Temporal Analysis

Business Stability business_stability

Whether a business looks steady over time: years trading, an unchanged name and address, a consistent phone and no signs of closure. The model avoids recommending businesses that look unstable or possibly closed.

What you can do: State your founding year, keep name, address and phone stable everywhere, and fix any closed or moved flags.

evidence.assessment (was evidence.freshness in the provisional inventory: Judges reliability from trading history, not evidence recency.) · also called stability assessment, business reliability

Checked by Anywhere that marks you closed or moved

Quality Trajectory quality_trajectory

Whether a business's quality looks to be improving or slipping over time, judged from review ratings and complaints by date. A pet groomer with recent poor reviews after good years may be downgraded.

What you can do: Watch recent reviews, reply to problems publicly and say what you changed.

evidence.freshness · also called quality trend, quality progression

Review Momentum review_momentum

The pace and recency of new reviews, for example ten reviews last month versus none in two years. The model reads steady recent reviews as a sign the business is active and still good.

What you can do: Ask every satisfied customer for a review so new ones keep arriving.

reputation.evidence · also called review activity, review dynamics

Used in 1 of 100 census runs this week: “Google, Yelp, Angie's List, Better Business Bureau”

Community Freshness community_freshness

How recent the community talk about a business is, such as forum threads, neighbourhood group posts or Q&A answers. Old or no discussion counts less than current mentions.

What you can do: Answer local questions about your trade and keep community profiles and Q&A current.

evidence.freshness · also called community engagement, community activity

Credit Union Process credit_union_process

The steps and typical timeline the model expects for getting a product from a credit union, such as membership first, then a loan application. It uses this to compare lender types for the user.

What you can do: If you are a credit union, publish membership rules, application steps, documents needed and typical approval times.

comparison.context (was evidence.freshness in the provisional inventory: Lender process used to compare lender types.) · also called credit union workflow, credit union procedure

External Verification external_verification

Whether outside sources confirm a business's claims, such as a state licence lookup, a BBB file or a manufacturer certification list, and whether that confirmation is current. The model trusts confirmed claims more.

What you can do: Link each claim you make to an outside source that confirms it, and keep those sources current.

claims.verification · also called third-party validation, external validation

Online Lender Process online_lender_process

The steps and timeline the model expects for an online lender, such as a digital application and decision within days. It contrasts this with banks and credit unions.

What you can do: If you lend online, publish the application steps, documents, decision time and funding time.

comparison.context (was evidence.freshness in the provisional inventory: Lender process used to compare lender types.) · also called online lending workflow, online lending procedure

Traditional Bank Process traditional_bank_process

The steps and timeline the model expects at a traditional bank, such as in-person meetings, more documents and longer approval. It uses this to compare lender types.

What you can do: If you are a bank, state the application steps, documents needed and typical approval time.

comparison.context (was evidence.freshness in the provisional inventory: Lender process used to compare lender types.) · also called banking workflow, banking procedure