Alipay's Sesame Score, as a comprehensive scoring system based on personal credit, has received widespread attention since its launch. So, what is the use of sesame seeds? What are the benefits of a high score? Let's dive in.
Sesame Score is a personal credit score launched by Ant Credit Management***, a subsidiary of Ant Financial, which is mainly based on multi-dimensional information such as users' transaction data, financial behaviors, and social public records for comprehensive evaluation. The higher the score, the better the personal credit profile, which allows for convenience and benefits in many services and scenarios.
In daily life, users with high sesame scores can feel many advantages. For example, when renting, landlords tend to prioritize tenants with higher sesame scores, as it means they are more trustworthy and less likely to default. In addition, sesame points can also be used as auxiliary materials when applying for visas, and visa centers in some countries accept sesame points as proof of credit for Chinese citizens, which undoubtedly simplifies the application process and increases the success rate of visas.
But there are many netizens who said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people have used the Taurus flower on WeChat *** to replace Huabei to borrow, and the amount given is high and convenient, if there are friends who know or have opened it, leave it for comments, let everyone open it.
In terms of financial services, the role of sesame is more prominent. Many financial institutions, including banks and platforms, use Sesame Points to assess the credit risk of borrowers. A higher sesame score usually means a higher borrowing amount and a lower interest rate. In addition, the credit card approval process will also refer to Sesame Points, making it easier for users with high scores to be approved for high-limit credit cards.
In addition to financial services, Sesame Cent can also bring shopping convenience. On some e-commerce platforms, users can enjoy deposit-free rental services, such as renting electronic products, cars, etc. This not only reduces the financial burden of users, but also shows the positive role of the credit system in promoting consumer trust and convenience.
Sesame also plays an important role in emergency help. For example, when users need temporary loans to deal with emergencies, Gao Sesame can help them quickly obtain financial support for services such as "Borrow" or "Huabei" to solve their urgent needs.
In the field of sharing economy, sesame points also play an important role. Bike-sharing, car-sharing and other services usually require users to provide a certain deposit, while users with high sesame points can enjoy preferential policies of no deposit or less deposit, which not only simplifies the use process, but also reflects the value of credit.
Sesame seeds are also closely related to an individual's social behavior. Good social behaviors such as obeying traffic rules and paying utility bills on time can positively affect sesame points. This positive incentive encourages people to follow the rules and promotes the harmonious development of society.
Sesame points are not only a quantitative expression of personal credit, but also a credit pass that is integrated into all aspects of life. Through big data analysis, it provides convenience for the trustworthy, sets up obstacles for the untrustworthy, and continuously promotes the construction of a credit society. In this credit-based era, maintaining a good sesame score will undoubtedly make our lives smoother and bring more convenience and opportunities.