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12t2.038 4.963T12.019 19q2.625 0 4.569-1.71t2.35-4.29h1.012q-.356 3.021-2.62 5.01Q15.066 20 12.02 20m3.146-4.146l-3.647-3.646V7h1v4.792l3.354 3.354z\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":39},"\u003Cpath fill=\"currentColor\" d=\"M6.616 21q-.672 0-1.144-.472T5 19.385v-8.77q0-.67.472-1.143Q5.944 9 6.616 9H8V7q0-1.671 1.165-2.835Q10.329 3 12 3t2.836 1.165T16 7v2h1.385q.67 0 1.143.472q.472.472.472 1.144v8.769q0 .67-.472 1.143q-.472.472-1.143.472zm0-1h10.769q.269 0 .442-.173t.173-.442v-8.77q0-.269-.173-.442T17.385 10H6.615q-.269 0-.442.173T6 10.616v8.769q0 .269.173.442t.443.173m6.45-3.934q.434-.433.434-1.066t-.434-1.066T12 13.5t-1.066.434Q10.5 14.367 10.5 15t.434 1.066q.433.434 1.066.434t1.066-.434M9 9h6V7q0-1.25-.875-2.125T12 4t-2.125.875T9 7zM6 20V10z\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":41},"\u003Cpath fill=\"currentColor\" d=\"M6 20.5V5h7.192l.4 2H19v8h-5.192l-.4-2H7v7.5zm8.65-6.5H18V8h-5.25l-.4-2H7v6h7.25z\"\u002F>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":44},32,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"m31.4 5.4-4.7 22c-.35 1.55-1.25 1.9-2.55 1.2l-7.05-5.2-3.45 3.3c-.35.35-.7.7-1.5.7l.55-7.25L25.85 8.2c.55-.55-.15-.75-.85-.3L8.65 18.2 1.6 16.05c-1.55-.5-1.55-1.55.35-2.25l27.4-10.65c1.35-.4 2.5.3 2.05 2.25\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":46},"\u003Cdefs>\u003CclipPath id=\"a\">\u003Cpath fill=\"#fff\" d=\"M0 0h32v32H0z\"\u002F>\u003C\u002FclipPath>\u003C\u002Fdefs>\u003Cg fill=\"none\">\u003Cg clip-path=\"url(#a)\">\u003Cpath fill=\"currentColor\" d=\"M23.7 12.9h-3.8V7.8H23c.55 0 1-.4 1-1V1.5c0-.55-.4-1-1-1h-3.65c-3.95 0-6.7 2.8-6.7 6.95v5.35h-4.4c-.7 0-1.35.55-1.35 1.35v3.6c0 .7.55 1.35 1.35 1.35h4.3v11.05c0 .7.55 1.35 1.35 1.35h4.7c.3 0 .55-.15.75-.35s.35-.55.35-.85V19.15H23c.65 0 1.15-.4 1.25-1v-.1l.7-3.45c.05-.35 0-.75-.3-1.15-.1-.25-.55-.5-.95-.55\"\u002F>\u003C\u002Fg>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":48},"\u003Cg style=\"transform-origin:1.01222px 1.01222px\">\u003Cpath fill=\"currentColor\" d=\"M24.843 6.234c-1.071 0-1.875.803-1.875 1.874 0 1.07.804 1.874 1.875 1.874s1.874-.803 1.874-1.874-.803-1.874-1.874-1.874M16.408 8.643c-4.418 0-7.898 3.615-7.898 7.9s3.614 7.898 7.898 7.898 7.9-3.615 7.9-7.899-3.482-7.899-7.9-7.899m0 12.987a5.085 5.085 0 0 1-5.087-5.088 5.085 5.085 0 0 1 5.087-5.087 5.085 5.085 0 0 1 5.088 5.087 5.085 5.085 0 0 1-5.088 5.088\"\u002F>\u003Cpath fill=\"currentColor\" d=\"M22.834.343H10.116C4.627.343.343 4.627.343 9.983V22.7a9.6 9.6 0 0 0 9.64 9.639H22.7a9.6 9.6 0 0 0 9.639-9.64V9.983c.134-5.355-4.15-9.64-9.506-9.64m6.56 22.491c0 3.615-2.945 6.694-6.693 6.694H9.982c-3.615 0-6.694-2.945-6.694-6.694V10.116c0-3.615 2.946-6.694 6.694-6.694h12.719c3.614 0 6.694 2.945 6.694 6.694z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":50},"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M9.253 6.667a2.667 2.667 0 1 1-5.333-.003 2.667 2.667 0 0 1 5.333.003m.08 4.64H4V28h5.333zm8.427 0h-5.307V28h5.254v-8.76c0-4.88 6.36-5.333 6.36 0V28h5.266V17.427c0-8.227-9.413-7.92-11.626-3.88z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":52},"\u003Cg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\">\u003Ccircle cx=\"12\" cy=\"12\" r=\"10\"\u002F>\u003Cpath d=\"M14.83 14.83a4 4 0 1 1 0-5.66\"\u002F>\u003C\u002Fg>",{"currentArticle":54},{"data":55},{"id":56,"slug":57,"title":58,"description":59,"original_image":60,"thumbnail_image":61,"image_source":62,"description_source":62,"publication_date":63,"updated_at":64,"views_count":65,"category":66,"topics":69,"author":157,"banners":173,"seo":174},316,"armenia-measures-for-the-first-time-which-banks-artificial-intelligence-actually-sees","Armenia measures for the first time which banks artificial intelligence actually \"sees\"","\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">On 18 August 2026, the financial marketplace AFM.am is publishing the AFM AI Visibility Index. It is the first index in Armenia to measure the probability that an AI model will name a specific bank when answering a customer's question about a banking product.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">When a resident of Armenia chooses a bank today, they increasingly ask ChatGPT or Gemini rather than a search engine. And they do not get a list of ten links. They get a single answer naming one bank, three at most. There is no second page and no scrolling in that kind of output. A bank is either named, or for that customer it does not exist.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">This is exactly what the AFM AI Visibility Index measures. The first edition is built on 600 measurements collected in August 2026: 50 real user questions, asked in Russian and Armenian, across three channels (ChatGPT, Gemini and AI Overview in Google Search), in two independent runs. Seventeen Armenian banks were included in the calculation.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The key result: the market is highly concentrated\u003C\u002Fspan>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">According to the AFM AI Visibility Index (August 2026, 600 measurements, 17 Armenian banks), Ameriabank ranks first with a score of 82.7 out of 100. Inecobank is second (64.7) and Evocabank third (51.2).\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">#\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Index\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">How often named\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Named first\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Categories with visible presence\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">1\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">82.7\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">56.7%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">26.7%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">8 of 8\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">2\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Inecobank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">64.7\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">49.2%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">16.7%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">8 of 8\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">3\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Evocabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">51.2\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">44.3%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">9.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">8 of 8\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">4\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">ID Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">50.6\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">41.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">9.5%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">8 of 8\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"6\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">5\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ardshinbank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">40.5\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">37.7%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">5.3%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">7 of 8\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"7\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">6\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Acba Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">38.3\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">31.5%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">5.5%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">7 of 8\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"8\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">7\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">VTB Armenia\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">32.5\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">28.2%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">5.8%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">5 of 8\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"9\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">8\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Unibank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">19.6\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">17.8%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">3.3%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">3 of 8\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cem style=\"background-color: transparent; color: rgb(0, 0, 0);\">The top eight positions are shown. Full data on all 17 banks has been shared with market participants in individual reports.\u003C\u002Fem>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The market is highly concentrated. In 26.7% of all AI answers about banking products in Armenia, Ameriabank is the first bank named. The gap to Inecobank in second place is 18 index points.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">By level of visibility the market splits into four groups.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The dominant player. Ameriabank is present in all eight categories and is effectively a monopolist in two of them.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The chasers. Inecobank, Evocabank and ID Bank cover every category, but they become the first bank named three times less often than the leader.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The middle. Ardshinbank, Acba Bank and VTB Armenia appear in AI answers, but only in fragments.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The periphery. The remaining banks. Their appearance in an answer is closer to chance than to a position.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Every bank has its own territory\u003C\u002Fspan>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The overall ranking hides the most interesting part. The categories are divided between different players, and the market leader is far from winning everywhere.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Question category\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Named first most often\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">2nd place\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">3rd place\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Loans and purchases\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Inecobank, 34.8%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">VTB Armenia, 11.9%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ardshinbank, 10.4%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Debit cards\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">ID Bank, 29.3%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank, 24.4%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Evocabank, 11.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Credit cards\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank, 33.3%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Inecobank, 25.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Acba Bank, 16.7%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Savings\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Evocabank, 25.9%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Inecobank, 14.8%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank, 14.8%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Mortgages and housing\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank, 22.2%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ardshinbank, 17.5%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">VTB Armenia, 12.7%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Services for non-residents\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank, 66.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">ID Bank, 8.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">VTB Armenia, 8.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"8\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Business banking\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank, 75.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Acba Bank, 10.4%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Evocabank, 6.2%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"9\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Service and trust\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank, 31.4%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Inecobank, 25.7%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">ID Bank, 14.3%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The most contested territory is consumer lending, and here the market leader does not even make the top three. According to the AFM AI Visibility Index, in questions about loans in Armenia the AI models name Inecobank first in 34.8% of answers, three times more often than VTB Armenia in second place (11.9%). ID Bank has taken the debit card category with 29.3% of first mentions, and Evocabank leads in savings with 25.9%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The picture reverses in the corporate segment and in questions from non-residents. In questions about business banking in Armenia, AI models name Ameriabank first in 75.0% of answers, and in questions about opening an account as a non-resident in 66.0%. These are two categories where the models effectively have no alternative answer.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Strengths: what each bank is already doing well\u003C\u002Fspan>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Its strongest result in the AFM AI Visibility Index\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The only bank the models treat as the default answer: 47.1% of all its mentions turn into first place, the best \"presence conversion\" on the market. It also has the most stable visibility: only 32.5% of its appearances fail to repeat in the second run, against 80–90% for the lower half of the ranking\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Inecobank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The outright leader in the most competitive category, lending, with 34.8% of first mentions. The only bank noticeably stronger in Armenian-language queries, 54.7% against 43.7% in Russian, which looks like a deliberate Armenian-first content strategy. In ChatGPT it beats the market leader: 51.0% against 34.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Evocabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">First place in savings, a category where more than a third of answers contain no bank at all. Full coverage of all eight categories and high visibility in Gemini at 63.0%, level with Inecobank\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">ID Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Leader in debit cards, the most mass-market retail product: 29.3% of first mentions, ahead of Ameriabank. The best result among the chasers in Google AI Overview at 55.5%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ardshinbank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Consistently second and third in the heavy, high-value categories: mortgages at 17.5% and lending at 10.4%. Present in 7 categories out of 8\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Acba Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Second place in business banking and third in credit cards. One of only two banks in the top group that is stronger in Armenian than in Russian\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"8\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">VTB Armenia\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Second place in lending, third in mortgages and in non-resident questions. One of the best results for specificity: in 64.5% of its mentions the AI quotes a real figure, a rate, a limit or a fee\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"9\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Unibank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"9\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">When the bank does make it into an answer, the AI describes it more precisely than the market average: 57.9% of its mentions contain concrete terms, against a market average of 53.7%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch2>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Three findings that were not obvious\u003C\u002Fspan>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The more visible the bank, the less the AI knows about its terms\u003C\u002Fspan>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank is the most frequently mentioned bank in Armenia in AI answers, yet the models quote a specific rate, limit or fee in only 42.9% of its mentions. That is the lowest figure among all 17 banks, against a market average of 53.7%. For smaller banks it reaches 80–100%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The mechanism is simple. A large bank gets named on reputation, as the safe answer. A small bank makes it into an answer only when the model has a concrete fact about it. For the leader this hides a real risk: it gets recommended, but the recommendation cannot be substantiated, so the customer leaves to double-check with whoever does have the number.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">\"AI visibility\" is not one number but three different pictures\u003C\u002Fspan>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">ChatGPT\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Gemini\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AI Overview\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Ameriabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">34.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">74.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">62.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Inecobank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">51.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">63.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">33.5%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Evocabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">20.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">63.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">50.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">ID Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">26.5%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">41.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">55.5%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Acba Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">37.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">39.0%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">18.5%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The visibility of one and the same bank varies between channels by as much as 3.5 times. Ameriabank appears in 74.0% of Gemini answers and in only 34.0% of ChatGPT answers, and it is precisely in ChatGPT that Inecobank overtakes it with 51.0%. Managing \"AI visibility\" as a single number is impossible. These are three different markets.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">There is an entire unclaimed category\u003C\u002Fspan>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">In questions about savings and deposits in Armenia, 35.7% of AI answers contain no bank name at all and the model answers in the abstract (84 measurements, August 2026). For the question \"how protected are deposits in Armenian banks and up to what amount\", not one of the 12 measurements produced a single bank name. The same holds for questions about protecting savings from inflation and about currency exchange. This is territory that anyone can still claim.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Comment\u003C\u002Fspan>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">\"You cannot manage what you do not measure, and until now nobody in Armenia had measured how visible banks are in AI answers. We are publishing the AFM AI Visibility Index not as a verdict and not as praise for any particular bank, but as a ruler. The picture is only beginning to take shape, and in two or three quarters it may look substantially different. That is exactly why it matters to start counting now, rather than once everything has already settled.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The main thing the data shows is that this layer can no longer be ignored. It is not a one-off phenomenon but a trend that will only grow stronger, and leadership in it will go to whoever pays attention earliest. In developed financial markets, in the United States and in Europe, working with visibility in AI answers has already become a discipline of its own, with its own tools and budgets. In Armenia this territory is still largely free.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">At the same time, every bank in this data has a category where it already beats the market leader. Nobody had simply shown it before,\" says Vladimir Lefteroglo, co-founder of AFM.am.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The index will be quarterly\u003C\u002Fspan>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AFM.am will calculate and publish the AI Visibility Index every quarter. The next edition is due in November 2026. Regularity matters here: a single measurement shows a snapshot, while a series shows the direction the market is moving in, and the results achieved by those who have already started working on their visibility in AI answers.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Methodology\u003C\u002Fspan>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The AFM AI Visibility Index is calculated on a dataset of 600 answers collected in August 2026: 50 user questions across eight product categories (loans and purchases, debit cards, credit cards, savings, mortgages, services for non-residents, business banking, service and trust) × 2 languages (Russian and Armenian) × 3 channels (ChatGPT, Gemini, AI Overview in Google) × 2 independent runs. Seventeen Armenian banks were included.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The final score is calculated using the formula:\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Index = 0.40 × Reach + 0.40 × Primacy (normalised) + 0.20 × Breadth\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Component\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">What it measures\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Weight\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Reach\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">share of answers in which the bank is named\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">40%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Primacy\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">share of answers in which the bank is named first, normalised to the leader = 100\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">40%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Breadth\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">in how many of the eight categories the bank reaches at least 20% of mentions\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-right\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">20%\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Specificity of description (whether the answer contains a real rate, limit or fee), stability between runs and citation of the bank's own website are deliberately excluded from the index score. They measure not visibility itself but its quality and mechanics, and they form a separate diagnostic layer.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The source domains the models relied on were recorded separately. The financial marketplace afm.am ranked among the three most cited domains in the entire dataset, more often than the websites of most banks, behind only the official sites of Ameriabank and Inecobank.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Individual reports for each bank, broken down by product category, language and channel, have been shared with market participants.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>","\u002Fcontent\u002Fuploads\u002Fnews\u002Fb6df6964-dab9-41e4-bf49-812a2ee16548.webp","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fb6df6964-dab9-41e4-bf49-812a2ee16548.webp",null,"2026-08-18 18:00:00","2026-08-18 18:48:49",894,{"title":67,"slug":68},"Journal","journal",[70,73,76,79,82,85,88,91,94,97,100,103,106,109,112,115,118,121,124,127,130,133,136,139,142,145,148,151,154],{"title":71,"slug":72},"Financial News","financial-news",{"title":74,"slug":75},"Cash Loans","cash-loans",{"title":77,"slug":78},"Debit Cards","debit-cards",{"title":80,"slug":81},"Credit Cards","credit-cards",{"title":83,"slug":84},"Deposits","deposits",{"title":86,"slug":87},"Mortgage","mortgage",{"title":89,"slug":90},"Secured Loans","secured-loans",{"title":92,"slug":93},"Non-residents","non-residents",{"title":95,"slug":96},"Acba Bank","acba-bank",{"title":98,"slug":99},"Ameriabank","ameriabank",{"title":101,"slug":102},"AMIO Bank","amio-bank",{"title":104,"slug":105},"ID Bank","id-bank",{"title":107,"slug":108},"Araratbank","araratbank",{"title":110,"slug":111},"Ardshinbank","ardshinbank",{"title":113,"slug":114},"ArmSwissBank","armswissbank",{"title":116,"slug":117},"Artsakhbank","artsakhbank",{"title":119,"slug":120},"Byblos Bank Armenia","byblos-bank-armenia",{"title":122,"slug":123},"Evocabank","evocabank",{"title":125,"slug":126},"Inecobank","inecobank",{"title":128,"slug":129},"Converse Bank","converse-bank",{"title":131,"slug":132},"Armeconombank","armeconombank",{"title":134,"slug":135},"Mellat Bank","mellat-bank",{"title":137,"slug":138},"Unibank","unibank",{"title":140,"slug":141},"VTB Bank","vtb-bank",{"title":143,"slug":144},"Fast Bank","fast-bank",{"title":146,"slug":147},"Investments","investments",{"title":149,"slug":150},"Promotions","promotions",{"title":152,"slug":153},"Finance Made Simple","finance-made-simple",{"title":155,"slug":156},"Online loans","online-loans",{"first_name":158,"last_name":159,"full_name":160,"avatar":161,"email":162,"slug":163,"company":62,"phone":62,"title":164,"description":165,"position":166,"position_description":167,"social_links":168},"Rafayel","Petrosyan","Rafayel Petrosyan","\u002Fcontent\u002Fuploads\u002Favatars\u002F02d7465da0205a703bee2cae01015998.webp","rafayeltgm@gmail.com","rafayel-petrosyan","About the author","\u003Cp>A specialist in statistics, data analysis, financial analysis, and business process management with more than 7 years of academic and professional experience. Since the beginning of 2026, an author of articles for AFM, responsible for creating analytical and up-to-date content.\u003C\u002Fp>","Author of Articles and News at AFM","\u003Cp>Responsible for content across the website from quality standards to the creation and updating of materials.\u003C\u002Fp>",[169],{"name":170,"link":171,"status":172},"linkedin","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fdr-rafayel-petrosyan-93a20a235\u002F",1,[],{"title":175,"description":176,"keywords":177},"AFM AI Visibility Index: Which Banks Does AI See in Armenia?","See which Armenian banks are most visible in ChatGPT, Gemini and Google AI Overview according to the AFM AI Visibility Index based on 600 AI answers.",[178,179,180,181,182,183,184,185,186],"AFM AI Visibility Index","AI visibility Armenia","Armenian banks AI","banks in Armenia","ChatGPT banks Armenia","Gemini banks Armenia","Google AI Overview Armenia","bank visibility in AI","artificial intelligence banking Armenia",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":188},"\u003Cpath fill=\"currentColor\" d=\"M5 19v-8.692q0-.384.172-.727t.474-.565l5.385-4.078q.423-.323.966-.323t.972.323l5.385 4.077q.303.222.474.566q.172.343.172.727V19q0 .402-.299.701T18 20h-3.384q-.344 0-.576-.232q-.232-.233-.232-.576v-4.769q0-.343-.232-.575q-.233-.233-.576-.233h-2q-.343 0-.575.233q-.233.232-.233.575v4.77q0 .343-.232.575T9.385 20H6q-.402 0-.701-.299T5 19\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":190},"\u003Cpath fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m9 18l6-6l-6-6\"\u002F>",{"left":5,"top":5,"width":192,"height":192,"rotate":5,"vFlip":7,"hFlip":7,"body":193},14,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M7 11.529c-4.33 0-6.475-4.135-6.562-4.31a.51.51 0 0 1 0-.437C.525 6.607 2.669 2.494 7 2.494s6.475 4.113 6.563 4.288a.51.51 0 0 1 0 .437c-.088.175-2.231 4.31-6.563 4.31M1.444 7c.481.81 2.363 3.544 5.556 3.544S12.075 7.81 12.557 7C12.075 6.191 10.194 3.457 7 3.457 3.807 3.457 1.925 6.19 1.444 7\"\u002F>\n    \u003Cpath fill=\"currentColor\" d=\"M7 8.86A1.86 1.86 0 0 1 5.14 7c0-1.028.832-1.86 1.86-1.86S8.86 5.973 8.86 7 8.027 8.86 7 8.86m0-2.735A.88.88 0 0 0 6.125 7c0 .481.394.875.875.875A.88.88 0 0 0 7.875 7 .88.88 0 0 0 7 6.125\"\u002F>\u003C\u002Fg>"]