This credit is a credit evaluation and authorization function on the Alipay platform.

With this function, even if users do not have a credit card, they can still conduct credit evaluation through Alipay's Sesame Credit authorization function and obtain corresponding credit services. The basis for Zhima Credit authorization includes the user's personal information, Alipay account information, user credit history, etc. This information will be calculated and evaluated through certain algorithms and models to obtain the user's Zhima Credit score, thereby providing users with corresponding credit services. .