Ant 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. It is the first of its kind in China, and few if any other Chinese companies able to collect as much data as Alibaba.

Users can either check their Sesame Scores in the Alipay Wallet mobile app or through merchant websites who accept the service. Scores range from 350 to 950 points, with higher the number the better.

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Tracey Xiang

Tracey Xiang is Beijing, China-based tech writer. Reach her at traceyxiang@gmail.com