AI spreads banking choices across 100 brands, and no single brand holds more than 9.7%.

Four AI models answered 15 buyer questions about banking. AI made 350 choices in those answers. The choices went to 100 different brands.

The AI Shelf — audited brands in colour, every other brand in a stepped grey.

The largest single holding is 34 choices, or 9.7% of the shelf. No banking brand owns the answer to the category. The 15 audited brands hold 55.7% of the shelf together.

TOP LEARNING 01

American Express draws 10 choices from AI from outside the audited set.

Axos Bank and Charles Schwab draw 9 choices each. Marcus by Goldman Sachs draws 7. Bluevine, Found, Regions Bank and Rocket Mortgage draw 4 each. These brands answer the same buyer questions as the audited banks.

TOP LEARNING 02

The 15 audited banks hold 55.7% of the banking shelf.

Brands outside the audited set take the other choices. A bank that tracks only its known rivals can miss these names. AI puts them on the same shelf.

TOP LEARNING 03

AI names 56 banking brands exactly once.

Those single mentions hold 16% of all choices. AI names another 15 brands exactly twice, and they hold 9%. Together 71 of the 100 brands hold 25% of the shelf. A quarter of the banking shelf goes to names that AI gives once or twice.