How 15 major international banks are positioned, compared, and selected — or eliminated — inside AI-mediated decision journeys across ChatGPT, Gemini, Perplexity, and Grok.
Only one institution demonstrates consistent dominance and stability across external AI systems.
Most global banks are validated early but removed during optimisation, rather than excluded at awareness.
Elimination happens at the decision stage, when systems move from comparison to recommendation.
AI systems present final recommendations decisively, even when alternative outcomes exist across platforms.
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AI systems resolve banking decisions through a consistent four-stage sequence. Most institutions are eliminated before the final recommendation — not because they lack credibility, but because they lack decision-stage positioning.
Each institution is assessed through controlled, multi-step decision journeys that simulate how real users ask AI systems to compare, narrow, and ultimately select banks.
Whether institutions are included or excluded as conversations progress. Whether they survive or are displaced during optimisation. Whether they are retained or removed at the final decision step. Whether outcomes are stable or fragmented across AI systems.
Financial strength, regulatory compliance, product quality, or institutional intent. The index measures external AI decision behaviour, not internal bank processes. Scores reflect external AI decision influence, not institutional quality.
Each institution in the index is supported by a standalone Composite+ profile — platform-by-platform outcomes, failure mode analysis, competitive displacement maps, and remediation classification.
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