{ "format": "hyperize/v1", "@id": "https://www.hyperize.ai/en/dax40-index/brands/commerzbank.json", "type": "BrandScore", "pageType": "BrandScore", "releaseState": "pilot_probe", "releaseLabel": "Pilot Probe", "title": "Commerzbank — Pilot Probe (Single-Task Observation, Wave Q2 2026)", "pilotProbe": { "status": "pilot_probe", "rationale": "Single-task observation under a narrower provider track than a full BrandScore. The Agent Success Score is computed but should be read as an early signal, not a fully-qualified score.", "promotionCriteria": "Confidence promotes to B (and releaseState to brand_score) when the next wave adds a second task and the fourth provider on the Discoverability track.", "nextWave": "WAVE-Q3-2026" }, "hook": { "en": "An agent can find the Commerzbank Girokonto, read the costs for a newcomer to Germany, and reach the account-opening form across a plain fetch, a script, and the browser, with no login to start. The last step thins out: identity and KYC verification only partly complete under an agent. Up to the application the surface is agent-ready; the regulated handoff is the open edge.", "de": "Ein Agent findet das Commerzbank-Girokonto, liest die Kosten für einen Neuankömmling in Deutschland und erreicht die Kontoeröffnung über einen simplen Abruf, ein Skript und den Browser, ohne Login zum Start. Der letzte Schritt dünnt aus: Identitäts- und KYC-Prüfung schließen unter einem Agenten nur teilweise ab. Bis zum Antrag ist die Surface agent-ready; der regulierte Handoff ist die offene Kante." }, "summary": { "en": "Found and form-ready across every agent class; the account opening stops at the KYC step.", "de": "Gefunden und formularbereit über jede Agent-Klasse; die Kontoeröffnung stoppt am KYC-Schritt." }, "brandName": "Commerzbank", "legalEntity": "Commerzbank AG", "daxTicker": "CBK", "sector": "insurance_finance", "sectorLabel": "Insurance & Finance", "inLanguage": "en", "datePublished": "2026-05-18", "dateModified": "2026-05-22", "nextReview": "2026-09-30", "confidence": "C", "evidenceTier": "proprietary", "wave": "WAVE-Q2-2026-W2", "url": "https://www.hyperize.ai/en/dax40-index/brands/commerzbank", "alternateLanguage": { "de": "https://www.hyperize.ai/de/dax40-index/brands/commerzbank" }, "isPartOf": { "@id": "https://www.hyperize.ai/en/dax40-index", "name": "DAX 40 Agent Success Index" }, "lanes": [ { "id": "commerce", "name": "Commerce", "measured": true }, { "id": "talent", "name": "Talent", "measured": false }, { "id": "aftersales", "name": "After-sales", "measured": false }, { "id": "procurement", "name": "Procurement", "measured": false }, { "id": "investor_relations", "name": "Investor Relations", "measured": false }, { "id": "press", "name": "Press", "measured": false } ], "commercialLane": { "visibility": { "question": "Will an agent find and recommend the brand?", "score": 37.99, "dimension": "Discoverability (D)", "methodVersion": "gate1/v1.1", "sampleSize": 18, "providers": [ "openai", "perplexity", "anthropic" ], "provenance": "measured" }, "usability": { "question": "Once an agent arrives — how far does it get toward the deal?", "score": 48, "scoreNote": "Derived from the access profile below + close state (usability-derivation/v1). NOT a hand-averaged number — a reproducible summary of observed agent behaviour.", "accessProfile": [ { "agentClass": "text", "outcome": "success" }, { "agentClass": "search", "outcome": "pending" }, { "agentClass": "code", "outcome": "success" }, { "agentClass": "browser", "outcome": "success" }, { "agentClass": "full_automation", "outcome": "partial" } ], "blockedClasses": [], "passClasses": [ "text", "code", "browser" ], "closeState": "booking_form_ready", "closeStateNote": null, "methodVersion": "fleet/measured", "provenance": "measured" }, "evidence": { "score": 70, "basis": "estimate — cross-method ground-truth consistency, not a separate measured run", "note": "A confidence layer on the two axes above, not a third sales axis." } }, "score": { "compositeForIndexRanking": { "value": 48.2, "scale100": 48.2, "scale10": 4.8, "status": "computed", "formula": "Agent Success Score = (AI Visibility × 0.20) + (AI Usability × 0.70) + (Evidence × 0.10)", "methodVersion": "ars-methodology/v1.1", "usabilityDerivation": "usability-derivation/v1", "role": "index-ranking", "note": "Weighted composite, used for ranking the index. Read the two commercialLane axes (visibility + usability) for the standalone verdict — this single number blends them and is not the headline." }, "dimensions": { "aiVisibility": { "name": "AI Visibility (Discoverability)", "weight": 0.2, "value": 37.99, "methodVersion": "gate1/v1.1", "sampleSize": 18, "providers": [ "openai", "perplexity", "anthropic" ], "queryVariants": 3, "runsPerVariant": 2, "taskCount": 1 }, "aiUsability": { "name": "AI Usability (reach + completion)", "weight": 0.7, "value": 48, "derivation": "usability-derivation/v1", "basis": "derived from the access profile (per-class outcomes) + close state" }, "evidence": { "name": "Evidence", "weight": 0.1, "value": 70, "methodVersion": "estimate/v1" } } }, "thirdPartyInterception": { "classification": "none", "classificationLabel": "None", "directShare": 1, "intermediaryShare": 0, "intermediaryCaptureExamples": [], "narrative": { "en": "Measured from the Gate-1 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.", "de": "Gemessen aus dem Gate-1-Audit: kein verdrängendes Vergleichsportal tauchte als Weg auf (0 von 18 Antworten nannten eines; ein einzelner Konten-Vergleichsartikel und generische Konto-Vergleich-Formulierungen kamen vor, aber kein Portal-Capture). Banking-Vergleichsportale existieren im deutschen Markt; sie verdrängten Commerzbank in diesen Antworten nicht. Die Lücke hier ist das Gefundenwerden, nicht der Kanal." } }, "bottleneck": { "type": "usability", "classification": { "en": "Usability", "de": "Usability" }, "classificationNote": { "en": "Found, but the surface stalls the agent.", "de": "Gefunden, aber die Surface stoppt den Agenten." }, "sentence": { "en": "Found and form-ready across every agent class; the account opening stops at the KYC step.", "de": "Gefunden und formularbereit über jede Agent-Klasse; die Kontoeröffnung stoppt am KYC-Schritt." }, "executiveSummary": { "en": "Every agent class reaches the Girokonto opening form with no login; the application completes only partly at identity and KYC verification. Discovery is mid, found under four times in ten.", "de": "Jede Agent-Klasse erreicht die Girokonto-Eröffnungs-Strecke ohne Login; der Antrag schließt nur teilweise ab bei Identitäts- und KYC-Prüfung. Discovery ist mittel, knapp unter vier von zehn Malen gefunden." } }, "testNarrative": { "verdict": { "en": "Found, parsed, and form-ready across every class. KYC is the last mile.", "de": "Gefunden, geparst und formularbereit über jede Klasse. KYC ist die letzte Meile." }, "narrative": { "en": "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.", "de": "Wir haben fünf Typen von KI-Agenten geschickt, um für das Commerzbank-Girokonto einen Eröffnungszustand zu erreichen, für jemanden neu in Deutschland auf der Suche nach einem günstigen Konto. Ein simpler Abruf und ein Skript hielten die gelockte GT (das Konto und seinen Monatspreis), der Browser-Agent erreichte die Eröffnungs-Strecke in allen drei Läufen, ohne Login zum Start. Der Antrag schließt unter einem Agenten nur teilweise ab: Identitäts- und KYC-Prüfung sind der regulierte letzte Schritt." }, "scopeShift": { "en": "This is one product for one persona. Commerzbank offers current accounts, cards, loans, business banking, and brokerage, each with its own flow.", "de": "Das ist ein Produkt für eine Persona. Commerzbank bietet Girokonten, Karten, Kredite, Geschäftskunden-Banking und Brokerage, jeweils mit eigener Strecke." }, "agentMatrix": [ { "type": "text", "status": "success", "note": "Raw HTTP holds the locked GT (Girokonto + monthly cost)" }, { "type": "search", "status": "pending", "note": "LLM runs pending" }, { "type": "code", "status": "success", "note": "Coding reaches the opening flow from page anchors" }, { "type": "browser", "status": "success", "note": "3/3 runs, account-opening form reached, no login to start" }, { "type": "full_automation", "status": "partial", "note": "Opening form reached; identity/KYC verification only partly completable by an agent" } ] }, "fairnessDeclaration": { "reviewPassed": false, "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.", "methodologyUrl": "https://www.hyperize.ai/en/methodology/task-selection", "sectorGridRef": null }, "activeTasks": [ { "title": { "en": "Commerzbank Girokonto (current account)", "de": "Commerzbank Girokonto" }, "closeState": "booking_form_ready", "intermediaryMode": "none", "businessRelevance": null, "difficultyBand": null, "engpass": { "en": "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.", "de": "Gefunden, geparst und formularbereit über alle Klassen; der Antrag schließt unter einem Agenten nur teilweise ab, weil Identitäts-/KYC-Prüfung der regulierte letzte Schritt ist." } } ], "scoreHistory": [ { "date": "2026-05-22", "quarter": "Q2 2026", "waveId": "WAVE-Q2-2026-W2", "protocolVersion": "ars-methodology/v1.1", "summary": "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." } ], "methodology": { "formula": "Agent Success Score = (AI Visibility × 0.20) + (AI Usability × 0.70) + (Evidence × 0.10)", "usabilityDerivation": "usability-derivation/v1", "protocolVersion": "ars-methodology/v1.1", "taskSelection": "https://www.hyperize.ai/en/methodology/task-selection", "agentSurface": "https://www.hyperize.ai/en/methodology", "dimensions": { "aiVisibility": "AI Visibility (Discoverability) — audit-pipeline-derived. 3–4 providers × 3 query variants × 2 runs.", "aiUsability": "AI Usability — derived from the per-class access profile (which agent classes reach the close state) modulated by close-state depth. The profile is the truth; the score is a reproducible summary, not a hand-rating.", "evidence": "Evidence — cross-method ground-truth consistency. A confidence layer, not a sales axis." } }, "consequenceClose": { "archetype": "actionability", "archetypeLabel": { "en": "actionability", "de": "Actionability" }, "source": "brand", "diagnosis": { "en": "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).", "de": "In der Produkt-Discovery ist Commerzbank nicht schwer zu erreichen oder zu parsen, jede Klasse hielt das Girokonto und seine Kosten und erreichte die Eröffnungs-Strecke. Es dünnt am regulierten letzten Schritt aus: Identitäts- und KYC-Prüfung schließen unter einem Agenten nur teilweise ab. Der Handoff ist die Lücke, bei mittlerer Discovery (knapp unter vier von zehn Malen gefunden)." }, "evidence": { "en": "Found and form-ready across every agent class; the account opening stops at the KYC step.", "de": "Gefunden und formularbereit über jede Agent-Klasse; die Kontoeröffnung stoppt am KYC-Schritt." }, "question": { "en": "The question this raises: where would deeper Action-pathway measurement — handoff stability, deep-link routing, structured booking endpoints — sharpen the read?", "de": "Die Frage daraus: Wo würde tiefere Action-Pfad-Messung — Handoff-Stabilität, Deep-Link-Routing, strukturierte Booking-Endpunkte — die Lesart schärfen?" }, "confidenceHedge": { "en": "Based on the current pilot slate, this read is directional.", "de": "Basierend auf dem aktuellen Pilot-Slate ist diese Lesart direktional." }, "closes": { "en": "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.", "de": "Den regulierten Handoff lesbar machen, keine weitere Produktseite. Ein strukturierter Eröffnungspfad, den ein Agent bis zum Verifikationsschritt tragen kann, und klare Evidenz, was der KYC-Schritt verlangt, damit der Agent sauber übergibt statt zu stocken." }, "proof": { "en": "The proof isn't a simpler cost overview. It's agents carrying the account opening to a clean KYC handoff, re-measured each wave.", "de": "Der Beweis ist nicht eine einfachere Kostenübersicht. Es ist, dass Agenten die Kontoeröffnung bis zu einem sauberen KYC-Handoff tragen, neu gemessen mit jeder Wave." }, "ctas": [ { "weight": "primary", "eyebrow": "Audit · €1,900", "title": { "en": "Commission an audit.", "de": "Audit beauftragen." }, "body": { "en": "Where the BrandScore opens the question, an audit closes it. An interpretive engagement on your full surface, scored under the same methodology.", "de": "Wo die BrandScore die Frage öffnet, schließt sie ein Audit. Ein interpretatives Engagement auf der vollen Surface, gemessen unter derselben Methodologie." }, "cta": { "en": "Get the audit", "de": "Audit anfragen" }, "href": "mailto:hello@hyperize.ai?subject=Audit%20%C2%B7%20Commerzbank" }, { "weight": "secondary", "eyebrow": "Founding · €4,500", "title": { "en": "Found with us.", "de": "Founding Program." }, "body": { "en": "Strategic partnership for brands building agent success as a long-term capability, not a one-off engagement.", "de": "Strategische Partnerschaft für Marken, die Agent-Success als langfristige Capability aufbauen — nicht als Einmal-Engagement." }, "cta": { "en": "Apply", "de": "Bewerben" }, "href": "mailto:hello@hyperize.ai?subject=Founding%20Program%20%C2%B7%20Commerzbank" }, { "weight": "secondary", "eyebrow": "Snapshot", "title": { "en": "Audit an adjacent property.", "de": "Eine angrenzende Property messen." }, "body": { "en": "The BrandScore covers the primary domain. Get the same methodology applied to an adjacent property: a country site, a sub-brand, a category beyond the DAX-40 slate.", "de": "Die BrandScore deckt die primäre Domain ab. Die gleiche Methodologie für eine angrenzende Property: eine Länderseite, eine Sub-Brand, eine Kategorie außerhalb des DAX-40-Slates." }, "cta": { "en": "Get a Snapshot", "de": "Snapshot anfragen" }, "href": "mailto:hello@hyperize.ai?subject=Snapshot%20%C2%B7%20adjacent%20property%20for%20Commerzbank" } ] }, "sources": [ { "id": "S1", "label": "Gate-1 audit run · Commerzbank Wave Q2 2026", "accessedAt": "2026-05-22", "supports": [ "AI Visibility score (18/18 valid datapoints across 3 providers)", "the close state reached (booking_form_ready)" ], "url": null, "kind": "internal", "internalLabel": "Internal · Hyperize audit pipeline" }, { "id": "S2", "label": "Hyperize fleet · a fleet wave Finance (access profile)", "accessedAt": "2026-05-22", "supports": [ "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)" ], "url": null, "kind": "internal", "internalLabel": "Internal · Hyperize fleet (Giorgio)" }, { "id": "S3", "label": "Task Selection Doctrine", "accessedAt": "2026-05-22", "supports": [ "fairness declaration", "Third-Party Interception framing" ], "url": "https://www.hyperize.ai/en/methodology/task-selection", "kind": "public", "internalLabel": null } ], "crossLinks": { "index": "https://www.hyperize.ai/en/dax40-index", "taskSelection": "https://www.hyperize.ai/en/methodology/task-selection", "agentSurface": "https://www.hyperize.ai/en/methodology", "foundingProgram": "https://www.hyperize.ai/en/founding-program" }, "scope": { "publishes": [ "Brand identity (name, legal entity, DAX ticker, sector)", "Composite (index-ranking) + AI Visibility + AI Usability (as access profile + derived score) + Evidence, with weights", "Per-agent-class access profile (which agent classes reach the close state)", "Third-Party Interception classification, direct/intermediary share, narrative", "Hyperize-selected task titles, close state, intermediary mode, task score, bottleneck sentence", "Measurement timeline (date, wave, protocol version, summary)", "Sources with public URLs or internal-evidence pointers", "Confidence grade + Evidence tier + Next review date", "Bottleneck classification (Discovery / Interception / Usability / Multi-axis / No dominant gap)", "Bottleneck archetype + consequence-claim diagnosis + operator question", "Test narrative (verdict, narrative, agent matrix, scope shift) — scene-level prose, no prompts or formulas" ], "doesNotPublish": [ "Task identifiers (internal)", "Raw and derived measurement artifact paths (internal repos)", "Per-phase outcome tables (ceiling / http / coding / browser_standard / act)", "Individual prompts and provider-specific transcripts", "Scoring derivation steps below the dimension level", "Sector task grid file references when still draft" ] } }