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“Zhima Credit is the embodiment of personal credit,” the text underneath read.“It uses big data to conduct an objective assessment.Lazarus Liu moved home to China after studying logistics in the United Kingdom for three years, he quickly noticed that something had changed: Everyone paid for everything with their phones.At Mc Donald’s, the convenience store, even at mom-and-pop restaurants, his friends in Shanghai used mobile payments.

He started making his car insurance payments with the app.If he wanted to, he could access Airbnb, Uber, or Uber’s Chinese rival Didi, entirely from inside Alipay.It was as if Amazon had swallowed e Bay, Apple News, Groupon, American Express, Citibank, and You Tube—and could siphon up data from all of them.Facebook knows if you like Tasty cooking videos or Breitbart News.Uber knows where you go and how you behave en route.

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