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
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Finky

finky.la

Personal, auto and student lendingLending and credit

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
1,916 of 2,219
its rank by overall score
Place in its category
51st of 62 consumer lenders
Closing balance

Named in

0of 60, its tower is dark

by 0 of 4 assistants

Statement note

What this means for Finky

AI assistants do not name this consumer lender in any of the 60 answers, while they name others such as MPOWER Financing and Earnest. Its overall score is 24 out of 100, ranking 1,916th of 2,219 companies overall and 78th of 93 in its sector. Its website passes 1 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Finky by name. AI assistants named it in none of the 60 answers. Counting only how often it is named, it ranks 56th of 93 in its sector. The typical lending and credit company is named in 3.3% 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
24Overall score
  • Visibility0
  • Citations0
  • Sentiment50
  • Site quality80
  • AI readiness7
Summary of account
Named by AI in
0.0%
0 of 60 answers
Share of mentions
0.0%
of the mentions of it and its 5 peers
AI readiness
1/14
technical checks passed. Typical for its sector: 4
Rank in its sector
78 of 93
by overall score, where the typical lending and credit company scores 31

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Line itemsSection 01

Every question, and where the company came up

Finky came up on 0 of 15 questions. Open any window to read that answer.

  1. 01What are the best education financing platforms for college students with no credit history in the US?0/4
  2. 02Are there non-loan options for students to cover higher education costs if they lack a credit history?0/4
  3. 03Can I use education financing options to cover courses like psychology or engineering?0/4
  4. 04What can I do if my education financing application is denied due to lack of credit history?0/4
  5. 05Is using a digital platform for college tuition worth it if I don’t have a co-signer?0/4
  6. 06Education financing platforms vs. traditional student loans: which is easier to qualify for?0/4
  7. 07What factors affect interest rates for college financing without a co-signer?0/4
  8. 08Which higher education loan options offer fast digital approvals?0/4
  9. 09What are some alternatives to education financing platforms for paying tuition in the US?0/4
  10. 10How do online student financing platforms help with multi-year college enrollment?0/4
  11. 11How does student financing compare to private bank loans for tuition payments?0/4
  12. 12Why would an instant decision education loan approval take longer than expected?0/4
  13. 13How can students find academic funding if they don’t want to take out a digital platform loan?0/4
  14. 14Are simplified student loan application sites reliable for enrolling in higher education?0/4
  15. 15How do student loan platforms calculate payment plans based on simulated tuition costs?0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 0/15Gemini: 0/15All assistants: 0/60
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 Claude actually said

The company is not named in this answer

Claudedid not name the company

“What are the best education financing platforms for college students with no credit history in the US?”

I'll search for information about education financing platforms designed for college students with no credit history.Based on the search results, here are the best education financing platforms for college students with no credit history in the US:

Federal Student Loans (Best First Option)

If you have no credit, federal student loans should almost always be your first option, as the US Department of Education offers Direct Loans to eligible graduate and undergraduate students, regardless of credit history. The Department of Education doesn't review your credit when you apply for most fede …

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.

Named instead

CompanyTimes named
  1. 01
    MPOWER Financing
    3
  2. 02
    Earnest
    1
  3. 03
    Ascent Funding
    1
  4. 04
    Prodigy Finance
    1

Share of mentions

CompanyShare
  1. MPOWER Financing
    54.5%
  2. Ascent Funding
    18.2%
  3. Earnest
    18.2%
  4. Prodigy Finance
    9.1%
  5. Finky
    0.0%
  6. Climb Credit
    0.0%
ReferrersSection 04

Websites the AI used as sources

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

  1. 01
    studentaid.gov
    11
  2. 02
    cnbc.com
    11
  3. 03
    credible.com
    9
  4. 04
    consumerfinance.gov
    7
  5. 05
    citizensbank.com
    7
  6. 06
    finance.yahoo.com
    7
  7. 07
    sofi.com
    6
  8. 08
    bankrate.com
    6
  9. 09
    lendedu.com
    6
  10. 10
    propelld.com
    5

Finky is in the study as a consumer lender.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

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

How Finky 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
0

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
50

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
7

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 lending and credit companies

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

Overall score
24
Ranks 78 of 93. Typical company: 31
Named in answers
0.0%
Ranks 56 of 93. Typical company: 3.3%
AI readiness
7
Ranks 83 of 93. Typical company: 29
Against its categorySection 08

Compared with consumer lenders

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

Overall score
24
Ranks 49 of 62. Typical company: 28
Named in answers
0.0%
Ranks 34 of 62. Typical company: 1.7%
AI readiness
7
Ranks 56 of 62. Typical company: 29
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 0: Not yet agent-ready. Agents struggle to find basic information about the site.

To reach level 1:
  • 2 of robots.txt, Sitemap, Link headers
Can an AI agent check out here?

Not by itself. Finky 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
0 of 100
  • robots.txtNot met

    Publish a valid robots.txt with crawl rules and a Sitemap line.

    study: 86.1%
  • SitemapNot met

    Serve an XML sitemap and reference it 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
0 of 100
  • AI bot rulesNot 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 0 of 100 · 97% of checks could run · checked on October 9, 2026 · finky.la · 2,200 companies scanned

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

AI readinessSection 10

The checks behind the AI readiness score

1 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

  • Not metrobots.txt publishedstudy: 85.1%
  • Not metXML 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%
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End of statement
All 2,219 companiesHow we measured this
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