ARA Financial Services / Q3 2026 / Full Shelf Diagnostic

JPMorgan Chase takes more places on the shelf than any brand ARA measures.

Why these three lead the shelf
1. JPMorgan Chasechosen 18× / 6.4% / 4/4 models

All four models name JPMorgan Chase, and it appears in answers to 8 questions, the widest spread on this shelf. The models rank it first at best, so it sits at the front of answers as well as across many of them.

2. Visachosen 17× / 6.1% / 4/4 models

The models give Visa 17 places from only 7 questions, so they name it again and again inside a narrow band. All four models name it, and its best rank is one.

3. Mastercardchosen 15× / 5.4% / 4/4 models

All four models name Mastercard across 7 questions, and its best rank is one. It holds 15 places, two fewer than Visa, so the two card networks sit side by side on this shelf.

About the AI Shelf
The AI Shelf is the short list of names an AI assistant gives when someone asks what to buy. ChatGPT, Claude, Gemini and Perplexity answer the questions a real buyer asks, and every brand they name lands on the shelf. Your customer sees it before they see yours, and nobody can pay for position on it.
Each time a model chooses a brand over every other brand it could have named, that counts once. 280 choices were made here. Slice size is share of all of them.
32.5%held by the 17 audited brands
131brands chosen in total
6.4%largest holding / JPMorgan Chase
The takeaway
The models spread 280 choices across 131 brands, so no single brand owns the shelf. The 17 measured brands hold 32.5% of the places, and banks and card networks outside that set take the rest. Nasdaq and Venmo take no place in any of the 15 questions.
ARA JPMorgan Chase — chosen 18x (6.4%) / 4/4 models (Cl, GPT, Gm, Px) / 8 of 15 questions / best rank #1Visa — chosen 17x (6.1%) / 4/4 models (Cl, GPT, Gm, Px) / 7 of 15 questions / best rank #1Mastercard — chosen 15x (5.4%) / 4/4 models (Cl, GPT, Gm, Px) / 7 of 15 questions / best rank #1Goldman Sachs — chosen 9x (3.2%) / 3/4 models (Cl, GPT, Gm) / 5 of 15 questions / best rank #1Morgan Stanley — chosen 7x (2.5%) / 3/4 models (Cl, GPT, Gm) / 4 of 15 questions / best rank #2Bank of America — chosen 6x (2.1%) / 3/4 models (GPT, Gm, Px) / 5 of 15 questions / best rank #2S&P Global — chosen 6x (2.1%) / 4/4 models (Cl, GPT, Gm, Px) / 3 of 15 questions / best rank #1USAA — chosen 6x (2.1%) / 2/4 models (Gm, Px) / 4 of 15 questions / best rank #1Vanguard — chosen 6x (2.1%) / 3/4 models (Cl, GPT, Gm) / 5 of 15 questions / best rank #1BlackRock — chosen 5x (1.8%) / 2/4 models (Cl, Gm) / 3 of 15 questions / best rank #2Capital One — chosen 5x (1.8%) / 2/4 models (GPT, Gm) / 4 of 15 questions / best rank #2Chase — chosen 5x (1.8%) / 3/4 models (GPT, Gm, Px) / 4 of 15 questions / best rank #1Fidelity — chosen 5x (1.8%) / 4/4 models (Cl, GPT, Gm, Px) / 3 of 15 questions / best rank #1Navy Federal Credit Union — chosen 5x (1.8%) / 1/4 models (Gm) / 5 of 15 questions / best rank #2American Express — chosen 4x (1.4%) / 4/4 models (Cl, GPT, Gm, Px) / 4 of 15 questions / best rank #1Bloomberg — chosen 4x (1.4%) / 4/4 models (Cl, GPT, Gm, Px) / 1 of 15 questions / best rank #1Charles Schwab — chosen 4x (1.4%) / 3/4 models (GPT, Gm, Px) / 3 of 15 questions / best rank #1Moody's — chosen 4x (1.4%) / 2/4 models (Cl, Gm) / 3 of 15 questions / best rank #4Stripe — chosen 4x (1.4%) / 4/4 models (Cl, GPT, Gm, Px) / 2 of 15 questions / best rank #1BBVA — chosen 3x (1.1%) / 3/4 models (Cl, GPT, Gm) / 1 of 15 questions / best rank #2Berkshire Hathaway — chosen 3x (1.1%) / 2/4 models (Cl, Gm) / 2 of 15 questions / best rank #1Citi — chosen 3x (1.1%) / 2/4 models (GPT, Gm) / 2 of 15 questions / best rank #3Citibank — chosen 3x (1.1%) / 1/4 models (GPT) / 3 of 15 questions / best rank #3DBS — chosen 3x (1.1%) / 3/4 models (Cl, GPT, Px) / 2 of 15 questions / best rank #3J.P. Morgan — chosen 3x (1.1%) / 2/4 models (GPT, Px) / 3 of 15 questions / best rank #1Morningstar — chosen 3x (1.1%) / 3/4 models (Cl, GPT, Gm) / 1 of 15 questions / best rank #4Ramp — chosen 3x (1.1%) / 3/4 models (Cl, Gm, Px) / 1 of 15 questions / best rank #1Square — chosen 3x (1.1%) / 3/4 models (Cl, GPT, Gm) / 1 of 15 questions / best rank #2Ally Bank — chosen 2x (0.7%) / 1/4 models (Gm) / 2 of 15 questions / best rank #3Bilt — chosen 2x (0.7%) / 2/4 models (Cl, Gm) / 1 of 15 questions / best rank #4BNY — chosen 2x (0.7%) / 2/4 models (Cl, GPT) / 2 of 15 questions / best rank #1CME Group — chosen 2x (0.7%) / 2/4 models (Cl, Gm) / 2 of 15 questions / best rank #2DBS Bank — chosen 2x (0.7%) / 2/4 models (GPT, Px) / 1 of 15 questions / best rank #2FactSet — chosen 2x (0.7%) / 2/4 models (GPT, Gm) / 1 of 15 questions / best rank #3Fiserv — chosen 2x (0.7%) / 1/4 models (GPT) / 2 of 15 questions / best rank #3JPMorgan — chosen 2x (0.7%) / 1/4 models (Cl) / 2 of 15 questions / best rank #1Mercury — chosen 2x (0.7%) / 2/4 models (Cl, Gm) / 1 of 15 questions / best rank #2PayPal — chosen 2x (0.7%) / 2/4 models (Cl, GPT) / 2 of 15 questions / best rank #4PNC — chosen 2x (0.7%) / 1/4 models (Gm) / 2 of 15 questions / best rank #4PwC — chosen 2x (0.7%) / 2/4 models (GPT, Px) / 2 of 15 questions / best rank #4Robinhood — chosen 2x (0.7%) / 2/4 models (Cl, Gm) / 1 of 15 questions / best rank #2State Street — chosen 2x (0.7%) / 2/4 models (Cl, GPT) / 1 of 15 questions / best rank #4SWIFT — chosen 2x (0.7%) / 2/4 models (GPT, Gm) / 2 of 15 questions / best rank #6TD Bank — chosen 2x (0.7%) / 1/4 models (GPT) / 2 of 15 questions / best rank #3U.S. Bank — chosen 2x (0.7%) / 2/4 models (GPT, Gm) / 2 of 15 questions / best rank #4Allianz — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #6Alvarez & Marsal — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #2Ant Group — chosen 1x (0.4%) / 1/4 models (Cl) / 1 of 15 questions / best rank #4BancFirst — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #3Bank of New York Mellon — chosen 1x (0.4%) / 1/4 models (Cl) / 1 of 15 questions / best rank #3Barclays — chosen 1x (0.4%) / 1/4 models (Cl) / 1 of 15 questions / best rank #4Basel Committee on Banking Supervision — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #3BECU — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #3Beneficial State Bank — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #6Bernstein — chosen 1x (0.4%) / 1/4 models (Cl) / 1 of 15 questions / best rank #6BIAN — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #7Blackstone — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #4BNY Mellon — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #7Brex — chosen 1x (0.4%) / 1/4 models (Cl) / 1 of 15 questions / best rank #4CBC Companies — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #5CFGI — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #1Chase Bank — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #1Chime — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #5Circle — chosen 1x (0.4%) / 1/4 models (Cl) / 1 of 15 questions / best rank #3Citigroup — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #4CorpCapDirect — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #6CrowdStrike — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #5Deloitte — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #5Discover Bank — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #7Edward Jones — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #5Euromoney Insight — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #3Evercore — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #5Federal Reserve — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #2FICO — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #5Financial Stability Board — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #4Finastra — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #2First Citizens Bancshares, Inc. — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #3FIS — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #1FLG Partners — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #7Found — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #1Frost Bank — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #1FTI Consulting — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #4Houlihan Lokey — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #7HPE — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #4IBM — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #3ICE — chosen 1x (0.4%) / 1/4 models (Cl) / 1 of 15 questions / best rank #6Intercontinental Exchange — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #3ISO 20022 — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #5Justice Finance — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #4Klarna — chosen 1x (0.4%) / 1/4 models (Cl) / 1 of 15 questions / best rank #7Kroll — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #1Lazard — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #6Lendio — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #5LSEG — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #3Mandiant — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #2MassMutual — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #6Merrill — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #4Microsoft — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #2Mizuho — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #3MSCI — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #2Northbrook Bank & Trust Co. — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #7Northern Trust — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #2Northwestern Mutual — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #5Nu Holdings — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #5Progressive — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #4Protiviti — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #3QuickFi — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #6Refinitiv — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #5Revolut — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #7RFI Global — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #4Royal Bank of Canada — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #4RSM — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #3S&P Dow Jones Indices — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #1Schwab Bank — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #2SecurityScorecard — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #6Shopify — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #3Shopify Capital — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #3SS&C Technologies — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #2Starling Bank — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #3StepChange — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #7Stroz Friedberg — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #3Symphony — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #3TCS BaNCS — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #5Thomson Reuters — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #6Triodos Bank — chosen 1x (0.4%) / 1/4 models (Px) / 1 of 15 questions / best rank #2United Bank — chosen 1x (0.4%) / 1/4 models (Gm) / 1 of 15 questions / best rank #4United Community Bank — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #2Wells Fargo — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #5Zurich Insurance — chosen 1x (0.4%) / 1/4 models (GPT) / 1 of 15 questions / best rank #5Nasdaq — never named by any model, on any of the 15 queriesVenmo — never named by any model, on any of the 15 queries17 named twice12% of the shelf84 named once30% of the shelfJPMorgan Chase / 18Visa / 17Mastercard / 15Goldman Sachs / 9Morgan Stanley / 7Bank of America / 6S&P Global / 6USAA / 6Vanguard / 6BlackRock / 5Capital One / 5Chase / 5Fidelity / 5Navy Federal Credit Union / 5American Express / 4Bloomberg / 4Charles Schwab / 4Moody's / 4Stripe / 4131BRANDS / CHOSEN 280 TIMESaudited brands hold 32.5%
In the current ARA IndexNot currently in the ARA Index — shaded by rank, darkest = chosen least often
All 131 chosen — the annotated ranking
#NameChosenShareModelsBestΔ
1JPMorgan Chase186.4%4/4#1—
2Visa176.1%4/4#1—
3Mastercard155.4%4/4#1—
4Goldman Sachs93.2%3/4#1—
5Morgan Stanley72.5%3/4#2—
6Bank of America62.1%3/4#2—
7S&P Global62.1%4/4#1—
8USAA62.1%2/4#1—
9Vanguard62.1%3/4#1—
10BlackRock51.8%2/4#2—
11Capital One51.8%2/4#2—
12Chase51.8%3/4#1—
13Fidelity51.8%4/4#1—
14Navy Federal Credit Union51.8%1/4#2—
15American Express41.4%4/4#1—
16Bloomberg41.4%4/4#1—
17Charles Schwab41.4%3/4#1—
18Moody's41.4%2/4#4—
19Stripe41.4%4/4#1—
20BBVA31.1%3/4#2—
21Berkshire Hathaway31.1%2/4#1—
22Citi31.1%2/4#3—
23Citibank31.1%1/4#3—
24DBS31.1%3/4#3—
25J.P. Morgan31.1%2/4#1—
26Morningstar31.1%3/4#4—
27Ramp31.1%3/4#1—
28Square31.1%3/4#2—
29Ally Bank20.7%1/4#3—
30Bilt20.7%2/4#4—
31BNY20.7%2/4#1—
32CME Group20.7%2/4#2—
33DBS Bank20.7%2/4#2—
34FactSet20.7%2/4#3—
35Fiserv20.7%1/4#3—
36JPMorgan20.7%1/4#1—
37Mercury20.7%2/4#2—
38PayPal20.7%2/4#4—
39PNC20.7%1/4#4—
40PwC20.7%2/4#4—
41Robinhood20.7%2/4#2—
42State Street20.7%2/4#4—
43SWIFT20.7%2/4#6—
44TD Bank20.7%1/4#3—
45U.S. Bank20.7%2/4#4—
46Allianz10.4%1/4#6—
47Alvarez & Marsal10.4%1/4#2—
48Ant Group10.4%1/4#4—
49BancFirst10.4%1/4#3—
50Bank of New York Mellon10.4%1/4#3—
51Barclays10.4%1/4#4—
52Basel Committee on Banking Supervision10.4%1/4#3—
53BECU10.4%1/4#3—
54Beneficial State Bank10.4%1/4#6—
55Bernstein10.4%1/4#6—
56BIAN10.4%1/4#7—
57Blackstone10.4%1/4#4—
58BNY Mellon10.4%1/4#7—
59Brex10.4%1/4#4—
60CBC Companies10.4%1/4#5—
61CFGI10.4%1/4#1—
62Chase Bank10.4%1/4#1—
63Chime10.4%1/4#5—
64Circle10.4%1/4#3—
65Citigroup10.4%1/4#4—
66CorpCapDirect10.4%1/4#6—
67CrowdStrike10.4%1/4#5—
68Deloitte10.4%1/4#5—
69Discover Bank10.4%1/4#7—
70Edward Jones10.4%1/4#5—
71Euromoney Insight10.4%1/4#3—
72Evercore10.4%1/4#5—
73Federal Reserve10.4%1/4#2—
74FICO10.4%1/4#5—
75Financial Stability Board10.4%1/4#4—
76Finastra10.4%1/4#2—
77First Citizens Bancshares, Inc.10.4%1/4#3—
78FIS10.4%1/4#1—
79FLG Partners10.4%1/4#7—
80Found10.4%1/4#1—
81Frost Bank10.4%1/4#1—
82FTI Consulting10.4%1/4#4—
83Houlihan Lokey10.4%1/4#7—
84HPE10.4%1/4#4—
85IBM10.4%1/4#3—
86ICE10.4%1/4#6—
87Intercontinental Exchange10.4%1/4#3—
88ISO 2002210.4%1/4#5—
89Justice Finance10.4%1/4#4—
90Klarna10.4%1/4#7—
91Kroll10.4%1/4#1—
92Lazard10.4%1/4#6—
93Lendio10.4%1/4#5—
94LSEG10.4%1/4#3—
95Mandiant10.4%1/4#2—
96MassMutual10.4%1/4#6—
97Merrill10.4%1/4#4—
98Microsoft10.4%1/4#2—
99Mizuho10.4%1/4#3—
100MSCI10.4%1/4#2—
101Northbrook Bank & Trust Co.10.4%1/4#7—
102Northern Trust10.4%1/4#2—
103Northwestern Mutual10.4%1/4#5—
104Nu Holdings10.4%1/4#5—
105Progressive10.4%1/4#4—
106Protiviti10.4%1/4#3—
107QuickFi10.4%1/4#6—
108Refinitiv10.4%1/4#5—
109Revolut10.4%1/4#7—
110RFI Global10.4%1/4#4—
111Royal Bank of Canada10.4%1/4#4—
112RSM10.4%1/4#3—
113S&P Dow Jones Indices10.4%1/4#1—
114Schwab Bank10.4%1/4#2—
115SecurityScorecard10.4%1/4#6—
116Shopify10.4%1/4#3—
117Shopify Capital10.4%1/4#3—
118SS&C Technologies10.4%1/4#2—
119Starling Bank10.4%1/4#3—
120StepChange10.4%1/4#7—
121Stroz Friedberg10.4%1/4#3—
122Symphony10.4%1/4#3—
123TCS BaNCS10.4%1/4#5—
124Thomson Reuters10.4%1/4#6—
125Triodos Bank10.4%1/4#2—
126United Bank10.4%1/4#4—
127United Community Bank10.4%1/4#2—
128Wells Fargo10.4%1/4#5—
129Zurich Insurance10.4%1/4#5—
130Nasdaq00.0%0/4——
131Venmo00.0%0/4——
ARA / ALGORITHM READINESS ANALYSIS / ARACO.AI — 4 models x 15 buyer questions, top 7 answers per cell. MEASURING AI TRUST IN BRANDS.
Naming variants merged before counting: none. Query counts for merged brands are upper bounds.