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

Kikoff

kikoff.com

Personal, auto and student lendingLending and credit

Money20/20 attendee

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

Named in

10of 60 answers

by 4 of 4 assistants

Statement note

What this means for Kikoff

AI assistants name this consumer lender in 16.7% of answers, which is more often than the typical company in its sector at 3.3%. Kikoff has an overall score of 34 out of 100, ranking 671st of 2,219. Its website passes 4 of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Kikoff by name. AI assistants named it in 10 of the 60 answers. Counting only how often it is named, it ranks 15th of 93 in its sector. The typical lending and credit company is named in 3.3% of answers.

Overall score
34Overall score
  • Visibility14
  • Citations3
  • Sentiment77
  • Site quality67
  • AI readiness29
Summary of account
Named by AI in
16.7%
10 of 60 answers
Share of mentions
11.4%
of the mentions of it and its 5 peers
AI readiness
4/14
technical checks passed. Typical for its sector: 4
Rank in its sector
34 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

Kikoff came up on 4 of 15 questions. Open any window to read that answer.

  1. 01Options for credit building if I don't want to pay a subscription fee0/4
  2. 02Using credit builder accounts to improve age of credit and utilization ratio0/4
  3. 03What are some non-loan ways to build credit quickly in the US?0/4
  4. 04Differences between rent reporting and bill reporting for credit building0/4
  5. 05Alternatives to digital credit-building services for establishing credit0/4
  6. 06Best digital tools to build credit quickly in the US4/4
  7. 07How can digital credit platforms help rebuild bad credit in the US?0/4
  8. 08Average cost of credit-monitoring and credit-building subscriptions in the US2/4
  9. 09Are credit-building fintech platforms worth the monthly fee?2/4
  10. 10How to fix errors when my digital credit builder isn't updating my credit score0/4
  11. 11Credit builder loans vs secured credit cards for improving scores0/4
  12. 12How to start building credit from scratch online0/4
  13. 13What features should I look for in a credit improvement app?0/4
  14. 14Why isn't my payment history showing up on my credit report after using a credit builder tool?0/4
  15. 15Which credit improvement platforms offer the best value for basic services?2/4
Total namedOpenAI: 2/15Claude: 3/15Perplexity: 2/15Gemini: 3/15All assistants: 10/60
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

“Which credit improvement platforms offer the best value for basic services?”

… Kikoff · Low-cost credit building · Plans start at $5/month; better suited to establishing positive payment history than repairing inaccurate information.

Experian Boost · Free, limited score improvement · Free service that may add eligible utility, phone, and streaming payments to an Experian credit file; it does not dispute errors or affect all bureaus.

Self · Thin or limited credit history · Builds credit through a secured installment-loan product that reports payments to Experian, TransUnion, and Equifax.

The Credit Pros · Budgeting plus cre …

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
    Self
    13
  2. 02
    Grow Credit
    7
  3. 03
    CreditStrong
    3

Share of mentions

CompanyShare
  1. Experian Boost
    58.0%
  2. Kikoff
    11.4%
  3. Self
    10.2%
  4. Chime Credit Builder
    8.0%
  5. CreditStrong
    6.8%
  6. Grow Credit
    5.7%
ReferrersSection 04

Websites the AI used as sources

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

  1. 01
    experian.com
    29
  2. 02
    thecreditpeople.com
    22
  3. 03
    firstcard.app
    20
  4. 04
    blog.kikoff.com
    14
  5. 05
    bankrate.com
    11
  6. 06
    chase.com
    10
  7. 07
    consumerfinance.gov
    9
  8. 08
    capitalone.com
    9
  9. 09
    creditkarma.com
    8
  10. 10
    self.inc
    8

Kikoff is in the study as a consumer lender.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
3/15
Claude
3/15
Perplexity
2/15
OpenAI
2/15
Market comparisonSection 06

How Kikoff 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
14

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

Citations
3

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

Sentiment
77

How positively AI describes the company

Site quality
67

How well built the website's own pages are

AI readiness
29

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
34
Ranks 34 of 93. Typical company: 31
Named in answers
16.7%
Ranks 15 of 93. Typical company: 3.3%
AI readiness
29
Ranks 24 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
34
Ranks 14 of 62. Typical company: 28
Named in answers
16.7%
Ranks 3 of 62. Typical company: 1.7%
AI readiness
29
Ranks 16 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 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. Kikoff 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 · kikoff.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

4 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%
  • 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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ShareSection 12

Share this result

Overall score 34 of 100 badge for Kikoff

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/kikoff.com"><img src="https://aeo-audit.rezolve.com/finance/badges/kikoff.com.svg" alt="Overall score 34 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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