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National Trust Benchmark

Consumer-Business Trust Index

Measuring Trust in the Marketplace.

The CBTI is the national benchmark for marketplace trust — composite of transparency, responsiveness, fairness, reliability, ethics, sentiment and reputation stability, derived from aggregated, anonymized signal.

National CBTI · Today
69
/ 100
Moderate Trust
CrisisLowWeakModerateHealthyStrongExceptional

Higher = stronger consumer trust. Aggregated across all sectors and regions.

Trust Profile
Seven dimensions, 0–100 (higher = stronger)
Illustrative
Core Dimensions

Seven dimensions of marketplace trust

Each dimension scored 0–100 and weighted into the national CBTI.

TIModerate Trust
Transparency
64
weight 20%

Pricing transparency, disclosure quality, contract clarity, advertising honesty.

  • Improved telco bundle disclosures
  • Hidden FX margins persist
RIHealthy Trust
Responsiveness
71
weight 15%

Business response rate, acknowledgement, speed and communication quality.

  • Avg. first-response 18h ↓
  • Insurance lags retail
RCIModerate Trust
Resolution Confidence
68
weight 15%

Resolution success, outcome fairness, post-resolution satisfaction.

  • Banking resolutions trusted
  • Fintech outcomes contested
RLIHealthy Trust
Reliability
73
weight 15%

Service consistency, product reliability, delivery, contract performance.

  • Power reliability up
  • E-commerce delivery slips
ECIModerate Trust
Ethical Conduct
66
weight 15%

Marketing honesty, exploitation indicators, fair treatment, compliance.

  • Loan-app conduct flagged
  • Retail compliance steady
CSIHealthy Trust
Consumer Sentiment
70
weight 10%

Confidence surveys, sentiment analysis, perception trends.

  • Urban sentiment improving
  • Rural sentiment soft
RSIHealthy Trust
Reputation Stability
75
weight 10%

Trust volatility, brand resilience, complaint trend stability.

  • Banking stable
  • Crypto highly volatile
Weight Configuration
Recalibrate dimension weights — model adjusts in real time.
Σ weights = 100%
Trend Analysis

Trust trajectory

National CBTI over the past eight months — steady growth driven by improved resolution speed.

Sector Benchmarking

Industry trust rankings

Sector trust scores with 30-day movement. Focus on trends, not individual business shaming.

Sectors · CBTI ranking
Most Improved (30d)
Banking
76+2.1
Utilities
72+1.4
Hospitality
78+1.2
Agriculture
71+0.9
Retail
73+0.8
Insurance
64+0.6
Consumer Goods
69+0.6
Education
74+0.5
Geographic Analysis

Trust by region

Aggregated regional CBTI with 30-day movement.

Greater Accra
71+1.2
Ashanti
68+0.4
Western
65-0.8
Eastern
64+0.2
Central
62-0.3
Volta
67+1.6
Northern
58-1.1
Upper East
60+0.5
Upper West
61+0.7
Bono
66+0.9
AI Trust Intelligence

Plain-language narratives

GCIN models translate trust signal shifts into human-readable explanations for media, executives and regulators.

Banking trust rose 2.1 pts on faster complaint resolution and clearer fee disclosures.

E-commerce trust dropped 2.3 pts driven by recurring delivery and refund reliability concerns.

Fintech reputation volatile — sentiment swings of ±5 pts month-on-month suggest fragile confidence.

Hospitality leads sector trust at 78 — consistent service quality and responsiveness ratings.

Data Governance

CBTI outputs are aggregated and anonymized. Individual complaints are never exposed. Sector rankings publish only when sample-size thresholds and privacy standards are met — we report trends, never accusations against specific businesses.

Pilot data · illustrative