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    Whenever Liu opened Alipay on his phone, he saw a neat grid of icons that vaguely resembled the home screen on his Samsung.

    Some of the icons were themselves full-blown third-party apps.

    They named it Fair, Isaac and Co., but the business eventually came to be known, for short, as FICO.He could have paid his electricity, gas, and internet bills in Alipay’s City Service section.Like many young Chinese who had become enamored of the mobile payment services offered by Alipay and We Chat, Liu stopped bringing his wallet when he left the house.But Alipay knows all of these things about its users and more.Owned by Ant Financial, an affiliate of the massive Alibaba corporation, Alipay is sometimes called a super app.

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