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He booked doctors’ appointments there, skipping the chaotic lines for which Chinese hospitals are famous.

He added friends in Alipay’s built-in social network.

“Zhima Credit is the embodiment of personal credit,” the text underneath read.

“It uses big data to conduct an objective assessment.

Applicants’ race could be counted against them, as could messiness, poor morals, and “effeminate gestures.” Algorithmic scoring, Fair and Isaac argued, was a more equitable, scientific alternative to this unfair reality.

Alipay and We Chat are less like individual apps than entire ecosystems.

Their chief innovation was using computer­-driven statistical ­analysis to translate people’s personal details and financial history into a simple score, predicting how likely they were to pay back loans.

Before FICO, credit bureaus relied in part on gossip culled from people’s landlords, neighbors, and local grocers.

The higher the score, the better your credit.” Further down was a button that read, in clean white characters, “Start my credit journey.” He tapped.electrical engineer named Bill Fair and a mathematician named Earl Isaac started a small tech company out of a San Francisco apartment.

They named it Fair, Isaac and Co., but the business eventually came to be known, for short, as FICO.

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