Sesame Credit Score in Alipay Wallet AppAnt Financial, Alibaba’s finance arm, has begun beta-testing the long-awaited Sesame Credit (‘Zhima Xinyong’ in Chinese), the user data-based online credit scoring service. Sesame Credit generates credit scores based on the online behaviour of consumers and small businesses on Alibaba’s Taobao (consumer-to-consumer) and Tmall (business-to-consumer) marketplaces. Alibaba pointed out that Sesame Credit would make credit more widely available to consumers or small business owners who have limited traditional credit history. Some Chinese hotels now allow travellers with superior Sesame Credit scores to stay without paying in advance. Sesame Credit is also conducting a test program with a Chinese online dating service that allows users to check their potential dates’ credit scores.