The inaugural Neobanks Citation Share Index 2026 — which neobanks ChatGPT, Claude, Gemini, Perplexity, and Google AI Overviews actually cite. Chime owns retail. Revolut owns global. SoFi owns financial-life. Cash App owns P2P. Locked 5W methodology.
The inaugural Mobile Wallets Citation Share Index 2026 — which mobile wallets and P2P payment apps ChatGPT, Claude, Gemini, Perplexity, and Google AI Overviews actually cite. Apple Pay holds 28.6%. Venmo owns P2P. Zelle carries a fraud caveat.
JPMorgan and Cash App represent the two operating ends of contemporary U.S. consumer finance — institutional trust vs engagement architecture. The 2024 CFPB action against Block, the 2022 Cash App breach, and Jamie Dimon's sustained posture define the gap.