Financial Services & Fintech
🟢 SERP-Grounded (Light Telemetry)
SPDB Credit Card
Programmatic AI Search & Model Visibility Audit
Share of Model (SOM)The percentage of time frontier AI models (ChatGPT, Claude, Gemini) recommend this brand for high-intent category queries.
15.0%
-5.0% 30-Day MomentumThe rolling 30-day change in algorithmic Share of Model. Positive momentum indicates increasing AI mindshare.
🧠 Neural Valency:VulnerableThe contextual sentiment of the AI's recommendation. 'Dominant' implies strong conviction, while 'Vulnerable' implies the model heavily conditions its recommendation.
Algorithmic Threat Detection
Primary Competitor Threat
UnionPay
Competitor Displacement Rate
25.0%
Competitors are displacing SPDB Credit Card in 25.0% of high-intent buyer queries.The frequency at which AI models actively suggest a competitor as a superior alternative to this brand.
Algorithmic Rationale: Competitors offer more aggressive rewards programs and broader acceptance networks. Lacks integration with popular mobile payment platforms.
Missing AI Citations:High-authority domains (e.g., Reddit, G2) that models cite to justify recommending competitors, where this brand currently lacks presence.
[unionpay.com][visa.com][mastercard.com]⚠️ Identified Vulnerability:Rewards & Acceptance
Primary Threat Identified:UnionPay
Target Persona:Frequent International Travelers
🚨 Threat Velocity:4/10An algorithmic urgency score (1-10) indicating how rapidly competitors are capturing this brand's historical AI search share.
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