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free chat website that lets you connect with people quickly and easily.Featuring mobile chat rooms as well, helps you find and connect with single women and men throughout the globe.Facebook knows if you like Tasty cooking videos or Breitbart News.Uber knows where you go and how you behave en route.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.Whenever Liu opened Alipay on his phone, he saw a neat grid of icons that vaguely resembled the home screen on his Samsung.

Alipay and We Chat are less like individual apps than entire ecosystems.

Cash, Liu could see, had been largely replaced by two smartphone apps: Alipay and We Chat Pay.

One day, at a vegetable market, he watched a woman his mother’s age pull out her phone to pay for her groceries. To get an Alipay ID, Liu had to enter his cell phone number and scan his national ID card. Alipay had built a reputation for reliability, and compared to going to a bank managed with slothlike indifference and zero attention to customer service, signing up for Alipay was almost fun. Alipay’s slogan summed up the experience: “Trust makes it simple.”Alipay turned out to be so convenient that Liu began using it multiple times a day, starting first thing in the morning, when he ordered breakfast through a food delivery app.

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.

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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.

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