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King also wants to get Movenbank customers involved in early design of products/services so that they “feel more attached to the result.” “If we’re getting push back to a certain strategy — e.g., pricing or fees — how do we respond? “Are we (Movenbank) prepared to engage in a dialog with customers openly and transparently, rather than just pushing our key messages or defending our brand?” Of course, most banks and credit unions aren’t ready to throw away their traditional risk assessment models and rely instead purely on information gleaned from social media sites.“Which customers have influence to drive positive sentiment or create believable influence? For Movenbank, King has engineered what he calls the CRED ecosystem, “a behavioral, social, viral, gamified” platform.

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The alpha release of Movenbank’s site will give customers their first glimpse of the CRED ecosystem, starting with a financial personality profile that users can compare with one another.

Then Movenbank will ramp up CRED for commercial release sometime next year, with broad availability expected in summer 2012.




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