= reputation score used to enchance trustworthiness of credit rating, used by Movenbank
"At the heart of Movenbank is a concept call CRED. This takes into account an individual's traditional credit score but also aspects such as their level of community involvement, social reputation and trust weighting. Do they have a good eBay rating? Do they send money peer-to-peer? It also measures their social connectivity -- how many friends do they have on Facebook? Who are they connected to on LinkedIn? Do they have an influential Klout score? It combines this data, not just to assess their risk, but to measure the potential value of the customer. If you refer other customers from your network or pay your bills on time, your CRED score will go up. "It's not about your credit, but your credibility," King says.
A big question mark lies around people's readiness to open up their social data, but King believes consumers are willing to make a trade-off if they know how it is going to be used and what they will gain in return." (http://www.wired.co.uk/magazine/archive/2012/09/features/welcome-to-the-new-reputation-economy?)