The Shelf — occupancy of the AI recommendation surface
The shelf is every moment an AI hands a shopper a recommendation: 15 consumer queries × 4 models = 60 moments. A moment is claimed when a model names any brand in the cohort. This quarter 56 are claimed and 4 sit empty.
Most trustworthy
First checking
Switching
College young
Build credit
Retirees long term
Gig workers
Mortgage
Hysa
Credit cards
Mobile app
Customer service
Workplace culture
Best bank *
Fraud stolen card *
Claimed
12 / 15
15 / 15
14 / 15
15 / 15
Tile size = position in the answer (largest = named first) unclaimed moment
The Shelf
The Full Shelf view captures the top seven brands in each query, across each model regardless of the cohort frame. This is a true, moment in time, snapshot of the shelf set AI is choosing from.
Most trustworthy
PT Bank Central Asia (BCA)
State Bank of India (SBI)
United Bank
Banner Bank
KfW
First checking
Switching
College young
Build credit
First Tech Federal Credit Union
DCU (Digital Federal Credit Union)
Self
Digital Federal Credit Union
Self
Retirees long term
Regions Bank
Synchrony Bank
Gig workers
Mortgage
Rocket Mortgage
Better.com
Tomo Mortgage
Veterans United Home Loans
Rocket Mortgage
Better Mortgage
Hysa
Axos Bank
Orsa Credit Union
CIT Bank
Marcus by Goldman Sachs
Vibrant Credit Union
GO2bank
CIT Bank
Marcus by Goldman Sachs
Synchrony Bank
Credit cards
Mobile app
Huntington
Regions Bank
Charles Schwab
Marcus by Goldman Sachs
Customer service
Charles Schwab
American Express
Wintrust
BancFirst
Wintrust Community Banks
BancFirst
Bangor Savings Bank
Unite Community Bank
Frost Bank
Wintrust Community Banks
Workplace culture
Evercore
Fidelity Investments
Morgan Stanley
Lazard
PJT Partners
Fidelity Investments
Evercore
Clearsight Advisors
DC Advisory
Pinnacle Financial Partners
Wood & Huston Bank
Oakworth Capital Bank
Best bank
Heartland Bank and Trust
Ameris
HBT Financial / Heartland Bank and Trust
Fraud stolen card
Tile size = position in the answer (largest = named first) unclaimed moment
The long tail
The chart shows the first 7 brands in each answer. 63 further recommendations sit below that line, and 25 brands appear nowhere else — they were never named in the top 7 of any single answer. 24 of those were named exactly once. The most persistent of them are Current, AmeriSave, BNG Bank, BTG Pactual Bank, Citizens Bank — none frequent enough to reach the chart, all real recommendations given to someone asking. The tail is the finding: below the leaders this category has no consensus at all, and the brands filling that space are not the ones any incumbent is watching.
Current · AmeriSave · BNG Bank · BTG Pactual Bank · Citizens Bank · Cornerstone Bank · E*TRADE · FirstBank · Flagstar Bank · Frost · Gate City Bank · Goldman Sachs · Landwirtschaftliche Rentenbank · Lloyds · Newrez · Paragon Bank · Peoples Bank · Real Genius · Revolut · Royal Bank of Canada (RBC) · Self.inc · Toronto-Dominion Bank (TD) · United Wholesale Mortgage · Vanguard · Zuercher Kantonalbank
