芝麻信用 | |
| Formation | 2015 |
|---|---|
| Location | |
| Services | Credit scoring |
Parent organization | Alibaba Group |
| Website | www |
Zhima Credit (Chinese: 芝麻信用; pinyin: Zhīma Xìnyòng; also known as Sesame Credit) is a private company-run credit scoring and loyalty program system developed by Ant Group, an affiliate of Alibaba Group. It uses data from Alibaba's services to compile its score. Customers receive a score based on a variety of factors based on social media interactions and purchases carried out on Alibaba Group websites or paid for using its affiliate Ant Financial's Alipay mobile wallet. The rewards of having a high score include easier access to loans from Ant Financial and having a more trustworthy profile on e-commerce sites within the Alibaba Group.[1][2] It has frequently been confused with the Social Credit System.[3]
- ^ "China might use data to create a score for each citizen based on how trustworthy they are". Business Insider. 26 October 2016. Retrieved 15 December 2017.
- ^ "China through a glass, darkly". 24 December 2017.
- ^ Matsakis, Louise (29 July 2019). "How the West Got China's Social Credit System Wrong". WIRED.