Zhima Credit – Will Alibaba’s social credit system turn China into a “Black Mirror” episode?

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Leveraging machine learning and big data, Alibaba developed the revolutionary consumer finance product Ant CreditPay and Zhima Credit that effectively tapped into the massive lower end consumer market in China. Customers with higher credit scores can have more favorable lending terms and access to better services offline such as not having to pay deposits when renting apartment. But will this turn China into a black mirror episode, where society imposes discrimination based on people's scores?