I understand that but how do I view ratings others have left? It would need the whole mechanism to search for places in advance as well.
Then what if a business owner wants to dispute a rating? How are they moderated, how can a business claim their listing page to respond to people? How as customer will I be verified? The merchant data isn’t the best so I could rate a totally different place to what I’ve visited.
This is probably just the tip of the iceberg too.
I agree it’s a hell of a lot of work that I don’t think a bank should be getting into. It would be nice but there are more we’ll established services out there that have this nailed.