Card issuers spent $7 billion last quarter on the first opinion. Gen Z gets a second one from an AI, for free, before they say yes. 72% of Gen Z say an AI helps them get more from a card, and Citi, Chase, and Bank of America limited AI agents in October. You can buy the first opinion. You have to earn the second.
Read Edition 327 →What 5 AI assistants tell customers about 50 open US credit cards. 1,500 answers read and 10,923 claims audited. The facts are stated correctly 86% of the time, and the bank is named as the source 45% of the time. August 2026.
Open the report →What an AI agent receives from 50 of the largest consumer finance sites in America, across five ordinary customer tasks. Every score in both studies, a page for each institution, and the full report. August 2026.
Open the research →The AI Trust Index reads what 5 AI assistants tell customers about 50 open US consumer credit cards. The median card is stated correctly 86% of the time and credited to the bank 45% of the time. That 41 point gap sits inside your own control.
The State of the Answers Economy reads what 5 AI assistants tell people who ask the 50 most common money questions. Across 250 answers the assistants cited a source 563 times. Fourteen of those pointed to a bank’s own site.
Every brand carries a published AI Compass score. Eight brands carry a full surface scorecard live today. Open any deep dive that is published, or request a custom report for any brand on the list.
Small Business covers credit cards, checking, savings, lending, treasury, and merchant services. The buying journey, product set, and shopping behavior are different enough from consumer that the AI Compass scores Small Business on its own leaderboard. Five SB deep dives live today.
Acquisition investment per account across the 10 largest US card issuers in the second quarter. Circle size is accounts acquired, and the orange circles mark the issuers whose cost came down. Toggle between cards with no annual fee and cards with an annual fee.
A direct read on what is moving in Financial Services marketing. Built for CMOs, CFOs, and CEOs who want signal over noise. Reply anytime, Anuj reads every response.
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I help financial services brands see three things at once: what customers want, what competitors are doing to win them, and what AI assistants now tell customers about them.
I oversee the Top 25 Financial Services accounts at OpenBrand. I manage the Top 10 directly and advise the leadership of the other 15. Competitive Compass is the working notebook for the CMOs, CFOs, and CEOs I serve. Direct reads on what is moving in the market, why it matters, and where to lean in.
The AI Trust Index is the flagship. It measures what 5 AI assistants tell customers about 50 US credit cards and shows each bank what it can change. Competitive Compass also publishes the Mystery Agent studies, the AI Compass index, and True North.
