Mystery Agent · Financial services

We send an AI agent through five customer tasks on your website and score what it receives.

Mystery shopping has been standard practice in financial services for forty years. Mystery Agent applies the same discipline to the customer that increasingly does the shopping. Five ordinary tasks at every institution, on public pages, logged out, reading exactly what each site delivers.

Two studies · 50 institution runs · 250 tasks · August 2026

50Institution runs

250Customer tasks attempted

37/50Deliver a complete disclosure

0Applications submitted

Summary

Product terms are widely published. Prices, fee schedules, rewards rates and APR ranges reach an AI agent as plain text at most institutions.
Live rate values are the most common item to arrive after scripts run, so an agent often reads the rate page without the rate.
Application pages are where the whole field converges, and that is the page closest to a customer decision.
Every gap found here is a publishing decision rather than a content decision, so the content already exists on the institution's own website.

The report

Mystery Agent, 22 pages.

Every exhibit from both studies, three institution pages read frame by frame, an appendix carrying every score, and the method in full. Free to open, and quotation with attribution is welcome.

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The two studies

Each study runs the same five task structure against a roster built for that product line.

Deposits

Field average across 25 banks, fintechs and credit unions. Led by State Employees' Credit Union at 89. Savings rate, checking comparison, fee schedule, routing number, application page.

Credit cards

Field average across 25 issuers, fintechs and credit unions. Led by Bilt Rewards at 82. Purchase APR, card comparison, pricing and terms, welcome offer, application page.

How it works

Tasks per institution, each scored out of 100 on completion, answer quality and how directly the answer was reached. The agent reads what each page states and enters nothing.

Highest scores, deposits

	Institution	Score
1	State Employees' Credit UnionCredit union	89
2	SchoolsFirst Federal Credit UnionCredit union	86
3	Wells FargoBank	78
4	SoFiFintech	78
5	Navy Federal Credit UnionCredit union	77
6	WealthfrontFintech	71

See the full deposits leaderboard

Highest scores, credit cards

	Institution	Score
1	Bilt RewardsFintech	82
2	SynchronyIssuer	80
3	Barclays USIssuer	76
4	ChaseIssuer	75
5	Wells FargoIssuer	75
6	Navy Federal Credit UnionCredit union	75

See the full credit cards leaderboard

The answer a customer receives starts with what your page hands over.

Mystery Agent, August 2026, runs to 22 pages and is free to open.

Download the PDF

Related research

Mystery Agent sits alongside AI Compass, which scores the same delivered content for readability, and the Trust Transfer Index, which measures what AI assistants tell customers about card products. Together they cover what agents can read, what agents say, and what agents can complete.