Zhima Credit is an independent third-party credit reporting agency under Ant Financial. It uses cloud computing, machine learning and other technologies to objectively present personal credit status. It has been used in credit cards, consumer finance, financial leasing, hotels, It provides credit services to users and merchants in hundreds of scenarios such as renting a house, traveling, dating, classified information, student services, and public services.

Zhima Credit is a credit system designed based on all aspects of data.

Zhima Credit Score is Zhima Credit’s comprehensive processing and evaluation of massive information data, which mainly includes five dimensions: user credit history, behavioral preferences, contract performance capabilities, identity traits, and personal connections. Sesame Credit is based on Alibaba's e-commerce transaction data and Ant Financial's Internet financial data, and has established data cooperation with public security agencies and partners such as the Public Security Network. Different from traditional credit data, Sesame Credit data covers credit card repayments. payments, online shopping, transfers, financial management, utility and gas payments, rental information, address relocation history, social relationships, etc.