Proof of Usefulness Report

Response Analytics

Analysis completed on 2/16/2026

+473
Proof of Usefulness Score
Industry Mainstay

Response Analytics appears to be a legitimate, established fintech company (founded 2006, ~30 employees) serving the Federal Home Loan Bank system. However, the project submission itself is of very low quality, containing factually incorrect placeholders (e.g., 'everyone' as audience, 'most people' as traction). While the underlying business has high real-world utility and verified longevity, the submission's lack of effort and inaccurate claims significantly reduce the score, particularly in Audience Reach and Response Quality. The score reflects a solid established business penalized for a poor submission.

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Score Breakdown

Real World Utility+212.5
Audience Reach Impact+42.0
Technical Innovation+90.0
Evidence Of Traction+90.0
Market Timing Relevance+75.0
Functional Completeness+5.0
Subtotal+514.5
Usefulness Multiplierx0.92
Final Score+473

Project Details

Description
RA provides the FHLBank System district banks and their members with innovative credit and collateral management solutions that meet the diverse and complex needs of each district bank and the members within those districts. Response Analytics has developed and introduced two core solutions for the FHLBank System and its members that are configurable and adaptive to each client’s needs. For the FHLB district banks, the Credit and Collateral Management System (CCMS) is being successfully utilized to provide an integrated core application for processing collateral and credit. The solution provides a streamlined platform for all member assets: loans, securities, CDs, and any other assets. In addition, the solution offers collateral detail level analysis, along with asset advance and position monitoring all in a robust user configured application. For the FHLB member banks, credit unions, and insurance companies, the Pledge Manager (PM) solution is the foundation offering for streamlining the information submission process, managing custodian locations, and reporting on collateral makeup and performance. The PM has been designed and developed specifically for FHLB member institutions as a result of Response Analytics’ experience working with FHLB district banks. Please follow us as we announce new functionality for solving FHLBank system issues and create new discussion groups focused on the unique issues of the system.

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