Original research · Insurance & Finance

Commerzbank.

Last measured · 22 May 2026 Wave · Q2-2026-W2 Tier · proprietary Confidence · C
Brand
Commerzbank AG
Agent success

Found and form-ready across every agent class.

Bottleneck Usability
Found, but the surface stalls the agent.
4.8 /10
Agent Success Score
AI Visibility 38 / 100

Found & recommended by AI agents

AI Usability 48 / 100

Can an agent use the surface to get the job done

Coverage · 2 of 6 lanes measured Commerce lane · Wave Q2-2026-W2
Commerce 4.8
Talent usability measured
After-sales
Procurement
Investor
Press

This page measures two lanes. Commerce: can an agent find Commerzbank, and once it arrives, transact. Talent: can a candidate's agent find an open engineering role on Commerzbank's own career surface and prepare the application. After-sales, procurement, investor and press lanes run on different surfaces and are not yet measured.

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The test

Found, parsed, and form-ready across every class. KYC is the last mile.

We asked five kinds of AI agent to reach an account-opening state for the Commerzbank Girokonto, for someone newly arrived in Germany seeking a low-cost account. A plain fetch and a script both held the locked GT (the account and its monthly cost), and the browser agent reached the opening form in all three runs, no login required to start. The application completes only partly under an agent: identity and KYC verification are the regulated last step.

One label, many breeds. From a plain reader to an autonomous operator, the kinds behind ChatGPT, Perplexity, and Claude Code:

Plain reader reads your raw page text, no browser Succeeded
Search assistant finds you through search Not yet run
Coding agent a script hitting your site Succeeded
Computer-use agent clicks and types like a person Succeeded
Autonomous operator runs the whole task unattended Partial

Scope. This is one product for one persona. Commerzbank offers current accounts, cards, loans, business banking, and brokerage, each with its own flow.

Commerce lane

Found, and able to transact?

Two questions, measured separately. A brand can be recommended and still un-buyable, or perfectly buyable and never found.

AI Visibility

When someone asks an agent to open a current account, does it route to Commerzbank?

38 / 100

Commerzbank comes up about a third of the time. The rest of the time, an agent recommends an alternative first.

Discoverability · 18-datapoint audit
AI Usability

Once an agent is on Commerzbank's site, can it open an account?

48 / 100

Plain reader and Coding agent and Computer-use agent reach the booking form; Autonomous operator get there only in some runs.

Browser-class agents reach the booking form; full_automation-class agents reach it only partially, submission was not completed · breakdown above

Evidence · 70 / 100 A measure of how provable and consistent the result is, grounded in cross-method ground-truth agreement (the methods that ran returned the same price), not a separate measured run. A confidence layer on the two scores above, not a third sales axis.

Talent lane

The talent lane.

A candidate's agent, sent to find an open software-engineering role at Commerzbank and prepare the application. Same brand, second surface: the career portal.

AI Usability · Talent lane

Application-ready for agents.

Both non-browser agent classes read the Specialist Infrastructure and IT-Platform Services posting in full from raw HTML — including structured JobPosting data — but the application entry redirects straight to a mandatory login/registration wall (email+password or XING/LinkedIn import) before any form field is exposed.

Furthest close-state reached: application ready · frozen task locked 2026-07-02

68 AI Usability / 100 · derived, not hand-rated
Plain reader fetches the posting page raw, no browser pass Raw curl (standard desktop UA, single paced GET) on the lock URL returned HTTP 200, 266048 bytes, byte-size-identical to GT capture. Title tag, full JD body (Aufgaben/Anforderungen), and JobPosting JSON-LD all present in
Coding agent parses the posting into structured fields pass JobPosting JSON-LD machine-extracted cleanly: identifier J000059519, title matches, employmentType FULL_TIME, jobLocation Wiesbaden/Hessen/DE, datePosted 2026-07-01, validThrough 2026-12-31. All fields match scout values
Computer-use agent clicks through the career portal like a person untested

The score above is provisional where a class shows untested: untested classes are excluded from the calculation, so the pending check can only confirm or raise the value, never silently lower it.

AI Visibility · in measurement — the audit run for this lane has not landed yet. No Talent-lane composite is shown until both axes are measured.

What this does not yet cover

This measurement never logged in, created an account, filled any form field, or submitted an application. CV/cover-letter requirements and the exact form length were not measurable from outside the login wall and are marked unknown rather than assumed.

Fairness note

This measurement covers one real, open IT role on Commerzbank's own career portal (jobs.commerzbank.com); the hiring entity is Commerz Real, a Commerzbank Group company, and the role was locked with a dated capture on 2026-07-02. No application was submitted, no account was created, and no personal data was used; Commerzbank's mandatory login before the application form is documented as an access condition and does not reduce the score. The role reflects the German-market slice of the portal, since a large share of Commerzbank's regular engineering hiring sits in its Prague and Sofia tech hubs; the visibility measurement is still in progress, so no overall score is shown.

What's next

What this means for Commerzbank.

Diagnosis

On product discovery, Commerzbank is not hard to reach or parse, every class held the Girokonto and its cost and reached the opening form. It thins at the regulated last step: identity and KYC verification complete only partly under an agent. The handoff is the gap, with discovery mid (found just under four times in ten).

What changes the outcome

Make the regulated handoff legible, not another product page. A structured opening path an agent can carry to the verification step, and clear evidence of what the KYC step requires, so the agent hands off cleanly instead of stalling.

What proof looks like

The proof isn't a simpler cost overview. It's agents carrying the account opening to a clean KYC handoff, re-measured each wave.

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Channel position

No intermediary stands between agents and Commerzbank. The gap is being found, not the channel.

Measured from the AI Visibility audit: no displacing comparison portal surfaced as the route (0 of 18 responses named one; a single bank-comparison article and generic compare-accounts phrasing appeared, but no portal capture). Banking comparison portals exist in the German market; they did not displace Commerzbank in these responses. The gap here is being found, not the channel.

100% direct
0% via intermediary
Frozen task slate

Hyperize-selected tasks.

One task from the public sector grid. Task list is frozen before each wave runs.

Commerzbank Girokonto (current account)

Close state
the booking form
Bottleneck
Found, parsed, and form-ready across all classes; the application completes only partly under an agent because identity/KYC verification is the regulated last step.

Fairness note

Wave 2 (a fleet wave Finance). Single measured task (Girokonto current account for a newcomer to Germany; booking_form_ready close state). AI Visibility 37.99 (18/18 valid datapoints across 3 providers); AI Usability derived from the a fleet wave access profile. Confidence C, single task; Fairness Review pending the sector fairness grid.

Methodology

How the score was produced.

Discoverability is audit-pipeline-derived. 3-provider sample (openai, perplexity, anthropic), 3 query variants per task, 2 runs per variant · 18 valid datapoints scored against a five-state handoff cascade. [S1]

AI Usability is derived from the access-profile above (usability-derivation/v1): how far the best agent reached (close state) modulated by how many agent classes succeeded. The per-class profile is the truth; the score is a reproducible summary of it, not a separate rating. Fleet phases (HTTP / Coding / Browser / ACT) produce the profile. [S2]

Formula

Agent Success Score = (AI Visibility × 0.20) + (AI Usability × 0.70) + (Evidence × 0.10)

On a 0–100 scale, displayed 0–10. AI Usability bundles the agent's reach + completion; AI Visibility is audit-derived discoverability. Weighting is public; the per-prompt derivation is not.

Measurement scope

Confidence C · one measured task on a 3-provider track (openai, perplexity, anthropic). Confidence promotes to B with a second task plus a fourth provider on the next wave.

History

Measurement timeline.

Each wave appends; nothing overwrites. Frozen Wave Rule.

  1. Entry · 01

    22 May 2026

    Wave · Protocol

    WAVE-Q2-2026-W2

    ars-methodology/v1.1

    First v3 measurement. AI Visibility 37.99 (18/18 valid datapoints, 3 providers, DE). AI Usability derived from a fleet wave: HTTP/coding/browser all success holding the locked GT, ACT reached the account-opening form with no login to start, completion partial at identity/KYC. Confidence C, single task.

Sources

Evidence and provenance.

Public methodology references and internal evidence pointers behind every claim above.

  1. [S1]

    AI Visibility audit · Commerzbank Wave Q2 2026

    Accessed · 22 May 2026

    Internal · Hyperize evidence

    • · AI Visibility score (18/18 valid datapoints across 3 providers)
    • · the close state reached (booking_form_ready)
  2. [S2]

    Hyperize fleet · a fleet wave Finance (access profile)

    Accessed · 22 May 2026

    Internal · Hyperize evidence

    • · how each kind of agent fared (HTTP/coding/browser success, ACT opening-form partial via KYC)
    • · the close state reached (booking_form_ready)
    • · the tested product (Girokonto + monthly cost)
  3. Accessed · 22 May 2026

    Public · hyperize.ai

    • · fairness declaration
    • · Third-Party Interception framing
Last updated · 22 May 2026 Next review · 30 Sept 2026 Wave · Q2-2026-W2 Tier · proprietary Confidence · C Index score · 4.8/10 Machine-readable record
Universe: DAX 40 composition as of 2026-07-01, reviewed after each Deutsche Boerse index review.

Editorial coverage

The DAX 40 Agent Success Index is a point-in-time snapshot of the agent-success of public digital touchpoints. Results are not statements about product quality, company performance, service quality, or the legal obligations of the brands named. Brand names and logos remain the property of their respective owners and are used solely for identification and reporting purposes in the context of editorial coverage (§ 23 MarkenG, Art. 5 GG).

Brands wishing to respond, engage, or correct a factual error may contact hello@hyperize.ai. Responses received are published in full alongside the findings. Full methodology and editorial-coverage notice: coverage statement.