Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
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MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Citi

citi.com

Large national banksBanking

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
648 of 2,219
its rank by overall score
Place in its category
14th of 61 large national banks
Closing balance

Named in

2of 60 answers

by 1 of 4 assistants

Statement note

What this means for Citi

AI assistants rarely name Citi in their answers: it appears in only 2 out of 60 answers. Its overall score is 35 out of 100, ranking 648th of 2,219 companies, and above the typical company in its sector. Citi's website passes 3 of 14 technical checks for readiness for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Citi by name. AI assistants named it in 2 of the 60 answers. Counting only how often it is named, it ranks 136th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Named fewer than three times in total. Read this as a sign that AI assistants rarely bring this company up, not as an exact comparison with its peers.

Overall score
35Overall score
  • Visibility6
  • Citations0
  • Sentiment100
  • Site quality73
  • AI readiness21
Summary of account
Named by AI in
3.3%
2 of 60 answers
Share of mentions
13.3%
of the mentions of it and its 5 peers
AI readiness
3/14
technical checks passed. Typical for its sector: 3
Rank in its sector
92 of 394
by overall score, where the typical banking company scores 28

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Line itemsSection 01

Every question, and where the company came up

Citi came up on 2 of 15 questions. Open any window to read that answer.

  1. 01Alternatives to traditional personal loans for borrowing money0/4
  2. 02Best ways to use credit cards to build a positive credit history0/4
  3. 03Common closing costs to expect when applying for a mortgage0/4
  4. 04How to choose a mortgage for a first-time homebuyer with limited down payment0/4
  5. 05Options for saving money outside of regular savings accounts0/4
  6. 06Best checking accounts for everyday spending and bill payments in the US0/4
  7. 07Differences between online savings accounts and high-yield savings accounts0/4
  8. 08How do fixed-rate and variable-rate mortgages compare for first-time homebuyers?0/4
  9. 09Are personal loans a good choice for debt consolidation?0/4
  10. 10Typical monthly fees for basic checking accounts in the US1/4
  11. 11Is it worth opening a dedicated savings account for emergency funds?0/4
  12. 12What should I do if my credit card application is denied?0/4
  13. 13Other ways to pay for major purchases besides using credit cards0/4
  14. 14Top-rated personal loans for home renovation projects1/4
  15. 15How can I resolve issues with electronic transfers between checking and savings accounts?0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 0/15Gemini: 2/15All assistants: 2/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Gemini actually said

An answer that names the company

Gemininamed the company

“Top-rated personal loans for home renovation projects”

… Citi® Personal Loan: This option is highlighted for its suitability for shorter repayment terms, with a Bankrate score of 4.6 out of 5.

Achieve Personal Loan: Achieve is noted for its rate discounts and has a Bankrate score of 4.5 out of 5. Their APRs range from 6.25% to 35.99%, and they offer loan amounts from $5,000 to $50,000. A minimum credit score of 640 is typically required.

U.S. Bank Home Improvement Personal Loan: U.S. Bank offers fixed APRs as low as 9.24% to 24.99%. Current U.S. Bank clients can borrow up to $50,000, while non-clients may borrow up to $25,0 …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    Chase
    5
  2. 02
    U.S. Bank
    3
  3. 03
    Wells Fargo
    2
  4. 04
    Bank of America
    2

Share of mentions

CompanyShare
  1. Chase
    33.3%
  2. U.S. Bank
    20.0%
  3. Citi
    13.3%
  4. Bank of America
    13.3%
  5. Wells Fargo
    13.3%
  6. PNC Bank
    6.7%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    bankrate.com
    31
  2. 02
    experian.com
    21
  3. 03
    nerdwallet.com
    12
  4. 04
    finance.yahoo.com
    10
  5. 05
    usbank.com
    10
  6. 06
    chase.com
    9
  7. 07
    consumerfinance.gov
    9
  8. 08
    cnbc.com
    7
  9. 09
    forbes.com
    6
  10. 10
    lendingtree.com
    5

Citi is in the study as a large national bank.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
2/15
Perplexity
0/15
Claude
0/15
OpenAI
0/15
Market comparisonSection 06

How Citi compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
6

How often AI assistants name the company, and how that compares with its peers

Citations
0

How often AI uses the company's own website as a source

Sentiment
100

How positively AI describes the company

Site quality
73

How well built the website's own pages are

AI readiness
21

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with banking companies

394 companies in this sector. The gold tick on each bar is the typical company.

Overall score
35
Ranks 92 of 394. Typical company: 28
Named in answers
3.3%
Ranks 136 of 394. Typical company: 0.0%
AI readiness
21
Ranks 199 of 394. Typical company: 29
Against its categorySection 08

Compared with large national banks

61 companies in this category. The gold tick on each bar is the typical company.

Overall score
35
Ranks 13 of 61. Typical company: 27
Named in answers
3.3%
Ranks 20 of 61. Typical company: 1.7%
AI readiness
21
Ranks 27 of 61. Typical company: 21
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Citi publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
0 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 25 of 100 · 97% of checks could run · checked on October 9, 2026 · www.citi.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

3 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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End of statement
All 2,219 companiesHow we measured this
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