{ "model": { "rank": 9175, "code": "thing-q837171", "model_id": "vr.tr.financial-services", "name": "financial services", "purpose": "Let an agent explain financial services as an industry and product category, relay sectors, regulation and trends from economic and regulatory sources, describe the main service types, and distinguish financial services from public funding programmes, from financial instruments and from the finance function inside firms, noting misfiled aliases and giving no personal advice.", "family": "Thing Registry", "category": "Physical world and living systems", "status": "research-draft", "kind": "thing", "plane": "PHY", "domain": "PHY.OBJ", "industry": "", "version": "", "url": "/models/thing/q837171/", "tier": 2, "score": 48, "payload": { "layer": "wikidata", "aliases": [ "redevelopment agency in California", "incentive program of the European Union", "RAPHAEL", "Arion", "pre-accession instrument", "URBAN Community Initiative", "financial and insurance activities", "Earned Wage Access", "housing finance", "financial services in the Netherlands", "Ministry of Finance And Development Planning", "cryptocurrency lending", "investment management", "wealth management", "in-store financial services", "Legal financing industry", "money lending business", "shipbroking", "Malta Stock Exchange", "digital banking", "electronic payment", "banking", "loan servicing", "Italian banking and insurance", "alternative financial service", "banking and insurance in Iran", "financial services in Japan", "Fractional financing", "funding", "banking services", "EarnIn", "DailyPay", "PayActiv", "capital management", "portfolio management", "Lansdowne Partners", "discretionary investment management", "asset allocation", "active management", "quantitative investing" ], "aliasCount": 103, "merged": 104, "knownIn": 48, "facets": null, "markers": [], "lexicalClass": "", "senseRank": null, "alsoRegisteredAs": null, "source": { "dataset": "wikidata", "item": "Q837171", "url": "https://www.wikidata.org/wiki/Q837171", "license": "CC0 1.0" } }, "research": { "vercy": "1.0-draft", "publication": { "status": "research-draft", "adjudicationStatus": "unreviewed", "publishableCanonical": false, "generatedAt": "2026-09-13T15:04:03Z", "providers": [ "Claude" ], "breadth": "written by Claude from model knowledge without web access - no source was read, every claim is a lead to verify", "pass": 2, "wave": 4, "engine": "claude" }, "metaModel": { "id": "THING-Q837171", "registryId": "vr.tr.financial-services", "name": "financial services", "version": "0.2.0-wave.4", "entryKind": "thing", "family": "Thing Registry", "domain": [ "PHY.OBJ" ], "status": "research-draft" }, "canonicalUrl": "https://ver.cy/models/thing/q837171/", "model": { "registry_id": "vr.tr.financial-services", "name": "financial services", "purpose": "Let an agent explain financial services as an industry and product category, relay sectors, regulation and trends from economic and regulatory sources, describe the main service types, and distinguish financial services from public funding programmes, from financial instruments and from the finance function inside firms, noting misfiled aliases and giving no personal advice.", "definition": "The economic services provided by the finance industry, including banking, lending, payments, insurance, investment management, securities trading and financial advice, delivered by banks, insurers, asset managers, fintech firms and others to households, businesses and governments; the registry aliases attached to this entry, such as redevelopment agency in California, EU incentive programmes, RAPHAEL, URBAN, pre-accession instrument and Arion, are public programmes or bodies and appear misfiled. The model gives general information, not personal financial advice.", "what_it_is_for": "Managing money, risk and capital for clients.", "affordances": [ "explain the industry", "relay sectors and regulation", "describe service types", "distinguish related concepts" ], "distinguishing_features": [ "Intermediation", "Regulated", "Many sectors", "Consumer and wholesale" ], "appearance": "Not a visible object; services such as accounts, loans and policies.", "visual_identification": [ "Services of the finance industry", "Banking, insurance, investment, payments, advice", "Public programmes such as URBAN and RAPHAEL fund projects; instruments are contracts; corporate finance is internal" ], "physical_properties": [ { "quantity": "share of world GDP", "typical_range": "about 20-25 percent incl. real estate", "unit": "note", "note": "estimates vary" }, { "quantity": "largest sectors", "typical_range": "banking, insurance, asset management", "unit": "list", "note": "" }, { "quantity": "registry aliases", "typical_range": "public programmes, misfiled", "unit": "note", "note": "" } ], "families_and_kinds": [ "retail and commercial banking", "insurance and pensions", "investment banking and securities", "asset and wealth management", "payments and fintech", "financial advice and planning" ], "related_models": [ { "relation": "is a kind of", "target": "business service", "why": "in registry terms" }, { "relation": "is a kind of", "target": "product", "why": "in registry terms" }, { "relation": "is provided by", "target": "financial institution", "why": "such as banks and insurers" }, { "relation": "is regulated by", "target": "financial regulator", "why": "in each jurisdiction" } ], "identifiers": [], "standards_and_regulation": [ "Banking, insurance and securities laws", "Basel and Solvency frameworks", "Consumer protection and anti-money-laundering rules" ], "failure_modes_and_hazards": [ "Agents giving personal financial advice", "Registry aliases misfiled as public programmes", "Systemic risk and mis-selling" ], "in_scope": [], "out_of_scope": [], "characteristics": [] }, "sources": [], "structure": { "bundles": [ { "id": "understand", "name": "Understand", "description": "What financial services are.", "rationale": "Definition.", "layers": [ { "id": "definition", "name": "Definition", "description": "Definition.", "findings": [ { "id": "definition-finding", "name": "Definition", "description": "Definition.", "questions": [ { "text": "What are financial services, and how do they differ from public funding programmes, financial instruments and corporate finance?", "kind": "definition" }, { "text": "Is the question about the industry, a sector, regulation, a misfiled alias or personal advice, which the model does not give?", "kind": "boundary" } ] } ] }, { "id": "sectors", "name": "Sectors", "description": "Sectors.", "findings": [ { "id": "sectors-finding", "name": "Sectors", "description": "Sectors.", "questions": [ { "text": "What are banking, insurance, investment, asset management, payments and advice?", "kind": "definition" }, { "text": "Which entry fits the specific sector?", "kind": "action" } ] } ] } ] }, { "id": "economy", "name": "Economy", "description": "Economy.", "rationale": "Attribution.", "layers": [ { "id": "role", "name": "Role", "description": "Role.", "findings": [ { "id": "role-finding", "name": "Role", "description": "Role.", "questions": [ { "text": "What role do financial services play in the economy, as economists describe?", "kind": "provenance" }, { "text": "Which references are standard?", "kind": "provenance" } ] } ] }, { "id": "trends", "name": "Trends", "description": "Trends.", "findings": [ { "id": "trends-finding", "name": "Trends", "description": "Trends.", "questions": [ { "text": "How are fintech, digital payments and sustainable finance changing the industry?", "kind": "provenance" }, { "text": "Which sources are cited?", "kind": "provenance" } ] } ] } ] }, { "id": "regulation", "name": "Regulation", "description": "Regulation.", "rationale": "Regulation.", "layers": [ { "id": "frameworks", "name": "Frameworks", "description": "Frameworks.", "findings": [ { "id": "frameworks-finding", "name": "Frameworks", "description": "Frameworks.", "questions": [ { "text": "How are financial services regulated nationally and internationally?", "kind": "provenance" }, { "text": "Which entry fits financial regulation?", "kind": "action" } ] } ] }, { "id": "consumers", "name": "Consumers", "description": "Consumer protection.", "findings": [ { "id": "consumers-finding", "name": "Consumers", "description": "Consumers.", "questions": [ { "text": "What protections exist for consumers, and where can people get regulated advice?", "kind": "provenance" }, { "text": "Which entry fits consumer protection?", "kind": "action" } ] } ] } ] }, { "id": "context", "name": "Context", "description": "History and registry note.", "rationale": "Context.", "layers": [ { "id": "history", "name": "History", "description": "History.", "findings": [ { "id": "history-finding", "name": "History", "description": "History.", "questions": [ { "text": "How did financial services develop from early banking to global markets?", "kind": "provenance" }, { "text": "Which entry fits the history of banking?", "kind": "action" } ] } ] }, { "id": "aliases", "name": "Aliases", "description": "Misfiled aliases.", "findings": [ { "id": "aliases-finding", "name": "Aliases", "description": "Aliases.", "questions": [ { "text": "Why are URBAN, RAPHAEL, the pre-accession instrument, California redevelopment agencies and Arion not financial services?", "kind": "provenance" }, { "text": "Which entry fits each programme or body?", "kind": "action" } ] } ] } ] } ] }, "openQuestions": [ "Should banking, insurance and asset management be linked as primary entries?", "How should regulatory sources be linked?", "The registry aliases naming EU programmes, a California agency and Arion are not financial services and should be detached" ], "statistics": { "bundles": 4, "layers": 8, "findings": 8, "questions": 16 } }, "draft": { "generator": "vr.draft.v3", "status": "draft-generated", "researched": false, "archetype": "device, machine or tool", "method": "Written from the archetype playbook - what this kind of thing needs beyond identity and provenance - and from the structure that recurred across 6,333 models already researched by two engines. Applied to this entry by rule. No source was read for this thing and no claim here is researched. This entry carries no facets of its own, so they were inferred from its domain - a guess about a whole domain applied to one thing.", "facetsInferred": true, "nextPass": "A researcher replaces this draft with a sourced specification. Treat every sentence below as a proposal to argue with.", "purpose": "Give an agent a durable, checkable way to recognise a financial services, record what state it is in, and decide what may be done with it.", "whatItIs": "Let an agent explain financial services as an industry and product category, relay sectors, regulation and trends from economic and regulatory sources, describe the main service types, and distinguish financial services from public funding programmes, from financial instruments and from the finance function inside firms, noting misfiled aliases and giving no personal advice.", "characteristics": { "substance": "material", "origin": "manufactured", "agency": "inert", "mobility": "varies" }, "whatYouCanDoWithIt": [ "observed and measured" ], "distinguishingFeatures": [ "Names folded into this entry, which a task may need to split apart again: redevelopment agency in California, incentive program of the European Union, RAPHAEL, Arion, pre-accession instrument, URBAN Community Initiative, financial and insurance activities, Earned Wage Access, housing finance, financial services in the Netherlands, Ministry of Finance And Development Planning, cryptocurrency lending.", "104 finer distinctions are held as aliases rather than separate entries, because telling them apart needs a task that asks for it.", "Described in 48 Wikipedia languages, which is a measure of how widely the thing is known, not of how important it is." ], "openQuestionsForResearch": [ "Which of the bundles below does a real task actually need, and which are ceremony?", "What does this thing have that the facets do not capture at all?", "Which neighbouring kind is most often confused with a financial services, and on what evidence are they told apart?" ], "whatItIsMadeOf": "matter you can touch", "physicalCharacter": [ "Mobility varies between examples.", "Does nothing on its own; everything it does, something else did to it.", "These come from the domain this entry sits in rather than from the entry itself, so treat them as a first guess about the whole domain applied to one thing." ], "whatCanBeDoneWithIt": [ "observe it, measure it, record its state" ], "howItIsRecognised": [ "Recognised by form, by the arrangement of its controls, and by markings - a plate, a model number, a certification mark. Form alone rarely separates two models that do very different things." ], "relatedModels": [ { "relation": "covers", "note": "Finer kinds folded into this entry because telling them apart needs a task that asks for it. Each is a model waiting to be split out when one does.", "targets": [ "redevelopment agency in California", "incentive program of the European Union", "RAPHAEL", "Arion", "pre-accession instrument", "URBAN Community Initiative", "financial and insurance activities", "Earned Wage Access", "housing finance", "financial services in the Netherlands", "Ministry of Finance And Development Planning", "cryptocurrency lending" ] } ], "standing": "Described in 48 Wikipedia languages, which measures how widely it is written about rather than how important or how common it is. 104 finer distinctions are held inside this entry as names rather than as separate models.", "structure": { "bundles": [ { "id": "identity-and-classification", "name": "Identity, naming and classification", "description": "How an agent tells one financial services from another, and a financial services from things that resemble it.", "rationale": "Recognition comes before every other claim. Without stable identity nothing else in the model can be trusted to be about the same thing twice.", "layers": [ { "id": "naming-and-identifiers", "name": "Names and identifiers", "description": "The names this thing goes by and the identifiers that survive translation and time.", "findings": [ { "id": "preferred-name-and-aliases", "name": "Preferred name, aliases and local names", "description": "Which name to use, which names mean the same thing, and which merely sound similar.", "questions": [ { "id": "preferred-name-and-aliases-q01", "text": "What identifies and describes the name of a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "preferred-name-and-aliases-q02", "text": "Who or what asserted this about the name of a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "preferred-name-and-aliases-q03", "text": "What may an agent decide or do once the name of a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] }, { "id": "stable-identifiers", "name": "Stable identifiers and external keys", "description": "Identifiers that keep pointing at this kind of thing across systems and languages.", "questions": [ { "id": "stable-identifiers-q01", "text": "What identifies and describes an identifier for a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "stable-identifiers-q02", "text": "Who or what asserted this about an identifier for a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "stable-identifiers-q03", "text": "What may an agent decide or do once an identifier for a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "classification-and-granularity", "name": "Classification and granularity", "description": "Where a financial services sits among kinds, and how finely a task needs to cut it.", "findings": [ { "id": "kind-and-parents", "name": "Kind, parents and neighbouring kinds", "description": "The classes this thing belongs to and the ones it is next to.", "questions": [ { "id": "kind-and-parents-q01", "text": "What identifies and describes the kind of a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "kind-and-parents-q02", "text": "Who or what asserted this about the kind of a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "kind-and-parents-q03", "text": "What may an agent decide or do once the kind of a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] }, { "id": "distinguishing-features", "name": "Distinguishing features", "description": "What separates a financial services from the things most often confused with it.", "questions": [ { "id": "distinguishing-features-q01", "text": "What identifies and describes what distinguishes a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "distinguishing-features-q02", "text": "Who or what asserted this about what distinguishes a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "distinguishing-features-q03", "text": "What may an agent decide or do once what distinguishes a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] } ] }, { "id": "form-and-composition", "name": "Form, composition and condition", "description": "What a financial services is made of, what shape and size it takes, and what state it is in.", "rationale": "A physical thing can be measured, and a model that cannot record its measurements cannot support any decision that depends on them.", "layers": [ { "id": "form-and-dimensions", "name": "Form and dimensions", "description": "Shape, size, mass and the ranges these take across examples.", "findings": [ { "id": "measurable-dimensions", "name": "Measurable dimensions and their units", "description": "The quantities worth recording and the units they are recorded in.", "questions": [ { "id": "measurable-dimensions-q01", "text": "What identifies and describes the dimensions of a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "measurable-dimensions-q02", "text": "Who or what asserted this about the dimensions of a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "measurable-dimensions-q03", "text": "What may an agent decide or do once the dimensions of a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "material-and-composition", "name": "Material and composition", "description": "Materials, parts and how they are put together.", "findings": [ { "id": "parts-and-materials", "name": "Parts and materials", "description": "What a financial services is built from and which parts are replaceable.", "questions": [ { "id": "parts-and-materials-q01", "text": "What identifies and describes the composition of a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "parts-and-materials-q02", "text": "Who or what asserted this about the composition of a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "parts-and-materials-q03", "text": "What may an agent decide or do once the composition of a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "condition-and-integrity", "name": "Condition and integrity", "description": "Wear, damage, health and the difference between working and broken.", "findings": [ { "id": "condition-assessment", "name": "Condition, damage and health", "description": "How the condition of a financial services is judged and by whom.", "questions": [ { "id": "condition-assessment-q01", "text": "What identifies and describes the condition of a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "condition-assessment-q02", "text": "Who or what asserted this about the condition of a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "condition-assessment-q03", "text": "What may an agent decide or do once the condition of a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] } ] }, { "id": "place-and-movement", "name": "Place and movement", "description": "Where a financial services is, how it got there and where it may go (varies).", "rationale": "A thing that can move needs its position recorded with a time, or every later claim about it is about a place it has left.", "layers": [ { "id": "location-and-placement", "name": "Location and placement", "description": "Position, containment and the reference frame the position is given in.", "findings": [ { "id": "position-and-frame", "name": "Position, container and reference frame", "description": "Where a financial services is, and what that position is measured against.", "questions": [ { "id": "position-and-frame-q01", "text": "What identifies and describes the location of a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "position-and-frame-q02", "text": "Who or what asserted this about the location of a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "position-and-frame-q03", "text": "What may an agent decide or do once the location of a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "movement-and-transfer", "name": "Movement and transfer", "description": "How a financial services is carried, installed or relocated.", "findings": [ { "id": "movement-events", "name": "Movement events and constraints", "description": "What counts as a movement, what records it and what limits it.", "questions": [ { "id": "movement-events-q01", "text": "What identifies and describes the movement of a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "movement-events-q02", "text": "Who or what asserted this about the movement of a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "movement-events-q03", "text": "What may an agent decide or do once the movement of a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] } ] }, { "id": "state-and-lifecycle", "name": "State and lifecycle", "description": "The states a financial services passes through and the events that move it between them.", "rationale": "Most decisions about a thing depend on what state it is in now, which is a claim with a time on it, not a property.", "layers": [ { "id": "lifecycle-stages", "name": "Lifecycle stages", "description": "From coming into existence to ceasing to be one of these.", "findings": [ { "id": "stages-and-transitions", "name": "Stages and transitions", "description": "The stages worth naming and what moves a financial services between them.", "questions": [ { "id": "stages-and-transitions-q01", "text": "What identifies and describes the lifecycle of a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "stages-and-transitions-q02", "text": "Who or what asserted this about the lifecycle of a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "stages-and-transitions-q03", "text": "What may an agent decide or do once the lifecycle of a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "observations-and-status", "name": "Observations and current status", "description": "What is observed about a financial services, how often and by whom.", "findings": [ { "id": "observation-record", "name": "Observation record", "description": "How an observation of a financial services is recorded so that it can be superseded rather than overwritten.", "questions": [ { "id": "observation-record-q01", "text": "What identifies and describes an observation of a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "observation-record-q02", "text": "Who or what asserted this about an observation of a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "observation-record-q03", "text": "What may an agent decide or do once an observation of a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] } ] }, { "id": "function-and-principle", "name": "Function and operating principle", "description": "What financial services is for and how it achieves it.", "rationale": "Two devices with the same name can work on different principles, and the principle is what predicts failure and constrains use.", "layers": [ { "id": "intended-function", "name": "Intended function", "description": "The job it does, and the jobs it is used for anyway.", "findings": [ { "id": "function-record", "name": "Function, principle and variants", "description": "What it does, how, and which variants do it differently.", "questions": [ { "id": "function-record-q01", "text": "What function does financial services perform, on what operating principle, and which variants differ in that principle?", "kind": "definition" }, { "id": "function-record-q02", "text": "What use falls outside the intended function but happens in practice?", "kind": "boundary" } ] } ] }, { "id": "capacity-and-rating", "name": "Capacity and rating", "description": "The numbers that say what it can do and where it stops.", "findings": [ { "id": "ratings", "name": "Ratings and their conditions", "description": "Rated capacity, power, throughput and the conditions each assumes.", "questions": [ { "id": "ratings-q01", "text": "What ratings characterise financial services, in what units, and under what stated conditions?", "kind": "measurement" }, { "id": "ratings-q02", "text": "What happens beyond the rating - degradation, refusal, damage - and how is that detected?", "kind": "action" } ] } ] } ] }, { "id": "operation-and-state", "name": "Operation, controls and state", "description": "How financial services is operated and what state it is in right now.", "rationale": "An agent acting on a device needs its current state and the controls that change it, not just its specification.", "layers": [ { "id": "controls-and-modes", "name": "Controls and modes", "description": "What can be set, what that changes, and what is interlocked.", "findings": [ { "id": "control-surface", "name": "Control surface and interlocks", "description": "The settings available and the conditions that block them.", "questions": [ { "id": "control-surface-q01", "text": "What controls and modes does financial services have, and what does each change?", "kind": "definition" }, { "id": "control-surface-q02", "text": "Which actions are interlocked or forbidden in which state, and what must be true before acting?", "kind": "action" } ] } ] }, { "id": "condition-and-maintenance", "name": "Condition and maintenance", "description": "Wear, service intervals, consumables and the line between working and broken.", "findings": [ { "id": "service-record", "name": "Condition, service and consumables", "description": "What is consumed, what is serviced, and how condition is judged.", "questions": [ { "id": "service-record-q01", "text": "What consumables and service does financial services need, at what interval, and on whose authority?", "kind": "measurement" }, { "id": "service-record-q02", "text": "What evidence separates a unit that is working from one that is out of service?", "kind": "boundary" } ] } ] } ] }, { "id": "kind-model-unit", "name": "Kind, model and unit", "description": "Whether a claim about financial services is about the kind, a product line, or one physical unit.", "rationale": "This is the boundary most often got wrong for made things, and getting it wrong mixes a catalogue entry with the machine in the yard.", "layers": [ { "id": "level-of-reference", "name": "Level of reference", "description": "The three levels and what belongs at each.", "findings": [ { "id": "level-rules", "name": "What belongs to kind, model and unit", "description": "Which properties are shared by all of them and which are not.", "questions": [ { "id": "level-rules-q01", "text": "Which facts about financial services hold for every one of them, which for a model, and which only for one unit?", "kind": "boundary" }, { "id": "level-rules-q02", "text": "What identifies an individual unit, and what should an agent do when it has only the kind?", "kind": "action" } ] } ] }, { "id": "standards-and-conformity", "name": "Standards and conformity", "description": "The standards a working example must meet and who attests it.", "findings": [ { "id": "conformity", "name": "Standards, marks and attestation", "description": "Which standard applies, who certifies, and what the mark means.", "questions": [ { "id": "conformity-q01", "text": "Which standards govern financial services, issued by whom, and what does conformity actually assert?", "kind": "provenance" }, { "id": "conformity-q02", "text": "What may an agent conclude from a certification mark, and what may it not?", "kind": "boundary" } ] } ] } ] }, { "id": "provenance-and-evidence", "name": "Provenance, evidence and time", "description": "Where every claim about a financial services came from and when it held.", "rationale": "A claim without a source and a time cannot be superseded, only overwritten, and an agent that overwrites loses the ability to explain itself.", "layers": [ { "id": "source-and-authority", "name": "Source and authority", "description": "Who said it, on what evidence, and how strongly.", "findings": [ { "id": "claim-provenance", "name": "Claim provenance and confidence", "description": "The authority behind each claim about a financial services and how confident it is.", "questions": [ { "id": "claim-provenance-q01", "text": "What identifies and describes a claim about a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "claim-provenance-q02", "text": "Who or what asserted this about a claim about a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "claim-provenance-q03", "text": "What may an agent decide or do once a claim about a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] }, { "id": "time-and-versions", "name": "Time, versions and supersession", "description": "When a claim was true, when it was learnt, and what replaced it.", "findings": [ { "id": "validity-and-supersession", "name": "Validity period and supersession", "description": "How an old claim about a financial services is retired without being erased.", "questions": [ { "id": "validity-and-supersession-q01", "text": "What identifies and describes the validity of a claim about a financial services, and in what units or vocabulary?", "kind": "definition", "answer_data": [ "identifiers", "types and classes", "values with units", "explicit unknowns" ] }, { "id": "validity-and-supersession-q02", "text": "Who or what asserted this about the validity of a claim about a financial services, by which method, and when was it true?", "kind": "provenance", "answer_data": [ "authority", "method", "evidence", "event time", "knowledge time" ] }, { "id": "validity-and-supersession-q03", "text": "What may an agent decide or do once the validity of a claim about a financial services is known, and what must it refuse?", "kind": "action", "answer_data": [ "permitted actions", "preconditions", "refusals", "escalation" ] } ] } ] } ] } ] }, "statistics": { "bundles": 8, "layers": 17, "findings": 19, "questions": 51 } } } }