Summary
Digital visibility is evolving from search engines to AI-based systems. Users no longer just browse Google results; instead, they direct their questions to AI assistants and make decisions based on the recommendations these systems provide.
In this analysis, the AI answer visibility of brands operating in participation banking and interest-free finance, holding a BRSA license in Turkey, was examined. Within the scope of the study, 20 different prompts focused on interest-free home and car finance were used, and more than 1000 AI responses to these prompts were analyzed.
The main objective of the analysis is to understand which brands AI systems recommend in this field and how often, and to reveal the distribution of the sector in terms of AI visibility.
Why it matters
Searching with AI works differently from classical searching.
Google gives you a list. AI gives recommendations.
Therefore, visibility is no longer a matter that can only be explained by SEO.
A brand may rank high in search results. But if it's not in the AI answer, it can become almost invisible to the user.
One of the metrics we use at Fetchme to measure this situation is the AI mention rate.
The AI mention rate is calculated as the ratio of the number of AI answers where the brand's name is mentioned to the total number of AI answers.
Findings
Eminevim was the most notable brand in the analysis.
It stands out as the most visible brand with an AI mention rate of approximately 12%. This indicates that AI models strongly associate the topic of interest-free finance with Eminevim.
Immediately following are Birevim and Katılım Evim. Both brands have a visibility of around 10%. These brands regularly appear in answers describing savings finance systems.
In the next group are brands such as Sinpaş and Emlak Katılım. Although these brands appear at lower rates, they are seen to be recommended by AI for certain types of questions. It is particularly noteworthy that in some scenarios, AI models also include participation banks in the answers instead of direct savings finance companies.
Looking at the overall distribution, it is clear that:
AI models do not always recommend the largest brand, but rather the brand that most strongly matches the topic.
From an AEO perspective
These results are highly significant from an AEO (Answer Engine Optimization) perspective.
AEO is an optimization approach that aims for brands to be correctly recognized and recommended by AI systems. It can be thought of as the AI systems' equivalent to the role SEO plays for search engines.
AI models typically use entity mapping when evaluating a brand. This concept refers to the topics with which a brand is mentioned on the internet.
If a brand is strongly associated with topics, AI models are more likely to recommend that brand.
Conclusion
AI systems no longer just provide information; they directly influence user decisions.
Especially in trust-based areas like interest-free finance, users often proceed with a few brands recommended by AI.
This creates a new competitive arena:
AI visibility.
Being visible in search engines is still important. However, appearing in AI answers is becoming increasingly critical.
One of the most striking points in this analysis is this:
While some brands are well-known in the sector, they do not appear at the expected level in AI answers.
Some brands, despite being positioned in a narrower field, are very clearly recommended by AI.
This difference often stems not from brand size, but from how AI systems learn about the brand.
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This analysis was prepared in March 2026 using data from the fetchme.ai AI Visibility Platform. Results may vary depending on AI engine updates