Proof of Usefulness Report

Bayan Credit Bureau

Analysis completed on 2/7/2026

+581

Proof of Usefulness Score

Industry Mainstay

The project 'Bayan Credit Bureau' is a verified, critical financial infrastructure entity in Saudi Arabia (licensed by SAMA, established 2015, 350+ employees), despite the low-quality submission (incorrect name 'StarForge', vague claims). The entity has high real-world utility and significant traction as a semi-governmental credit bureau. The score reflects the high value of the verifiable project, penalized significantly for the poor quality of the submission evidence.

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Score Breakdown

Real World Utility2.5)

Audience Reach Impact2.0)

Technical Innovation1.5)

Evidence Of Traction2.5)

Market Timing Relevance1.0)

Functional Completeness0.5)

Subtotal+683

Usefulness Multiplierx0.85

Final Score+581

Project Details

Project URL

bayancb.com

Description

Established in 2015, Bayan Credit Bureau is a joint-stock Saudi company licensed by The Saudi Central Bank (SAMA) to be the first provider of Integrated Corporate Credit Services focused on Trades information. Bayan is a semi-governmental company owned by Thiqah, Takamol, Alinma Bank, GIB Bank, Albilad Bank.

Algorithm Insights

Market Position

Strong market validation with clear user adoption patterns

User Engagement

Documented reach suggests active user community

Technical Stack

Modern tech stack aligned with sponsor technologies

Recommendations to Increase Usefulness Score

Document User Growth

Provide specific metrics on user acquisition and retention rates

Showcase Revenue Model

Detail sustainable monetization strategy and current revenue streams

Expand Evidence Base

Include testimonials, case studies, and third-party validation

Technical Roadmap

Share development milestones and feature completion timeline