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

Finzly

finzly.com

Banking and fintech infrastructureFinancial technology and data

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
513 of 2,219
its rank by overall score
Place in its category
75th of 315 fintech infrastructure companies
Closing balance

Named in

2of 60 answers

by 2 of 4 assistants

Statement note

What this means for Finzly

AI assistants rarely name this fintech infrastructure company, mentioning it in 2 out of 60 answers. In a sector where the typical company is named in 1.7% of answers, this company is named in 3.3%. Its overall score is 37 out of 100, ranking 513th of 2,219 companies. Its website passes 5 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Finzly by name. AI assistants named it in 2 of the 60 answers. Counting only how often it is named, it ranks 223rd of 574 in its sector. The typical financial technology and data company is named in 1.7% 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
37Overall score
  • Visibility5
  • Citations2
  • Sentiment100
  • Site quality73
  • AI readiness43
Summary of account
Named by AI in
3.3%
2 of 60 answers
Share of mentions
10.0%
of the mentions of it and its 5 peers
AI readiness
5/14
technical checks passed. Typical for its sector: 4
Rank in its sector
152 of 574
by overall score, where the typical financial technology and data company scores 29

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Line itemsSection 01

Every question, and where the company came up

Finzly came up on 1 of 15 questions. Open any window to read that answer.

  1. 01Typical pricing models for cloud-based banking operating system platforms in the U.S.0/4
  2. 02Alternatives to all-in-one banking operating system platforms for digital transformation0/4
  3. 03How can financial institutions leverage a unified treasury and payments platform to enhance digital customer experience?0/4
  4. 04Differences between banking-as-a-service platforms and standalone payment systems for banks0/4
  5. 05What should banks consider before purchasing a digital banking operating system with integrated FX and real-time payment support?0/4
  6. 06How to resolve challenges with integrating legacy systems into a new banking operating system platform0/4
  7. 07Common issues banks face when implementing real-time payment solutions and how to overcome them0/4
  8. 08What are the top banking operating system platforms for U.S. banks looking to unify payments, accounts, and treasury management?0/4
  9. 09Is investing in a unified payments and treasury platform worth it for regional banks wanting to modernize their infrastructure?0/4
  10. 10Examples of how midsize U.S. banks use embedded banking platforms to support fintech partnerships0/4
  11. 11How does a modern banking operating system platform compare to traditional core banking systems?0/4
  12. 12Best alternatives to unified digital banking platforms for automating international payments and account management0/4
  13. 13Best cloud-based banking platforms for financial institutions seeking real-time payments and embedded banking capabilities2/4
  14. 14What are some options besides banking-as-a-service platforms for banks seeking to modernize payments and treasury?0/4
  15. 15Cost differences between pay-as-you-go and subscription pricing for banking-as-a-service solutions0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 1/15Gemini: 1/15All 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 Perplexity actually said

An answer that names the company

Perplexitynamed the company

“Best cloud-based banking platforms for financial institutions seeking real-time payments and embedded banking capabilities”

The strongest shortlist for financial institutions needing real-time payments plus embedded banking is Finzly, Matera, i2c, Mambu, Thought Machine, Finxact, 10x Banking, and Nymbus. The best choice depends on whether the priority is payments modernization, a new cloud core, card-led embedded finance, or extending an existing core.

Platform · Best fit · Relevant capabilities

Finzly · Banks modernizing payments without replacing the core · Core-independent, API-first payments infrastructure supporting embedded banking, instant payments, ACH, Fedwire, FX, and trad …

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
    Temenos
    6
  2. 02
    Finastra
    6
  3. 03
    Q2
    3
  4. 04
    Nymbus
    1

Share of mentions

CompanyShare
  1. Temenos
    35.0%
  2. Finastra
    30.0%
  3. Q2
    20.0%
  4. Finzly
    10.0%
  5. Nymbus
    5.0%
  6. BankingON
    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
    backbase.com
    18
  2. 02
    sourceforge.net
    8
  3. 03
    finantrix.com
    7
  4. 04
    aciworldwide.com
    6
  5. 05
    sdk.finance
    6
  6. 06
    gartner.com
    6
  7. 07
    slash.com
    6
  8. 08
    pymnts.com
    6
  9. 09
    finzly.com (its own website)
    5
  10. 10
    kansascityfed.org
    4

Finzly is in the study as a fintech infrastructure company.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
1/15
Perplexity
1/15
Claude
0/15
OpenAI
0/15
Market comparisonSection 06

How Finzly 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
5

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

Citations
2

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
43

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 financial technology and data companies

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

Overall score
37
Ranks 152 of 574. Typical company: 29
Named in answers
3.3%
Ranks 223 of 574. Typical company: 1.7%
AI readiness
43
Ranks 29 of 574. Typical company: 29
Against its categorySection 08

Compared with fintech infrastructure companies

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

Overall score
37
Ranks 63 of 315. Typical company: 28
Named in answers
3.3%
Ranks 100 of 315. Typical company: 1.7%
AI readiness
43
Ranks 17 of 315. 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 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals

The website turns away requests that do not come from a browser. AI agents that say what they are meet the same refusal.

Can an AI agent check out here?

Not by itself. Finzly 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.txtPublished
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
100 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 headersCould not check

    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
50 of 100
  • Markdown negotiationNot met

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

    study: 6.2%
  • llms.txtPassed

    An llms.txt that tells language models what the site offers.

    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 38 of 100 · 92% of checks could run · checked on October 9, 2026 · finzly.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

5 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%
  • PassedHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Passedllms.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

  • GPTBotallowed
  • ClaudeBotallowed
  • Anthropic-AIallowed
  • Google-Extendedallowed
  • Applebot-Extendedallowed
  • Meta-ExternalAgentallowed
  • FacebookBotallowed
  • Bytespiderallowed
  • CCBotallowed
  • Diffbotallowed
  • Omgilibotallowed

AI search

  • OAI-SearchBotallowed
  • Claude-SearchBotallowed
  • PerplexityBotallowed
  • Applebotallowed
  • Amazonbotallowed
  • YouBotallowed

Answering questions

  • ChatGPT-Userallowed
  • Claude-Userallowed
  • Perplexity-Userallowed
  • DuckAssistBotallowed
  • MistralAI-Userallowed

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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