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When Liu went on vacation with his fiancée (now his wife) to Thailand, they paid at restaurants and bought trinkets with Alipay.He stored whatever money was left over, which wasn’t much once the vacation and car were paid for, in an Alipay money market account.If he wanted to, he could access Airbnb, Uber, or Uber’s Chinese rival Didi, entirely from inside Alipay.It was as if Amazon had swallowed e Bay, Apple News, Groupon, American Express, Citibank, and You Tube—and could siphon up data from all of them.Its main competitor, We Chat, belongs to the social and gaming giant Tencent.Alipay and We Chat are less like individual apps than entire ecosystems.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.

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

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.

Facebook knows if you like Tasty cooking videos or Breitbart News.

Uber knows where you go and how you behave en route.

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