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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.

He realized that he could pay for parking through Alipay’s My Car feature, so he added his driver’s license and license plate numbers, as well as the engine number of his Audi.

He started making his car insurance payments with the app.

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.