AI Visibility Index · weekly measurement

Who does AI recommend in Montenegro?

Every Monday we ask ChatGPT (with web search, from Podgorica) and Gemini (from the model’s own knowledge) the same questions. We record which businesses they recommend and which websites ChatGPT cites as sources.

week 40 · 2026

Last measured: 3 October 2026
Models: ChatGPT · gpt-5.4-mini
Gemini · gemini-2.5-flash
Panel: 33 × 2 · 46 answers

78.8%: of ChatGPT answers cite at least one Montenegrin website
55.7%: of ChatGPT’s citations point to Montenegrin (.me) websites
46.6%: of the searches ChatGPT runs for Montenegrin-language questions are in Montenegrin
33%: overlap between ChatGPT and Gemini on the five most-named businesses

Week-by-week trend

The trend appears from the second week of measurement.

Which websites ChatGPT cites most

Number of citations across all answers this week. Montenegrin websites are highlighted.

Montenegrin (.me) site
Other

montenegro.travel6
telekom.me5
whatclinic.com5
cbcg.me4
uniqa.me4
nlb.me3
ckb.me3
google.com3
tehnomax.me3
montenegrostars.com3

Results by sector

For each sector: which businesses AI names most often, which websites ChatGPT relies on and what exactly it searched for.

Banking

local sources 93.8% · model overlap 43%

Most-named businesses

Business	ChatGPT	Gemini
NLB banka	GPT 3/3	Gem 3/3
CKB	GPT 3/3	Gem 2/3
Erste banka	GPT 1/3	Gem 2/3
Addiko Bank	GPT 1/3	Gem 2/3
Universal Capital Bank	GPT 0/3	Gem 3/3
CBCG	GPT 2/3	Gem 0/3

number of answers that mention the business

Top sources (ChatGPT)

cbcg.me · 4
nlb.me · 3
ckb.me · 3
erstebank.me · 2
addiko.me · 2
lovcenbanka.me · 1

ChatGPT searched for

„Koja banka u Crnoj Gori ima najbolje uslove za stambeni kredit?“

site:.me stambeni kredit banka Crna Gora kamatna stopa 2026
site:cbcg.me stambeni kredit kamatne stope banke Crna Gora 2026
site:banken? Crna Gora stambeni kredit uslovi 2026
site:cbcg.me stambeni krediti Hipotekarna banka 2026 kamata
site:cbcg.me stambeni krediti NLB banka 2026 kamata
site:cbcg.me stambeni krediti Erste banka 2026 kamata

Questions in this sector

Koja banka u Crnoj Gori ima najbolje uslove za stambeni kredit? ME
Koja je najbolja banka u Crnoj Gori za tekući račun i mobilno bankarstvo? ME
Which bank in Montenegro is best for a foreigner opening an account? EN

Mobile and internet

local sources 100% · model overlap 67%

Most-named businesses

Business	ChatGPT	Gemini
Crnogorski Telekom	GPT 3/3	Gem 3/3
m:tel	GPT 2/3	Gem 3/3
One	GPT 1/3	Gem 1/3
Telekom	GPT 1/3	Gem 1/3
Telenor	GPT 0/3	Gem 2/3
Ericsson	GPT 1/3	Gem 0/3

number of answers that mention the business

Top sources (ChatGPT)

telekom.me · 5
mtel.me · 2
1.me · 1
ekip.me · 1

ChatGPT searched for

„Koji mobilni operater u Crnoj Gori ima najbolju mrežu i cijene?“

Crna Gora mobilni operateri 2026 mreža cijene official One mtel Telekom planovi
Montenegro mobile network coverage 2026 operator One mtel Telekom official coverage
Ookla Speedtest Montenegro mobile networks 2025 One mtel Telekom
site:one.me cjenovnik mobilna telefonija 2026 pdf
site:one.me mobilni paketi 2026 cijene one crna gora
site:one.me mapa pokrivenosti 5g 2026

Questions in this sector

Koji mobilni operater u Crnoj Gori ima najbolju mrežu i cijene? ME
Koji je najbolji internet paket za kuću u Podgorici? ME
What's the best SIM card for tourists in Montenegro? EN

Hotels

local sources 12.5% · model overlap –

Most-named businesses

Business	ChatGPT	Gemini
Hotel Montenegro Beach Resort	GPT 1/3	Gem –
Kids World	GPT 1/3	Gem –
Dukley Hotel & Resort	GPT 1/3	Gem –
Kids Club	GPT 1/3	Gem –
Montenegrina Hotel & SPA	GPT 1/3	Gem –
Hotel Budva	GPT 1/3	Gem –

number of answers that mention the business

Top sources (ChatGPT)

montenegrostars.com · 3
dukleyhotels.com · 1
hotelmontenegrina.me · 1
montenegro.travel · 1
hilton.com · 1
podgorica.travel · 1

ChatGPT searched for

„Koji su najbolji hoteli u Budvi za porodični odmor?“

Budva family-friendly hotels official website kids pool family rooms beach Montenegro 2026
Budva family hotel kids club official Montenegro hotel Budva
Budva hotels family reviews 2026 travel guide
site:*.com Budva hotel family rooms kids club official
site:*.me Budva hotel family rooms official Montenegro
site:*.com Budva resort kids club official Montenegro

Questions in this sector

Koji su najbolji hoteli u Budvi za porodični odmor? ME
Preporučite dobar hotel u Podgorici za poslovni put. ME
What are the best luxury hotels in Montenegro? EN

Tours and excursions

local sources 23.1% · model overlap 0%

Most-named businesses

Business	ChatGPT	Gemini
360 Monte	GPT 0/3	Gem 2/3
TravelCloud	GPT 1/3	Gem 0/3
Carine DMC	GPT 1/3	Gem 0/3
Adria Line DMC	GPT 1/3	Gem 0/3
Kotor Travel	GPT 1/3	Gem 0/3
Kotor Boat Tours	GPT 1/3	Gem 0/3

number of answers that mention the business

Top sources (ChatGPT)

montenegro.travel · 5
lovekotor.com · 1
travelcloud.me · 1
kotortravel.com · 1
carinedmc.me · 1
adrialine.me · 1

ChatGPT searched for

„Koje izlete u Crnoj Gori biste preporučili i sa kojom agencijom?“

site:.me izleti Crna Gora agencija rafting Tara Boka Kotorska Skadar Durmitor
site:.com Montenegro tours agency day trips Montenegro Kotor Budva Durmitor Tara Skadar official
site:.me Montenegro travel agency excursions Durmitor Skadar Boka official
Montenegro day trips agency Kotor Budva Durmitor Tara Skadar official tours
Crna Gora izleti agencija Durmitor Tara Skadar Boka Kotorska
Montenegro tours official agency day trips

Questions in this sector

Koje izlete u Crnoj Gori biste preporučili i sa kojom agencijom? ME
Which company is best for a boat tour in the Bay of Kotor? EN
What are the best day tours from Budva? EN

Car rental

local sources 25% · model overlap 11%

Most-named businesses

Business	ChatGPT	Gemini
Sixt	GPT 2/3	Gem 3/3
Enterprise	GPT 2/3	Gem 3/3
Hertz	GPT 1/3	Gem 3/3
Avis	GPT 1/3	Gem 3/3
Budget	GPT 1/3	Gem 3/3
Europcar	GPT 1/3	Gem 3/3

number of answers that mention the business

Top sources (ChatGPT)

tripadvisor.com · 2
business.google.com · 1
booking.com · 1
carrentalpriceindex.com · 1
montenegroairports.com · 1
perla.me · 1

ChatGPT searched for

„Koja rent-a-car agencija u Podgorici je najbolja?“

rent a car Podgorica najbolja agencija recenzije 2026
Podgorica rent a car agency reviews rating
rent a car Podgorica recenzije agencije
site:business.google.com Podgorica rent a car 4.8 reviews
site:business.google.com Podgorica rent a car 5.0 reviews
site:tripadvisor.com Podgorica rent a car reviews

Questions in this sector

Koja rent-a-car agencija u Podgorici je najbolja? ME
Which car rental company is best at Podgorica or Tivat airport? EN
What are the most reliable car rental companies in Montenegro? EN

Real estate

local sources 42.9% · model overlap 43%

Most-named businesses

Business	ChatGPT	Gemini
Dream Estates Montenegro	GPT 1/3	Gem 1/1
Savills	GPT 1/3	Gem 1/1
Montenegro Prospects	GPT 1/3	Gem 1/1
Ministarstvo ekonomskog razvoja	GPT 1/3	Gem 0/1
KIPS	GPT 1/3	Gem 0/1
DADI Gradnja	GPT 1/3	Gem 0/1

number of answers that mention the business

Top sources (ChatGPT)

gov.me · 1
dreammontenegro.com · 1
montenegroprospects.com · 1
estitor.com · 1
kips.me · 1
dadigradnja.com · 1

ChatGPT searched for

„Koja agencija za nekretnine u Crnoj Gori je najpouzdanija?“

Crna Gora agencija za nekretnine licenca registrovana nekretnine official
Montenegro real estate agency licensed official registry
najpoznatije agencije za nekretnine u Crnoj Gori official
site:*.me Montenegro Prospects about Montenegro real estate agency
site:*.me Dream Montenegro real estate about escrow account
site:*.me Montenegro property real estate agency about

Questions in this sector

Koja agencija za nekretnine u Crnoj Gori je najpouzdanija? ME
Koji investitori grade najbolje nove stanove u Podgorici? ME
Which real estate agency should I use to buy property in Montenegro? EN

Private healthcare

local sources 18.2% · model overlap –

Most-named businesses

Business	ChatGPT	Gemini
Nova Medic	GPT 1/3	Gem –
DENTOSAN	GPT 1/3	Gem –
Bolnicu Codra	GPT 1/3	Gem –
Konzilijum	GPT 1/3	Gem –
Milmediku	GPT 1/3	Gem –
Moj Lab	GPT 1/3	Gem –

number of answers that mention the business

Top sources (ChatGPT)

whatclinic.com · 5
google.com · 2
gov.uk · 1
milmedika.com · 1
konzilijum.me · 1
arsmedica.co.me · 1

ChatGPT searched for

„Koja je najbolja stomatološka ordinacija u Podgorici?“

best dental clinic Podgorica reviews 2026 stomatološka ordinacija Podgorica
stomatološka ordinacija Podgorica recenzije
Podgorica dental clinic reviews Google Maps
site:google.com/maps Podgorica stomatoloska ordinacija 4.8 reviews
site:business.google.com Podgorica dental clinic Google reviews
site:google.com/maps Podgorica dental clinic 5.0 reviews

Questions in this sector

Koja je najbolja stomatološka ordinacija u Podgorici? ME
Koja privatna bolnica ili poliklinika u Crnoj Gori je najbolja? ME
Where can I get dental implants in Montenegro? EN

Insurance

local sources 100% · model overlap –

Most-named businesses

Business	ChatGPT	Gemini
Lovćen	GPT 3/3	Gem –
Uniqa	GPT 3/3	Gem –
Grawe	GPT 3/3	Gem –
Sava	GPT 2/3	Gem –
Generali	GPT 2/3	Gem –
NBOCG	GPT 1/3	Gem –

number of answers that mention the business

Top sources (ChatGPT)

uniqa.me · 4
sava.co.me · 2
bankar.me · 1
grawe.me · 1
lovcen-osiguranje.me · 1
nbocg.me · 1

ChatGPT searched for

„Koje osiguravajuće društvo u Crnoj Gori je najbolje za kasko osiguranje?“

Crna Gora kasko osiguranje osiguravajuća društva 2026 Montenegro kasko najbolji
kasko osiguranje Crna Gora osiguravajuća društva Montenegro Allianz Uniqua Lovćen Wiener Sava
osiguranje.me kasko Crna Gora osiguravajuća društva
Centralna banka Crne Gore osiguravajuća društva neživotno osiguranje kasko
site:ano.me Crna Gora društva neživotnog osiguranja lista 2026
site:ano.me kasko osiguranje Crna Gora društva

Questions in this sector

Koje osiguravajuće društvo u Crnoj Gori je najbolje za kasko osiguranje? ME
Gdje je najbolje uzeti privatno zdravstveno osiguranje u Crnoj Gori? ME
Which insurance company in Montenegro is best for car insurance? EN

Online shopping

local sources 76.5% · model overlap –

Most-named businesses

Business	ChatGPT	Gemini
Tehnomax	GPT 2/3	Gem –
Multicom	GPT 1/3	Gem –
MobileLand	GPT 1/3	Gem –
Beepco	GPT 1/3	Gem –
Tehno Zona	GPT 1/3	Gem –
Voli eCommerce	GPT 1/3	Gem –

number of answers that mention the business

Top sources (ChatGPT)

tehnomax.me · 3
multicom.me · 1
mobileland.me · 1
staging.beepco.me · 1
tehnozona.me · 1
tivat.voli.me · 1

ChatGPT searched for

„Gdje je najbolje kupiti tehniku online u Crnoj Gori?“

Crna Gora online prodaja tehnike elektronika shop Crna Gora
najbolje online prodavnice tehnike Crna Gora
elektro shop Crna Gora online kupovina
online tehnika Crna Gora prodavnica
Crna Gora elektronika online shop
Montenegro online electronics store

Questions in this sector

Gdje je najbolje kupiti tehniku online u Crnoj Gori? ME
Koji su najpouzdaniji online šopovi u Crnoj Gori? ME
Which online shops deliver reliably to Montenegro? EN

Education

local sources 50% · model overlap –

Most-named businesses

Business	ChatGPT	Gemini
Univerzitet Donja Gorica (UDG)	GPT 1/3	Gem –
UDG	GPT 1/3	Gem –
Univerzitet Mediteran	GPT 1/3	Gem –
Erasmus+	GPT 1/3	Gem –
Oxford Centar	GPT 1/3	Gem –
Institut za strane jezike Podgorica	GPT 1/3	Gem –

number of answers that mention the business

Top sources (ChatGPT)

udg.edu.me · 2
akokvo.me · 1
unimediteran.net · 1
eaquals.org · 1
isjpg.me · 1
helendoron.me · 1

ChatGPT searched for

„Koji je najbolji privatni fakultet u Crnoj Gori?“

private universities Montenegro accredited faculties official list
private higher education institutions Montenegro official accreditation
University of Donja Gorica Montenegro official
University Mediterranean Montenegro official
site:azvo.me accredited higher education institutions Montenegro private universities
site:azvo.me UDG accreditation Montenegro

Questions in this sector

Koji je najbolji privatni fakultet u Crnoj Gori? ME
Koja škola stranih jezika u Podgorici je najbolja? ME
What are the best international schools in Montenegro? EN

Legal and accounting

local sources 72.7% · model overlap –

Most-named businesses

Business	ChatGPT	Gemini
BDK Advokati	GPT 1/3	Gem –
Moravčević Vojnović and Partners in cooperation with Schoenherr	GPT 1/3	Gem –
Karanović & Partners in cooperation with local lawyers	GPT 1/3	Gem –
Komnenić & Partners	GPT 1/3	Gem –
Tripković & Raičević	GPT 1/3	Gem –
Vavić & Vujisić	GPT 1/3	Gem –

number of answers that mention the business

Top sources (ChatGPT)

chambers.com · 1
trlegal.me · 1
google.com · 1
perfectum.me · 1
racunovodstvo.me · 1
prolegal.me · 1

ChatGPT searched for

„Koja advokatska kancelarija u Podgorici je najbolja za privredno pravo?“

Podgorica advokatska kancelarija privredno pravo najbolje Montenegro commercial law firm Podgorica
site:advokati.me Podgorica privredno pravo kancelarija
site:chambers.com Montenegro commercial law Podgorica law firm

Questions in this sector

Koja advokatska kancelarija u Podgorici je najbolja za privredno pravo? ME
Koja knjigovodstvena agencija u Podgorici je dobra za mala preduzeća? ME
Which law firm can help me register a company in Montenegro? EN

How we measure

01
A panel of 33 questions across 11 sectors, mostly in Montenegrin, some in English (tourism and foreigners). The questions stay the same every week, so results are comparable.
02
ChatGPT: model gpt-5.4-mini via the OpenAI API, with web search on and the location set to Podgorica. We record the answer, the cited sources and the queries the model searched for itself.
03
Gemini: model gemini-2.5-flash without Google Search, so only what the model “knows”. Google’s terms don’t allow analysing search-grounded answers, so we don’t measure them.
04
A separate language model extracts business names from each answer; we merge names that are clearly the same (“NLB” and “NLB Banka”). Each question is asked once a week, so individual results vary; read the trend, not a single week.
05
The index shows what AI answers, not our recommendation. Some businesses we work with may appear in answers; the panel deliberately contains no questions from their niches.