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Lazarus Liu moved home to China after studying logistics in the United Kingdom for three years, he quickly noticed that something had changed: Everyone paid for everything with their phones.
At Mc Donald’s, the convenience store, even at mom-and-pop restaurants, his friends in Shanghai used mobile payments.
If you live in the United States, you are by now accustomed to relinquishing your data to corporations.
Before FICO, credit bureaus relied in part on gossip culled from people’s landlords, neighbors, and local grocers.
One day a new icon appeared on Liu’s Alipay home screen. The name, like that of Alipay’s parent company, evoked the story of Ali Baba and the 40 thieves, in which the words magically unseal a cave full of treasure.
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