AI models agree on Singapore’s safest banks, but split on digital bank winners

A Quratic study of 212 AI responses found ChatGPT, Gemini, Perplexity and Google AI Mode were unanimous on Singapore’s safest banks, while diverging sharply on which digital bank has the best app. The findings point to a new kind of brand visibility in AI search that marketing teams can’t yet measure well.

Why it matters: - Quratic’s findings show AI assistants can reach near-perfect consensus on some banking questions while fragmenting on others, changing how brands may need to think about visibility. - The study suggests AI search is rewarding specific user intent, not just broad category leadership. - For banks and fintechs, that could affect how consumers discover trusted providers, app quality and interest-rate offers.

What happened: - Quratic released its first data findings from a one-week study of 212 individual AI responses. - The analysis tested how ChatGPT, Gemini, Perplexity and Google AI Mode recommend banking and fintech brands to consumers in Singapore. - Quratic ran 23 prompts across all four AI platforms, including category recommendations, brand reputation and cross-market comparisons. - Each category and cross-market prompt was repeated three times to test consistency. - The company said the dataset is among the first to show where AI search agrees with Google and where it diverges.

The details: - When asked, “What is the safest bank in Singapore?”, DBS, OCBC and UOB were named in 12 of 12 responses. - Every model, every run, named those three banks as safest. - On the broad question “what’s the best digital bank,” Trust Bank, GXS Bank and MariBank were essentially tied, each appearing in roughly 11 of 12 responses. - On “which bank has the best mobile app,” Trust Bank was named in 10 of 12 responses. - GXS Bank and MariBank appeared in just 1 response combined for the mobile-app question. - On “which bank has the highest interest rate,” Standard Chartered’s Bonus$aver appeared in 10 of 12 responses. - Bonus$aver is advertised up to 5.85% p.a. - Every response that cited Bonus$aver also included a caveat about salary crediting, card spend or investment requirements. - The AI responses described those conditions in varying language, including “hoops,” “conditions” and “the catch.” - Some models split recommendations by user type instead of naming a single winner. - For international money transfer queries, Wise, Instarem and Revolut were named in 33 of 36 possible model-run combinations, or 92%. - Traditional bank transfer services were largely absent from the remittance responses. - Airwallex was also largely absent from the remittance responses. - Quratic said its broad visibility standard counts a brand as visible whenever an AI response names it, whether as a top recommendation or as one option among several. - Quratic said that standard is designed to capture how often a brand enters the conversation at all.

Between the lines: - The results suggest AI systems may be building a shared “answer layer” for some consumer questions, even without shared training processes. - The unanimous safest-bank result points to entrenched institutional trust in Singapore’s major local banks. - The digital-bank results show narrower prompts can surface a different winner than broad brand-awareness questions. - The interest-rate findings suggest AI models do not simply reward headline rates; they also surface the tradeoffs behind them. - The remittance results indicate a small group of fintechs has effectively captured AI visibility for cross-border transfers. - Quratic Director George Amadala said the pattern is consistent across four AI systems that do not share training data or company ownership. - Amadala also said that brand teams currently have almost no way to measure this kind of AI visibility.

What’s next: - Quratic said the banking and fintech work is the first release from a broader four-week study. - The company is extending the same method to e-commerce, travel, telco and food delivery brands across Singapore, Malaysia, Indonesia and Japan. - Full results are expected in Aug. 2026. - Quratic offers a free trial with no credit card required, with details at the company’s platform. - Quratic says its platform also tracks AI visibility, share of voice, sentiment, AI citation intelligence, prioritized improvement opportunities and Google rank tracking. - The company said it covers ChatGPT, Perplexity, Google AI Mode, AI Overviews, Gemini, Copilot and Claude across Singapore, Japan, South Korea, Malaysia, Indonesia and Hong Kong. - Quratic said it collects data from real browsers on local residential IPs in markets including Singapore and Tokyo.

The bottom line: - AI search is already forming clear winners on trust, app experience and remittances in Singapore, even as those same systems still split on broader category leaders.