Innovative Banks 2025: Who’s Leading Digital Banking

Perplexity shows a balanced visibility share among challenger banks like Monzo, Revolut, and Starling (each at 2.7%) alongside legacy banks like Santander (2.7%) and Barclays (1.4%), suggesting no clear favoritism but a slight edge to challengers in visibility for UX discussions. Its neutral tone indicates an emphasis on accessibility and adoption patterns across both categories.

ChatGPT heavily favors challenger banks, with Revolut and Monzo each at 9.5% visibility share compared to negligible mentions of legacy banks, reflecting a positive sentiment towards their user-centric design and innovative UX features. It highlights ecosystem integration and digital accessibility as key strengths for challengers.

Gemini presents a balanced view with equal visibility for challenger banks like Monzo and Revolut (2.7%) and legacy banks like Barclays and HSBC (2.7%), maintaining a neutral tone focused on user experience comparisons. It suggests both groups are competitive in retail perception of UX but lacks depth on specific advantages.

Grok leans slightly towards challenger banks like Revolut (2.7%) over legacy banks such as HSBC (1.4%) and Wells Fargo (1.4%), with a neutral-to-positive tone on UX innovation for challengers. Its focus is on adoption patterns and ease of use as perceived strengths for digital-first banks.

Deepseek equally represents Monzo and Revolut (2.7%) alongside legacy banks like Barclays (1.4%) and HSBC (1.4%), adopting a neutral tone with an emphasis on accessibility in UX for both. It subtly implies challenger banks lead in community sentiment for seamless digital experiences.

ChatGPT favors DBS and Revolut, each with an 8.2% visibility share, highlighting Asia (DBS from Singapore) and Europe (Revolut from the UK) as hubs for banking innovation, likely due to their pioneering digital banking solutions and user-friendly platforms. Its tone is positive, emphasizing innovation leadership in these regions through strong brand presence.

Perplexity leans toward DBS with a 2.7% visibility share, pointing to Singapore and broader Asia as key players in banking innovation through institutional strength and digital transformation. The tone is neutral, focusing on established financial entities without overt enthusiasm.

Deepseek shows no strong regional favoritism, with a dispersed focus on brands like GrabPay (1.4% visibility) in Southeast Asia and others like Starling and Klarna, suggesting a fragmented view of innovation across regions. Its tone is neutral, lacking a clear endorsement of a single region or brand for banking innovation.

Gemini prioritizes Alipay and Revolut, both at 4.1% visibility share, positioning Asia (Alipay from China) and Europe (Revolut) as leaders in banking innovation, likely due to adoption patterns in mobile payments and neobanking. The tone is positive, reflecting optimism about user-centric digital solutions in these regions.

Grok highlights Revolut (2.7%) and Alipay (2.0%), suggesting Europe and Asia as frontrunners in banking innovation, with an emphasis on accessible fintech ecosystems and digital payment adoption. Its tone is positive, valuing diverse innovation hubs with practical solutions like M-Pesa in Africa also noted.

Perplexity shows a slight favor towards JPMorgan Chase, Citi, and Wells Fargo, each with a visibility share of 2.7%, suggesting a balanced perception of innovation momentum among top legacy banks. Its neutral sentiment reflects no strong bias, focusing on visibility as an indicator of market presence tied to innovation discussions.

ChatGPT strongly favors JPMorgan Chase with a leading visibility share of 9.5%, highlighting its prominence in innovation conversations, likely due to perceived advancements in digital banking and fintech integrations. The positive sentiment underscores a focus on ecosystem development and adoption patterns among legacy banks.

Gemini leans towards Santander, Goldman Sachs, Citi, and Openbank, each at 2% visibility, but shows no dominant preference for a single legacy bank, with JPMorgan at 1.4%. Its neutral tone suggests a fragmented view of innovation momentum, possibly emphasizing retail user experience over institutional innovation.

Deepseek highlights JPMorgan Chase, HSBC, and BoA, each at 2.7% visibility, indicating a perception of strong innovation momentum driven by institutional advancements. The neutral-to-positive sentiment reflects a focus on these banks’ ability to adapt to modern financial ecosystems.

Grok favors Revolut and Chime at 2.7% visibility but also recognizes JPMorgan Chase and Barclays at 2%, suggesting a split focus between neobanks and legacy players in innovation. Its neutral sentiment points to an interest in community sentiment and adoption trends rather than a clear leader among legacy banks.

Gemini favors DBS and JPMorgan Chase, both with a 2.7% visibility share, likely due to their strong digital transformation initiatives and fintech investments. Its tone is neutral, reflecting a balanced view of multiple innovative banks.

Perplexity leans toward Bank of America (BoA) with a 2.7% visibility share, possibly due to its focus on digital banking tools for retail users, though it lacks deep reasoning on fintech innovation. The tone is neutral, with no strong endorsement for any single brand.

ChatGPT strongly favors DBS with a 9.5% visibility share, emphasizing its leadership in digital banking ecosystems and user-centric innovation in Asia. The tone is positive, highlighting DBS as a benchmark for fintech advancement.

Grok identifies DBS with a 3.4% visibility share as a leader, likely due to its robust adoption of fintech solutions and recognition in industry reports. The tone is positive, showing confidence in DBS’s innovative edge.

Deepseek equally highlights DBS and Revolut, both at 2.7% visibility share, probably for their accessible digital platforms and fintech integrations in diverse markets. The tone is neutral, presenting a comparative view without clear favoritism.

ChatGPT favors DBS and Monzo equally with a visibility share of 7.5% each, highlighting their strong innovation in digital banking and user-friendly platforms as reasons for growth. Its tone is positive, emphasizing how innovation in ecosystem integration drives brand visibility, though it implies scalability and trust are also critical.

Gemini shows a balanced view of Revolut, DBS, and Monzo (each at 2% visibility share), with a neutral tone suggesting innovation in user experience is a growth driver but not the sole factor. It perceives these brands as equally positioned, with growth tied to accessibility and retail adoption patterns.

Perplexity equally ranks Revolut, DBS, and Monzo at 1.4% visibility share, adopting a neutral tone that acknowledges innovation as a growth factor but hints at the importance of ecosystem partnerships. Its perception ties growth to a blend of technological advancement and strategic market positioning.

Grok slightly favors Chime with a 2.7% visibility share, followed by Revolut, DBS, and Apple at 2% each, with a positive tone linking innovation to customer-centric solutions as a growth driver. It suggests that brand growth is amplified by targeting retail user needs alongside innovative offerings.

DeepSeek equally supports Revolut, DBS, Monzo, and Apple at 1.4% visibility share, with a neutral-to-positive tone indicating innovation in digital tools drives growth but must align with user trust. It perceives growth as dependent on balancing innovation with institutional credibility in retail banking.