AIVO Surface™: Global Banking AI Decision Index (Q1 2026) | Composite+ Rankings and Methodology

AIVO Surface™ Global Banking AI Decision Index (Q1 2026) is a standardised benchmark measuring how major global banking institutions are handled by AI systems at the decision stage: not perception or sentiment, but whether an institution is recommended or eliminated when users ask “which bank should I use?”. The Index evaluates 15 global banks across four AI platforms (ChatGPT, Gemini, Perplexity, Grok) using live, human-run, multi-turn decision journeys (T0–T3) and repeated runs for consistency.

Dataset summary: 320 multi-turn conversations and 1,280 prompt-response pairs. Composite+ scores are derived from survival rates, displacement patterns, platform consistency, and temporal stability to capture decision-stage performance rather than awareness-stage inclusion. Key findings in this release include structural concentration at the top of the rankings, late-stage substitution (optimisation/decision turns), and confident final recommendations that mask instability across platforms.

Disclosures: This Index measures observed AI decision behaviour and does not assess institutional quality, financial stability, or suitability. No institution has paid for inclusion or exclusion. Full Composite+ Profiles (platform-by-platform diagnostics, risk classification, and remediation roadmaps) are available only to assessed institutions. All testing was conducted live by human analysts via public AI interfaces.

de Rosen, T., & Sheals, P. (2026). AIVO Surface™: Global Banking AI Decision Index (Q1 2026) | Composite+ Rankings and Methodology (v1.0). Zenodo. DOI: 10.5281/zenodo.18760863