Proof of Usefulness Report

BNP Paribas Cardif

Analysis completed on 2/14/2026

+644
Proof of Usefulness Score
Category Standard

The submission represents BNP Paribas Cardif, a verified global leader in bancassurance with over €30B in revenue and 80M customers. While the entity's real-world scale and utility are exceptional, the submission itself is of low quality, featuring pseudonyms ('AncientKeeper'), vague descriptions, and formatting errors. The project scores highly on objective traction and reach metrics but low on technical innovation and response quality, as it reflects a traditional business model rather than a specific technological breakthrough.

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Score Breakdown

Real World Utility+158
Audience Reach Impact+210
Technical Innovation+11
Evidence Of Traction+263
Market Timing Relevance+56
Functional Completeness+2
Subtotal+700
Usefulness Multiplierx0.92
Final Score+644

Project Details

Description
BNP Paribas Cardif is a world leader in bancassurance partnerships, providing its more than 80 million customers with products and services that let them realize their goals while protecting themselves from unforeseen events. BNP Paribas Cardif is committed to having a positive impact on society and to making insurance more accessible. A subsidiary of BNP Paribas, the insurer has a unique business model anchored in partnerships. It creates solutions for more than 500 partner distributors in a variety of sectors – including banks and financial institutions, automotive sector companies, retailers, telecommunications companies and energy companies – as well as for financial advisors and brokers who market the products to their customers. With a presence in 30 countries and strong positions in Europe, Asia and Latin America, BNP Paribas Cardif is a global specialist in personal insurance, the world leader in creditor insurance and a major contributor to financing for the real economy. With over 8,000 employees worldwide, BNP Paribas Cardif had gross written premiums of €30.3 billion in 2023. To know more about our Data Protection Notice: https://bnpp.lk/ENLdJb

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