Skip to main content

Diese Seite gibt es auch auf Deutsch. Auf Deutsch lesen

Industry report · Data as of 1. August 2026

Finance & Fintech

AI models recommend KfW 28 times in this vertical, but the brand does not appear in classic web search.

KfW is the most cited brand by AI assistants, despite failing to rank within the top ten results of classic web search. Although the user queries largely seek specific financial products, comparison tools, and specialized services, overarching financial institutions overwhelmingly dominate the AI recommendations instead of individual product brands.

15 Queries Sample: 195 AI models: ChatGPT, Claude, Gemini, Perplexity

Download PDF

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

    0 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

    ING is the most-cited brand in AI answers and is also prominent in classic web search.

  • Largest channel asymmetry

    ING-DiBa is named 15× in AI answers and appears 1× in classic web search. AI models weight the brand more heavily than Google does.

  • Single provider dominant

    Svea Bank gets 100 % of its AI mentions from a single model (Gemini). The other providers rarely name the brand.

  • Web search only

    85 domains appear in classic web search but are named by no AI model. Mostly comparison portals, trade media, and established industry sites.

  • Stability

    5 % 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

  1. Allianz

    allianz.de ↑4 58.1 Known

    Allianz Deutschland is cited in 27% of queries across ChatGPT, Gemini, Claude, and Perplexity, achieving broad generative visibility despite a complete absence from the classic web search top 10. This stark AI-versus-search gap shows that the brand's visibility is driven entirely by generative models rather than traditional search indexing.

  2. KfW

    kfw.de ↓1 56.8 Known

    KfW appears in 20% of queries across all four measured AI platforms, demonstrating a strong AI-only presence while remaining entirely outside the top 10 in classic web search. Every single one of its 31 AI mentions registers a positive sentiment, showing a uniformly favorable brand perception among the models.

  3. Commerzbank

    commerzbank.de New 56.1 Known

    Commerzbank appears in 27% of queries across all four measured AI platforms and is the only brand in this tier to maintain a classic web search presence, averaging a rank of 4.3. Despite this broad query coverage, the institution registers a low 23% run consistency, meaning AI models frequently drop it during repeated prompts.

  4. Trade Republic

    traderepublic.com ↓2 54.3 Known

    Trade Republic surfaces in 7% of queries across all four AI assistants, appearing exclusively in AI results rather than classic web search. When the brand is mentioned, it achieves a 100% run consistency and a high average AI answer position of 1.8.

  5. Scalable Capital

    scalable.capital ↓2 54.1 Known

    Scalable Capital Bank is cited in 7% of queries by ChatGPT, Claude, Gemini, and Perplexity, maintaining an AI-only footprint with no presence in the classic web search top 10. The brand records a 100% run consistency and a notably high average AI answer position of 1.8 across its appearances.

# Brand Prominence
6 ↓2 American Express
americanexpress.com
 50.6
7 New Hannoversche Versicherung
hannoversche.de
 50.4
8 ↓1 Barmenia Gothaer BU25 Premium AU
barmenia.de
 48.7
9 New ING
ing.de
 48.6
10 FYRST
fyrst.de
 48.0

Your brand not in the top 10? The free scan shows whether ChatGPT and Gemini recommend it.

Start free scan

Past 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
Allianz
allianz.de
 #5 #1
KfW
kfw.de
 #1 #2
Commerzbank
commerzbank.de
 – #3
Trade Republic
traderepublic.com
 #2 #4
Scalable Capital
scalable.capital
 #3 #5
American Express
americanexpress.com
 #4 #6
Hannoversche Versicherung
hannoversche.de
 – #7
Barmenia Gothaer BU25 Premium AU
barmenia.de
 #7 #8
ING
ing.de
 – #9
FYRST
fyrst.de
 #10 #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.

AI citations Classic web search
CHECK24
check24.de
ING
ing.de
Hannoversche Versicherung
hannoversche.de
LV 1871
lv1871.de
VERIVOX
verivox.de
HUK-COBURG
huk-coburg.de
HDI
hdi.de
Dr. Klein Privatkunden
drklein.de
CrefoFactoring
crefo-factoring.de
ADELTA.FINANZ
adeltafinanz.com

Normalized per channel to the peak · sorted by |Δ|

ChatGPT citations Classic web search
Gewerbeversicherungen online vergleichen
gewerbeversicherung.de
Tide Business
tide.co
ING
ing.de
Hannoversche Versicherung
hannoversche.de
HUK-COBURG
huk-coburg.de
ADELTA.FINANZ
adeltafinanz.com
Handwerkskapital
handwerkskapital.de
Tax Sparrow
tax-sparrow.de
Lohnhelden
lohnhelden.net
Stiftung Warentest
test.de

Normalized per channel to the peak · sorted by |Δ|

Claude citations Classic web search
Hannoversche Versicherung
hannoversche.de
HDI
hdi.de
CrefoFactoring
crefo-factoring.de
ADELTA.FINANZ
adeltafinanz.com
Handwerkskapital
handwerkskapital.de
Tax Sparrow
tax-sparrow.de
Finanztip
finanztip.de
Reisetopia
reisetopia.de
FactoringWerkstatt
factoringwerkstatt.de
Commerzbank
commerzbank.de

Normalized per channel to the peak · sorted by |Δ|

Gemini citations Classic web search
HUK-COBURG
huk-coburg.de
ING
ing.de
Hannoversche Versicherung
hannoversche.de
LV 1871
lv1871.de
CHECK24
check24.de
Qonto
qonto.com
CrefoFactoring
crefo-factoring.de
Finanzen
finanzen.net
Wolf Factoring
wolf-factoring.de
auxmoney
auxmoney.com

Normalized per channel to the peak · sorted by |Δ|

Perplexity citations Classic web search
LV 1871
lv1871.de
ING
ing.de
CHECK24
check24.de
HDI
hdi.de
Hannoversche Versicherung
hannoversche.de
VERIVOX
verivox.de
Commerzbank
commerzbank.de
CrefoFactoring
crefo-factoring.de
Finanzen
finanzen.net
Wolf Factoring
wolf-factoring.de

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.

10 AI only 0 in both 10 web search only

AI top 10 · Top 5
Web-search top 10 · Top 5

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
 6
Fuer-Gruender
fuer-gruender.de
 3
transparent-beraten.de
transparent-beraten.de
 3
Steueragenten
steueragenten.de
 2
Justetf
justetf.com
 3

Visible in AI answers, absent from web search

Brand AI mentions
KfW
kfw.de
 31
Allianz
allianz.de
 21
Alte Leipziger
alte-leipziger.de
 17
American Express
americanexpress.com
 15
Swiss Life
swisslife.de
 14

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
 10
Borderline
appears in 1 of 3 runs; plan for it with care
 34
Drift
appears only sporadically; may be missing on the next run
 156

Based on 200 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.

Query AI top
Günstiges Geschäftskonto für Einzelunternehmer Deutschland N26 Business Standard 9×
Beste private Krankenversicherung für Beamtenanfänger Barmenia 7×
Kreditkartenanbieter mit hohen Limits für Agenturen moss 6×
Steuerberater für Krypto Gewinne und DeFi Tax Sparrow 4×
Baufinanzierung Vergleich für junge Familien ohne Eigenkapital finanziero.de 3×
Automatisierte Rechnungsverarbeitung für mittelständische Industriebetriebe Wentio 3×
Top Online Broker für ETF Sparpläne Vergleich Trade Republic 12×
Factoring Anbieter für Handwerksbetriebe im DACH Raum CrefoFactoring 9×
Berufsunfähigkeitsversicherung für IT Freiberufler Testsieger Hannoversche 11×
Lohnabrechnung Outsourcing für Kleinbetriebe Kosten Lohnhelden 4×
Vermögensverwaltung für Rentner mit Fokus auf Dividenden ficon Vermögensmanagement GmbH 3×
Firmenkredit ohne Schufa für Neugründer Qred Bank 4×
Gewerbeversicherung Vergleich für Gastronomie und Hotellerie Gewerbeversicherung.de 4×
Zinsgünstiger Modernisierungskredit für Immobilieneigentümer KfW 6×
Beste Anbieter für betriebliche Altersvorsorge KMU Allianz 9×

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 Allianz
allianz.de
 58.1
2 KfW
kfw.de
 56.8
3 Commerzbank
commerzbank.de
 56.1
4 Trade Republic
traderepublic.com
 54.3
5 Scalable Capital
scalable.capital
 54.1
6 American Express
americanexpress.com
 50.6
7 Hannoversche Versicherung
hannoversche.de
 50.4
8 Barmenia Gothaer BU25 Premium AU
barmenia.de
 48.7
9 ING
ing.de
 48.6
10 FYRST
fyrst.de
 48.0
11 Qred Bank
qred.de
 46.4
12 CrefoFactoring
crefo-factoring.de
 46.1
13 Debeka
debeka.de
 45.9
14 Continentale Versicherung
continentale.de
 44.8
15 Getmoss
getmoss.com
 44.5
16 Finom
finom.co
 44.0
17 HUK-COBURG
huk-coburg.de
 43.8
18 N26
n26.com
 43.8
19 Vivid Germany
vivid.money
 43.3
20 ARAG Versicherung
arag.de
 42.9
21 ADELTA.FINANZ
adeltafinanz.com
 42.4
22 Canada Life
canadalife.com
 41.9
23 Alte Leipziger
alte-leipziger.de
 41.7
24 TRADERS PLACE
tradersplace.de
 40.8
25 Lohnhelden
lohnhelden.net
 40.5
26 Handwerkskapital
handwerkskapital.de
 40.4
27 SIGNAL IDUNA
signal-iduna.de
 40.2
28 Tax Sparrow
tax-sparrow.de
 40.1
29 Kontist
kontist.com
 40.1
30 Smartbrokerplus
smartbrokerplus.de
 40.1
31 fixversichert
fixversichert.de
 39.4
32 S-Factoring
s-factoring.de
 38.9
33 iwoca
iwoca.de
 38.9
34 Finanzen
finanzen.net
 38.8
35 LVM Versicherung
lvm.de
 38.5
36 Finanztip
finanztip.de
 37.9
37 CHECK24
check24.de
 37.9
38 PostBank
postbank.de
 37.6
39
Deutscher Ring
deutscherring.de
 37.1
40 Wuestenrot
wuestenrot.de
 37.1
41 Schwaebisch-Hall
schwaebisch-hall.de
 36.6
42 DKB
dkb.de
 36.3
43 comdirect
comdirect.de
 36.2
44 DAS FACTORINGINSTITUT
factoringinstitut.de
 36.0
45 Gewerbeversicherungen online vergleichen
gewerbeversicherung.de
 35.7
46 Pliant
pliant.app
 35.2
47 Holvi
holvi.com
 35.2
48 DATEV
datev.de
 34.9
49 Wolf Factoring
wolf-factoring.de
 34.8
50 Swiss Life
swisslife.de
 33.9
51 Qonto
qonto.com
 33.8
52 Puls Project
pulsproject.com
 33.6
53 flatex
flatex.de
 33.1
54 ERGO
ergo.de
 33.0
55 FIAON
fiaon.com
 32.8
56 Reisetopia
reisetopia.de
 32.8
57 Finanziero
finanziero.de
 32.8
58 Wentio
wentio.com
 32.8
59
Regiofactor
regiofactor.com
 32.8
60 Ginkgo-Hq
ginkgo-hq.de
 32.8
61 De
de.marketscreener.com
 32.8
62 Das Vergleichsportal für Ihre Finanzen!
vergleich.de
 32.8
63 Vanguard Asset Management
vanguard.co.uk
 32.8
64 VHV Versicherungen
vhv.de
 32.8
65 Finanzchef24
finanzchef24.de
 32.8
66 CosmosDirekt
cosmosdirekt.de
 32.4
67 ficon Vermögensmanagement
ficon.de
 31.7
68 Sparkasse Bochum
sparkasse-bochum.de
 31.7
69 finway
finway.de
 31.5
70 abcfinance
abcfinance.de
 31.3
71 ALTE OLDENBURGER
alte-oldenburger.de
 31.3
72 Tide Business
tide.co
 31.2
73 Sparkasse-Oderspree
sparkasse-oderspree.de
 31.2
74 Helvetia
helvetia.com
 31.0
75 HDI
hdi.de
 30.9
76 Brex
brex.com
 30.5
77 Payhawk logo
payhawk.com
 30.5
78 Blockpit
blockpit.io
 30.5
79 Stiftung Warentest
test.de
 30.5
80 Scopevisio
scopevisio.com
 30.5
81 Adler Rechnungsservice
adler-rechnungsservice.de
 30.5
82 Lohnabrechnung24
lohnabrechnung24.com
 30.5
83 Connect PMU
connect-pmu.de
 30.5
84 iShares
ishares.com
 30.5
85 Anwalt
anwalt.de
 30.5
86 L-Bank
l-bank.de
 30.5
87 SI WorkLife Exklusiv Plus 30.5
88 SBU 24 Premium Exklusiv 30.5
89 DIVIDEND Selection 30.5
90 Deinefirmenversicherung
deinefirmenversicherung.de
 29.8
91 Hdi
hdi.global
 29.4
92 Deutsche Bank
deutsche-bank.de
 28.7
93 HanseMerkur
hansemerkur.de
 28.7
94 Alpin
alpin.it
 28.2
95 Bitpanda
bitpanda.com
 28.2
96 A.B.S. Factoring
abs-factoring.at
 28.2
97 Ruv
ruv.de
 28.2
98 Gelo-Lohn
gelo-lohn.de
 28.2
99 Suedwestbank
suedwestbank.de
 28.2
100 auxmoney
auxmoney.com
 28.2

Showing 100 of 200 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.

Check your own brand

How visible is your brand?

See, for free, whether ChatGPT and Gemini recommend your brand in Finance & Fintech.

Scan brand for free Get in Touch

Complete brand ranking, AI citations per model, and methodology. Direct download, no email required.

Download PDF

Methodology

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. August 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.

All industry reports →

How to cite

If you use numbers from this report, please cite it like this:

Achtung.app (2026): Finance & Fintech — August 2026. Industry report, data as of August 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

Aggregated observations across all industries are in the latest insights.