Proof of Usefulness Report

M&T Bank

Analysis completed on 1/25/2026

+496
Proof of Usefulness Score
Industry Mainstay

The submission represents M&T Bank, a major US financial institution with established high utility, significant revenue, and broad reach. However, the submission quality is extremely low, featuring copy-pasted corporate descriptions, vague or exaggerated claims (e.g., 'most people have used my product', 'marketcap: 1000000001'), and a lack of specific evidence. While the entity itself scores highly on traction and utility metrics due to its verifiable real-world status (Top 11 Bank), the Proof of Usefulness score is penalized by low Quality Factors (Qi) reflecting the poor effort and lack of specific technical detail in the application.

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Score Breakdown

Real World Utility+190
Audience Reach Impact+119
Technical Innovation+22.5
Evidence Of Traction+135
Market Timing Relevance+48
Functional Completeness+2.5
Subtotal+517
Usefulness Multiplierx0.96
Final Score+496

Project Details

Project URL
Description
Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. Founded in 1856 in Buffalo, NY we are now a top 11 full-service US-based commercial bank with a retail footprint across the east coast and wealth services available nationwide and abroad. As a bank, we offer advice, guidance, expertise, and solutions across the entire financial spectrum that combines M&T’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. We are a community-minded organization with more than 167 years of experience. We serve customers, community, and colleagues whether they be across the street, across the state or across the country. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values drive the work we do – integrity, ownership, collaboration, curiosity, candor and we seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws.

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