results, as queries explicitly seeking specific financial products are instead dominated by broad financial institutions at the top of AI citations. Specific fintech products make up the broader majority of recognized brands overall and align much more closely with classic web search visibility.
15 Queries Sample: 195 AI models: ChatGPT, Claude, Gemini, Perplexity
What stands out in this industry
Achtung.app derives every observation directly from the collected numbers. It describes visibility in AI answers, not product quality.
-
Channel consensus
1 of 10 top brands appear in both channels. The others are named only by AI or only in classic web search.
-
Leader in both channels
Qonto is the most-cited brand in AI answers and is also prominent in classic web search.
-
Largest channel asymmetry
FYRST is named 15× in AI answers and appears 2× in classic web search. AI models weight the brand more heavily than Google does.
-
Single provider dominant
Payhawk gets 82 % of its AI mentions from a single model (Perplexity). The other providers rarely name the brand.
-
Web search only
93 domains appear in classic web search but are named by no AI model. Mostly comparison portals, trade media, and established industry sites.
-
Stability
8 % of AI mentions are stable. The others may be missing on the next query; reproducible visibility cannot be taken for granted.
The 10 most visible brands in AI answers
Ranked by AI prominence, a consolidated 0–100 visibility score: how often a brand is named, across how many AI models, at what position, and in what sentiment. Two further factors (recommendation strength, momentum) cannot be measured here and remain hidden. How the score is calculated
| # | Brand | Prominence |
|---|---|---|
| 1 |
KfW
kfw.de |
56.5 |
| 2 |
Scalable Capital
scalable.capital |
55.7 |
| 3 |
Allianz
allianz.com |
55.6 |
| 4 |
S-Factoring
s-factoring.de |
52.7 |
| 5 |
Hannoversche Versicherung
hannoversche.de |
52.7 |
| 6 |
Alte Leipziger
alte-leipziger.de |
51.8 |
| 7 |
Trade Republic
traderepublic.com |
51.5 |
| 8 |
LV 1871
lv1871.de |
51.5 |
| 9 |
FYRST
fyrst.de |
51.1 |
| 10 |
Baloise
baloise.ch |
50.8 |
Your brand not in the top 10? The free scan shows whether ChatGPT and Gemini recommend it.
Start free scanPast measurements
How the current top brands ranked across previous measurement cycles. Achtung.app re-collects each industry report monthly and keeps earlier snapshots archived.
| Brand | July 2026 | Current |
|---|---|---|
|
KfW
kfw.de |
#1 | #1 |
|
Scalable Capital
scalable.capital |
#3 | #2 |
|
Allianz
allianz.com |
– | #3 |
|
S-Factoring
s-factoring.de |
– | #4 |
|
Hannoversche Versicherung
hannoversche.de |
– | #5 |
|
Alte Leipziger
alte-leipziger.de |
– | #6 |
|
Trade Republic
traderepublic.com |
#2 | #7 |
|
LV 1871
lv1871.de |
– | #8 |
|
FYRST
fyrst.de |
#10 | #9 |
|
Baloise
baloise.ch |
– | #10 |
– = not in the top 10 of that measurement cycle.
Same brands, different visibility
Brands present in both channels, normalized to the per-channel peak and sorted by asymmetry. A long AI bar next to a short web-search bar means the brand is named disproportionately often by AI models even though it barely appears in organic web-search results. The reverse holds too.
Normalized per channel to the peak · sorted by |Δ|
Normalized per channel to the peak · sorted by |Δ|
Normalized per channel to the peak · sorted by |Δ|
Normalized per channel to the peak · sorted by |Δ|
Normalized per channel to the peak · sorted by |Δ|
AI top 10 vs. web-search top 10
On the left, the brands named most often in AI answers; on the right, the brands most visible in classic web-search results. Pink lines connect brands that appear in both top-10 lists.
9 AI only 1 in both 9 web search only
-
1
KfW stable62 Nennungen
-
2
23 Nennungen
-
3
American Express stable22 Nennungen
-
4
Qonto stable21 Nennungen
-
5
FYRST stable15 Nennungen
-
1
Handelsblatt⌀ Rank 3,2 · 5 Treffer
-
2
CHECK24⌀ Rank 5,0 · 5 Treffer
-
3
transparent-beraten.de⌀ Rank 2,0 · 3 Treffer
-
4
Qonto⌀ Rank 4,5 · 4 Treffer
-
5
Dr. Klein Privatkunden⌀ Rank 1,5 · 2 Treffer
stable Brands that appear in at least two of three model runs per query.
Where web search and AI diverge
Brands only one of the two channels knows. For one side that is a gap in AI visibility, for the other a gap in classic web search.
Visible in web search, absent from AI answers
| Brand | Web hits |
|---|---|
|
Handelsblatt
handelsblatt.com |
5 |
|
transparent-beraten.de
transparent-beraten.de |
3 |
|
Drklein
drklein.de |
2 |
|
Fuer-Gruender
fuer-gruender.de |
3 |
|
Justetf
justetf.com |
3 |
Visible in AI answers, absent from web search
| Brand | AI mentions |
|---|---|
|
KfW
kfw.de |
62 |
|
Allianz
allianz.com |
23 |
|
American Express
americanexpress.com |
22 |
|
Kontist
kontist.com |
15 |
|
ING
ing.de |
13 |
One-off hits are excluded: a brand appears here from two mentions in the respective channel onwards. GEO gap in the glossary
How stable are the AI mentions?
AI models do not answer deterministically. Achtung.app runs every query multiple times per model and measures how reliably a brand is named.
| Classification | Brands |
|---|---|
|
Stable
appears reliably in ≥ 2 of 3 runs
|
14 |
|
Borderline
appears in 1 of 3 runs; plan for it with care
|
32 |
|
Drift
appears only sporadically; may be missing on the next run
|
123 |
Based on 169 brands with a recorded run consistency. Run consistency in the glossary
The queries Achtung.app tracked
15 brand-free queries, each put to every AI model and to classic web search.
The queries ask for: 6× products 5× service providers 3× marketplaces 1× institution
| Query | AI top |
|---|---|
| Günstiges Geschäftskonto für Einzelunternehmer Deutschland | FYRST BASE 12× |
| Beste private Krankenversicherung für Beamtenanfänger | Barmenia 6× |
| Kreditkartenanbieter mit hohen Limits für Agenturen | Moss 12× |
| Steuerberater für Krypto Gewinne und DeFi | Gadus Steuerberatung 6× |
| Baufinanzierung Vergleich für junge Familien ohne Eigenkapital | KfW 300 3× |
| Automatisierte Rechnungsverarbeitung für mittelständische Industriebetriebe | SAP 5× |
| Top Online Broker für ETF Sparpläne Vergleich | Trade Republic 12× |
| Factoring Anbieter für Handwerksbetriebe im DACH Raum | A.B.S. Factoring 10× |
| Berufsunfähigkeitsversicherung für IT Freiberufler Testsieger | Hannoversche 7× |
| Lohnabrechnung Outsourcing für Kleinbetriebe Kosten | DATEV 1× |
| Vermögensverwaltung für Rentner mit Fokus auf Dividenden | Bank Cler 3× |
| Firmenkredit ohne Schufa für Neugründer | Mikrokreditfonds Deutschland 7× |
| Gewerbeversicherung Vergleich für Gastronomie und Hotellerie | Gewerbeversicherung.de 4× |
| Zinsgünstiger Modernisierungskredit für Immobilieneigentümer | KfW 5× |
| Beste Anbieter für betriebliche Altersvorsorge KMU | Allianz 12× |
Consensus = how many of the AI top-3 brands also appear in the classic web search top 3.
Brands compared
Every brand with at least one AI mention, ranked by AI prominence. The order measures visibility, not quality.
| # | Brand | Prominence |
|---|---|---|
| 1 |
KfW
kfw.de Institution
|
56.5 |
| 2 |
Scalable Capital
scalable.capital Product
|
55.7 |
| 3 |
Allianz
allianz.com Institution
|
55.6 |
| 4 |
S-Factoring
s-factoring.de Service provider
|
52.7 |
| 5 |
Hannoversche Versicherung
hannoversche.de
|
52.7 |
| 6 |
Alte Leipziger
alte-leipziger.de Institution
|
51.8 |
| 7 |
Trade Republic
traderepublic.com Product
|
51.5 |
| 8 |
LV 1871
lv1871.de Institution
|
51.5 |
| 9 |
FYRST
fyrst.de Product
|
51.1 |
| 10 |
Baloise
baloise.ch Institution
|
50.8 |
| 11 |
Qonto
qonto.com Product
|
50.6 |
| 12 |
Hdi
hdi.global Institution
|
49.6 |
| 13 |
ING
ing.de Institution
|
49.4 |
| 14 |
Finanzen
finanzen.net Media outlet
|
48.8 |
| 15 |
AXA
axa.de Institution
|
47.2 |
| 16 |
DATEV
datev.de Product
|
47.2 |
| 17 |
CrefoFactoring
crefo-factoring.de Service provider
|
46.8 |
| 18 |
A.B.S. Factoring
abs-factoring.at Service provider
|
46.7 |
| 19 |
SAP
sap.com Product
|
46.4 |
| 20 |
Finom
finom.co Product
|
46.1 |
| 21 |
Kontist
kontist.com Product
|
46.0 |
| 22 |
Mikrokreditfonds
mikrokreditfonds.de Institution
|
45.2 |
| 23 |
Continentale Versicherung
continentale.de Institution
|
44.5 |
| 24 |
Wolf Factoring
wolf-factoring.de Service provider
|
44.3 |
| 25 |
ADELTA.FINANZ
adeltafinanz.com Service provider
|
43.6 |
| 26 |
Commerzbank
commerzbank.de Institution
|
42.6 |
| 27 |
American Express
americanexpress.com Institution
|
42.0 |
| 28 |
Moss -
moss.com Product
|
41.5 |
| 29 |
Vivid Germany
vivid.money Product
|
41.1 |
| 30 |
Finanzchef24
finanzchef24.de
|
40.5 |
| 31 |
Tax Sparrow
tax-sparrow.de Product
|
40.1 |
| 32 |
TRADERS PLACE
tradersplace.de Product
|
39.7 |
| 33 |
Sage Group
sage.com
|
39.6 |
| 34 |
N26
n26.com Product
|
39.4 |
| 35 |
Barmenia Gothaer BU25 Premium AU
barmenia.de Institution
|
39.4 |
| 36 |
BAFA
bafa.de Institution
|
39.0 |
| 37 |
Gewerbeversicherungen online vergleichen
gewerbeversicherung.de Marketplace / directory
|
38.9 |
| 38 |
Smartbrokerplus
smartbrokerplus.de Product
|
38.5 |
| 39 |
CHECK24
check24.de Marketplace / directory
|
37.9 |
| 40 |
Bitcoin-Tax
bitcoin-tax.de Service provider
|
37.8 |
| 41 |
G-Tax-Consulting
g-tax-consulting.de Service provider
|
37.8 |
| 42 |
Gadus Steuerberatung
gadus-steuerberatung.de Service provider
|
37.5 |
| 43 |
Deutscher Factoring Verband e.V.
factoring.de Institution
|
37.4 |
| 44 |
Debeka
debeka.de
|
37.1 |
| 45 |
comdirect
comdirect.de Institution
|
36.0 |
| 46 |
Consorsbank
consorsbank.de Institution
|
35.9 |
| 47 |
CosmosDirekt
cosmosdirekt.de
|
35.9 |
| 48 |
flatex
flatex.de Product
|
35.8 |
| 49 |
HUK-COBURG
huk-coburg.de Institution
|
35.6 |
| 50 |
DKB
dkb.de Institution
|
35.6 |
| 51 |
Swiss Life
swisslife.de Institution
|
35.2 |
| 52 |
Pliant
pliant.app Product
|
34.3 |
| 53 | Deutscher Ring Krankenversicherung | 32.8 |
| 54 |
Investor
investor.nexteraenergy.com
|
32.8 |
| 55 |
Lexware
lexware.de
|
32.8 |
| 56 |
Candis
candis.io
|
32.8 |
| 57 |
Ruv
ruv.de
|
32.8 |
| 58 |
DAS FACTORINGINSTITUT
factoringinstitut.de
|
32.8 |
| 59 |
Bmwk
bmwk.de
|
32.8 |
| 60 |
Investor-Relations
investor-relations.commerzbank.com
|
32.8 |
| 61 |
PostBank
postbank.de
|
32.6 |
| 62 |
Tide Business
tide.co
|
32.2 |
| 63 |
Ofina
ofina.de
|
32.1 |
| 64 |
Payhawk logo
payhawk.com Product
|
32.0 |
| 65 |
KONLUS
konlus.de
|
31.7 |
| 66 |
ERGO
ergo.de Institution
|
31.3 |
| 67 |
Zurich
zurich.com Institution
|
30.6 |
| 68 |
Holvi
holvi.com Institution
|
30.6 |
| 69 |
Helvetia
helvetia.com
|
30.5 |
| 70 |
Bürgschaftsbanken
buergschaftsbank.de
|
30.5 |
| 71 | Kanzlei Haberbosch | 30.5 |
| 72 |
Bkb
bkb.ch
|
30.5 |
| 73 |
WWK Versicherungen
wwk.de
|
30.5 |
| 74 |
Brex
brex.com
|
30.5 |
| 75 |
Public Storage
publicstorage.com
|
30.5 |
| 76 |
grenke
grenke.de
|
30.5 |
| 77 |
INVESTORA since 2004
investora.de
|
30.5 |
| 78 |
NRW.BANK
nrwbank.de
|
30.5 |
| 79 |
Esf
esf.de
|
30.5 |
| 80 |
BGV
bgv.de
|
30.5 |
| 81 |
Kredit2Day
kredit2day.de
|
29.8 |
| 82 |
BBBank
bbbank.de
|
29.8 |
| 83 |
R+V
rv-finance.de Service provider
|
29.6 |
| 84 |
HWS Crypto
hws-crypto.de
|
29.4 |
| 85 |
Stuttgarter
stuttgarter.de
|
28.3 |
| 86 |
ARAG Versicherung
arag.de
|
28.2 |
| 87 |
ALKUL Steuerberater
alkul-steuerberater.de
|
28.2 |
| 88 |
Bank Cler
cler.ch
|
28.2 |
| 89 |
Gastrosurance
gastrosurance.de
|
28.2 |
| 90 |
American Water Works
amwater.com
|
28.2 |
| 91 |
VERIVOX
verivox.de
|
28.2 |
| 92 |
Hanseatic Bank
hanseaticbank.de
|
28.2 |
| 93 |
sevdesk
sevdesk.de
|
28.2 |
| 94 |
Stiftung Warentest
test.de
|
28.2 |
| 95 |
Europa
europa.de
|
28.2 |
| 96 |
HDI
hdi.de
|
28.2 |
| 97 |
MKB Finance
mkbfinance.nl
|
28.2 |
| 98 |
Mein-Mikrokredit
mein-mikrokredit.de
|
28.2 |
| 99 |
Existenzgruendungsportal
existenzgruendungsportal.de
|
28.2 |
| 100 |
SMAVA Online-Kreditvergleich
smava.de
|
28.2 |
Showing 100 of 169 brands with an AI mention. The complete dataset is available as PDF, CSV or JSON. Δ = web-search prominence minus AI prominence, only for brands present in both channels. The category (service provider, product, marketplace, media outlet) is classified only for the most-mentioned brands; it stays empty for the rest.
Check your own brand
How visible is your brand?
See, for free, whether ChatGPT and Gemini recommend your brand in Finance & Fintech.
Complete brand ranking, AI citations per model, and methodology. Direct download, no email required.
Download PDFMethodology
Achtung.app sends typical German-language queries for each industry to classic web search and to the active AI models. Queries are brand-free, so results show which brands surface organically. Both channels receive identical prompts so answers can be compared directly. Every brand named in the responses is extracted and consolidated on its canonical domain. The classic-web-search source is Brave Search, a Google-independent organic index.
3 runs per AI model per query; classic web search via a single top-10 fetch. Models queried: ChatGPT, Claude, Gemini, Perplexity. Platforms and infrastructure (e.g. Google Analytics, Instagram, YouTube, LinkedIn, TikTok) are excluded from the brand list because they are marketing channels, not competitors.
How Achtung.app collects, evaluates and what the method cannot do is set out in full in the methodology. Terms such as AI prominence, run consistency and GEO gap are explained in the glossary.
Frequently asked questions about this report
AI prominence is a 0–100 score built from four measured factors: in how many queries the brand is named (coverage), how many of the evaluated AI platforms cite it (breadth), where it appears in the answers (position), and how the mentions read (sentiment). Only measured values go in — no estimates.
This report is based on answers from ChatGPT, Claude, Gemini, Perplexity. Each query was asked multiple times per platform; the details are in the methodology note above.
The numbers come from the collection run of 1. October 2026. Achtung.app re-collects this report monthly; the ranking and texts are fully recomputed each time.
No. The ranking measures how visible a brand is in AI answers, not the quality of its products or services. A high AI prominence means AI assistants name the brand frequently and prominently when users ask questions in this field.
The report only lists brands that appeared in the AI answers or in the classic web search top 10 for the tested queries. If a brand is missing, it was not named for this query set; that says nothing about other topic areas. Pure platform and infrastructure domains are deliberately excluded.
Yes. The published figures and rankings are licensed under CC BY 4.0: you may share and reuse them as long as you credit Achtung.app as the source and link to this page.
More industry reports
Who shows up in which industry in AI answers — Achtung.app measures it.
How to cite
If you use numbers from this report, please cite it like this:
Achtung.app (2026): Finance & Fintech — Oktober 2026. Industry report, data as of October 2026. https://achtung.app/branche/finance. License: CC BY 4.0.
Data in this report is published under CC BY 4.0 · Attribution: Achtung.app · Download the raw data: CSV · JSON