Merchant Rating

Just noticed a new feature: Merchant rating. Wondering if anyone knew what it does / what’s the benefit?

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When I think about their automated fraud protection it could be an indicator of how trustworthy a merchant is for the AI.

It may be related to the Perks feature, which I believe is still in its testing phase. When awarded a Perk (every ten transactions) the user can rate it positively or negatively, which in theory will provide for more personalised offers in the future:

Perhaps if you rate merchants on a regular basis, this will assist the Perk algorithm with providing relevant offers.

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Been a year nearly now and perks are still in beta lol