Sesame (“Zhima” in Chinese), the user data-based credit scoring system of Ant Financial (formerly Small and Micro Financial Services Company), Alibaba’s finance arm which runs Alipay, is expected to be launched soon. According to LEERW, the Sesame system will provide user identification and verification, credit scores and reports based on Alipay users’ tracks online. It is believed that the biggest advantage of the Sesame credit scoring system is in the purchase data and user behaviour insights Alibaba has been collecting over the years. One of them enables third parties to access the Sesame system for users’ credit scores or reports, user profiles, and so on. It is expected Ant Financial will charge third parties for accessing the Sesame credit scoring system.