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

Live Oak Bank

liveoak.bank

Regional and community banksBanking

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
250 of 2,219
its rank by overall score
Place in its category
12th of 148 regional and community banks
Closing balance

Named in

6of 60 answers

by 4 of 4 assistants

Statement note

What this means for Live Oak Bank

AI assistants name this regional or community bank in 10% of answers, while the typical company in its sector is named in 0% of answers. Its overall score is 40 out of 100, ranking 250th of 2,219 companies. Its website passes 5 of 14 technical checks for how ready it is for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Live Oak Bank by name. AI assistants named it in 6 of the 60 answers. Counting only how often it is named, it ranks 77th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
40Overall score
  • Visibility15
  • Citations0
  • Sentiment83
  • Site quality93
  • AI readiness36
Summary of account
Named by AI in
10.0%
6 of 60 answers
Share of mentions
27.3%
of the mentions of it and its 5 peers
AI readiness
5/14
technical checks passed. Typical for its sector: 3
Rank in its sector
36 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

Live Oak Bank came up on 3 of 15 questions. Open any window to read that answer.

  1. 01Other ways small businesses can maximize return on cash reserves besides business CDs1/4
  2. 02What are the best high-yield savings accounts for small business owners?3/4
  3. 03Is a digital high-yield business savings account worth opening?0/4
  4. 04Business CDs vs business savings accounts—what's better for earning interest?0/4
  5. 05Online business checking vs traditional business checking accounts0/4
  6. 06Why is my online savings account application taking longer to get approved?0/4
  7. 07Typical fees to watch out for with digital business checking accounts0/4
  8. 08Alternatives to high-yield online savings accounts for individuals0/4
  9. 09Best merchant services for small businesses using digital banks0/4
  10. 10How can high-yield savings accounts help individuals reach their financial goals faster?0/4
  11. 11Does opening a business CD make sense for a new small business?0/4
  12. 12How is interest calculated on online business savings accounts?0/4
  13. 13Top online banks offering competitive rates for personal savings in the US2/4
  14. 14What can cause delays when transferring funds between digital bank accounts?0/4
  15. 15Best ways to manage cash flow for small businesses using digital banking services0/4
Total namedOpenAI: 1/15Claude: 1/15Perplexity: 1/15Gemini: 3/15All assistants: 6/60
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 OpenAI actually said

An answer that names the company

OpenAInamed the company

“What are the best high-yield savings accounts for small business owners?”

Short answer: for small business owners the best high-yield options are online business savings / money‑market accounts and business cash-management products that combine a competitive APY with FDIC (or equivalent) protection, low fees, and easy transfers to your business checking. Good choices to evaluate right now are:

Recommended providers (good starting shortlist)

Live Oak Bank — well‑rated business savings and CDs aimed at small businesses; no monthly maintenance on some business savings products and competitive yields. (liveoak.bank)

American …

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
    Axos Bank
    5
  2. 02
    Bluevine
    3
  3. 03
    American Express National Bank
    3
  4. 04
    Ally Bank
    2

Share of mentions

CompanyShare
  1. Live Oak Bank
    27.3%
  2. Bluevine
    22.7%
  3. Axos Bank
    18.2%
  4. Capital One (360 Business and Personal Banking)
    13.6%
  5. Ally Bank
    9.1%
  6. American Express National Bank
    9.1%
ReferrersSection 04

Websites the AI used as sources

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

  1. 01
    nerdwallet.com
    13
  2. 02
    finance.yahoo.com
    9
  3. 03
    business.com
    9
  4. 04
    bluevine.com
    7
  5. 05
    usbank.com
    7
  6. 06
    bankrate.com
    7
  7. 07
    forbes.com
    7
  8. 08
    cnbc.com
    7
  9. 09
    chase.com
    6
  10. 10
    airwallex.com
    6

Live Oak Bank is in the study as a regional or community bank.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
3/15
Claude
1/15
OpenAI
1/15
Perplexity
1/15
Market comparisonSection 06

How Live Oak Bank 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
15

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
83

How positively AI describes the company

Site quality
93

How well built the website's own pages are

AI readiness
36

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
40
Ranks 36 of 394. Typical company: 28
Named in answers
10.0%
Ranks 77 of 394. Typical company: 0.0%
AI readiness
36
Ranks 29 of 394. Typical company: 29
Against its categorySection 08

Compared with regional and community banks

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

Overall score
40
Ranks 12 of 148. Typical company: 27
Named in answers
10.0%
Ranks 16 of 148. Typical company: 0.0%
AI readiness
36
Ranks 9 of 148. 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. Live Oak Bank 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
80 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 DiscoveryPassed

    SVCB or HTTPS records under _agents that advertise agent endpoints.

    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
63 of 100
  • AI bot rulesPassed

    Explicit robots.txt rules for AI crawlers such as GPTBot, ClaudeBot and PerplexityBot.

    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 34 of 100 · 97% of checks could run · checked on October 9, 2026 · www.liveoak.bank · 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%
  • Not metllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • PassedExplicit 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 rules for 5 AI crawlers by name. All others follow its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBot*allowed
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extended*allowed
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBot*allowed
  • Claude-SearchBot*allowed
  • PerplexityBot*allowed
  • 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 40 of 100 badge for Live Oak Bank

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/liveoak.bank"><img src="https://aeo-audit.rezolve.com/finance/badges/liveoak.bank.svg" alt="Overall score 40 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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