Innovative Banks 2025: Who’s Leading Digital Banking

Perplexity shows a balanced view with JPMorgan Chase, BNY Mellon, Citi, and Wells Fargo each holding a 4.1% visibility share, indicating moderate recognition for innovation momentum. Its neutral tone suggests no clear frontrunner but highlights these banks as notable players in the innovation landscape.

ChatGPT strongly favors JPMorgan Chase with a leading 12.2% visibility share, followed by Citi and HSBC at 10.2% each, reflecting a positive tone towards their innovation momentum through digital transformation and tech partnerships. It perceives these banks as leaders in adopting advanced financial ecosystems.

Grok distributes visibility more evenly, with JPMorgan Chase at 4.1% alongside newer players like Revolut and Nubank, suggesting a neutral-to-skeptical tone on legacy banks' innovation dominance. It implies a focus on ecosystem competition rather than standalone innovation by legacy institutions.

Gemini gives a slight edge to Chase (likely referring to JPMorgan Chase's consumer arm) at 4.1% visibility share, alongside BoA and Capital One, with a neutral tone focused on user experience innovations like digital banking tools. It perceives these banks as incrementally advancing in retail-focused innovation.

Deepseek shows no strong preference, assigning an equal 2% visibility share to multiple banks including JPMorgan Chase, Citi, and Goldman Sachs, with a neutral tone indicating limited differentiation in innovation momentum. It suggests a broad but shallow recognition of legacy banks' efforts in this space.

ChatGPT shows a clear favorability toward challenger banks, with Monzo and Revolut each holding a significant 14.3% visibility share compared to legacy banks like Barclays (4.1%) and NatWest (2%), suggesting a perception of superior UX through innovation and accessibility. Its sentiment tone is positive toward these brands, likely due to their prominence in discussions around modern banking experiences.

Gemini exhibits a neutral stance with no clear favoritism, as both challenger banks (Monzo, Revolut, Starling) and legacy banks (Barclays, HSBC) share equal 2% visibility, indicating a balanced view on UX capabilities across the spectrum. The sentiment tone remains neutral, reflecting a lack of distinct emphasis on user experience differentiation.

Perplexity leans slightly toward challenger banks like Monzo and Revolut, each with 4.1% visibility share alongside Starling, compared to legacy banks like NatWest and HSBC at 2%, hinting at a perception of stronger UX driven by digital-first approaches. The sentiment tone is mildly positive for challengers, likely tied to their focus on accessibility and innovation.

DeepSeek favors challenger banks, with Monzo and Revolut each at 4.1% visibility share, outpacing legacy banks like Barclays and HSBC at 2%, implying a belief in better UX through agile, user-focused platforms. The sentiment tone is positive toward challengers, emphasizing their edge in modern banking experiences.

ChatGPT shows no clear favorite but highlights a balanced mix of brands like Alipay, WeChat Pay, and DBS (Asia), alongside Revolut and N26 (Europe) and Chime (North America), suggesting a global perspective on banking innovation with a slight lean toward Asian ecosystems for their digital payment dominance. Its tone is neutral, focusing on visibility without explicit endorsement.

Gemini also presents a global view with brands like Alipay and DBS (Asia), Revolut and N26 (Europe), and Nubank (Latin America), but includes traditional players like Goldman Sachs and JPMorgan Chase, indicating a blend of fintech and institutional innovation with a neutral tone. Its perception slightly favors Asian brands for their widespread adoption in digital transactions.

Grok emphasizes Alipay and GrabPay (Asia) alongside Revolut (Europe) with higher visibility shares, suggesting a strong focus on Asia’s mobile-first payment innovations and cross-border fintech solutions. Its tone is positive toward these regions, highlighting their ecosystem scalability and user adoption.

Perplexity leans toward DBS (Asia) and European fintechs like Revolut and Monzo, reflecting a perception of innovation through user-centric digital banking experiences, with a neutral tone that acknowledges regional strengths without favoring one. Asia’s mention of DBS underscores its leadership in digital transformation.

Deepseek highlights Alipay and DBS (Asia) alongside Revolut (Europe) and M-Pesa (Africa), indicating a recognition of Asia’s dominance in digital payment ecosystems and mobile banking innovation. Its tone is neutral, focusing on the diversity of regional contributions to banking innovation.

ChatGPT favors Revolut, DBS, and Monzo, each with a 4.1% visibility share, likely due to their strong reputation for digital innovation and user-friendly platforms in banking. Its positive sentiment suggests innovation is a significant driver, though the inclusion of regulatory bodies like FDIC hints at the need for credibility alongside innovation.

Grok equally highlights Revolut, DBS, Chime, Wells Fargo, McKinsey & Company, and Monzo at 4.1% visibility share, reflecting a positive tone toward innovation-driven growth, especially for digital-first banks. However, the inclusion of traditional players like Wells Fargo and consultancies like McKinsey suggests innovation must integrate with established market trust to drive brand expansion.

Perplexity shows a neutral tone with equal visibility (2%) for Revolut, DBS, Monzo, and Emirates NBD, indicating no strong favoritism but recognizing innovation in digital banking as a growth factor. Its perception leans on innovation being important but not sufficient alone, as regional diversity suggests market adaptation plays a role.

Deepseek presents a neutral sentiment, with equal 2% visibility for Revolut, DBS, Monzo, and others like JPMorgan Chase and Apple, suggesting innovation is a growth driver for digital banks but not exclusive to them. The inclusion of tech giants like Apple implies that ecosystem integration is critical alongside pure banking innovation.

Gemini equally distributes 2% visibility to Starling, Revolut, DBS, Chime, and Monzo, with a positive tone toward innovation in user experience as a growth catalyst for neobanks. Its perception underscores that while innovation is key, the lack of standout visibility for any single brand hints at the need for broader market differentiation.

DBS stands out with a leading visibility share of 12.2%, suggesting a strong association with digital and fintech innovation. The model’s positive sentiment highlights DBS’s reputation for advanced digital banking solutions and ecosystem integration.

No clear favorite emerges, as visibility is evenly distributed at 2% across multiple brands, including DBS and JPMorgan Chase, with a neutral sentiment. The model lacks depth in reasoning for innovation leadership, focusing more on broad brand mentions.

DBS, Goldman Sachs, JPMorgan Chase, and Revolut share equal visibility at 4.1%, with a neutral-to-positive tone towards their digital innovation efforts. The model perceives these banks as key players in fintech adoption and user-centric digital tools.

DBS and JPMorgan Chase are among the brands mentioned with a 2% visibility share, alongside others, reflecting a neutral tone without a dominant leader. The model implies a balanced view of innovation across traditional and emerging fintech ecosystems.