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Insights into Sesame Credit & Top 5 Ways to Use a High Sesame Score

These are the top ways in which netizens’ high Sesame Credit scores can be used in daily life.

Manya Koetse

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There’s been much talk about China’s ‘credit score’ recently, with many media conflating the country’s Social Credit System with the commercial Sesame Credit programme. In this article, we will explain the latter: what is Sesame Credit and what can users do with their high score?

Note: for more about the Social Credit System and differences in its media coverage in China and the West, please see this article.

With all the talks about China’s nascent Social Credit system and commercial social credit programmes, it is becoming clear that Chinese netizens are entering a ‘credit lifestyle’ (信用生活).

“All Chinese citizens now have a score,” is an idea that has popped up in many foreign media over the past years, often conflating it with China’s nascent ‘Social Credit System.’ To read more about the Social Credit System see our articles about this here or here. In this article, we will solely focus on Sesame Credit.

On Weibo, the official Sesame Credit account (@芝麻信用), which has over 240,840 followers, often announces new ways for people to profit from their (high) Sesame Credit score.

What’s on Weibo explores and lists five different ways in which a high Sesame Credit score can be used in China today. But first – what actually is Sesame Credit?

 

About Sesame Credit

 

Sesame Credit (Zhīma xìnyòng 芝麻信用) was launched on January 28, 2015, by Alibaba’s Ant Financial, after it had received permission by the PBOC (People’s Bank of China) to be one of the eight Chinese companies to experiment with personal credit reporting.

According to the Sesame Credit company, its major goal is to make credit more widely available to consumers and small business owners, and to “enable credit providers to make holistic and accurate decisions,” while also “empowering merchants to provide more credit-related services.”

Image via http://www.twoeggz.com.

Because Sesame Credit is part of Jack Ma’s Alibaba Group family (Ant Financial is an affiliate of the Chinese Alibaba Group), Sesame Credit has an enormous amount of data at its disposal, from e-commerce sites to finance products. China’s biggest shopping websites Taobao and Tmall belong to Alibaba’s vast online ecosystem, as does payment app Alipay.

It is not mandatory for users to opt into Sesame Credit. Some have compared the system to a loyalty program, although it is a bit more than that. Since 2015, for example, Sesame Credit also cooperates with the popular online dating service company Baihe.com (百合网), so that people can link their dating profile to their credit score. Sesame Credit already had 520 million users as of 2017.

Since its launch, various foreign media have written about Sesame Credit as an ‘Orwellian system.’ Among others, one of the reasons for this, is that Sesame Credit incorporates a publicly available ‘blacklist’ into its scoring process. The ‘blacklist’ is a Chinese courts’ list with the names of people that have an effective court justice against them; inclusion on this list can make users’ existing Sesame Credit drop dramatically, which would make people miss out on all perks of having a high Sesame Score.

Earlier in 2018, Alibaba, along with the seven other private credit programmes that were allowed to run their trial in 2015, become shareholders and active contributors to a new unified platform that has access to an enormous number of personal credit data. At the so-called ‘trust alliance’ (信联) Baihang Credit (百行征信), state level and commercial organizations join forces in further developing China’s credit systems.

 

About the Score

 

Within the Sesame Credit programme, the lowest score one can get is 350. The highest is 950. This score is based on users’ behavior across various platforms. A score of 550 to 600 is an intermediate/normal score. 600-650 is considered a ‘good’ score. Those in the 700-950 range are exceptionally high in score.

For those who first opt-in to Sesame Credit, and who have not had any violations, 600 is usually the score to receive.

Sesame Credit example scores explained, from 385 being in the low range to 731 being in the ‘good’ range.

Some of the important elements the score is allegedly based on, are –

• (35%) general credit history: past payment history and indebtedness – if persons still have enough credit on their credit card when purchasing items, if they pay their gas & electricity on time [often done through Alipay in China], pay violations tickets on time, etc.
• (25%) general financial status/fulfillment capacity: the available amount on users’ Alipay account, if they are renting a car/house etc. and are able to pay for it, status of Huabei (a credit card function within the Alipay wallet), etc.
• (20%) online behavior and preference: the extent to which an account is actively used, how many purchases are done, etc.
• (15%) people’s personal characteristics: educational background, address, real-name registrations, etc.
• (5%) contact network and interpersonal relationships: how many online contacts one has, ones’s influential power in contact list, interactions between user and friends, etc.

For those who opt in to Sesame Credit and have a high score, there are many different ways to benefit from it, as listed below.

 

The Top Ways to Benefit from Sesame Credit

 

Please note that there are more ways to benefit from a high Sesame Credit score, but we have listed five popular ones below.

 

#1 ‘Credit Treatment’ at Hospitals

 

In November of 2017, Sesame Credit first launched its “Credit Medical Treatment” (信用就医) services for people with a score over 650, with Shanghai’s Huashan hospital being the country’s first hospital to implement the function.

With “Credit Medical Treatment,” patients could save up to 60% of waiting time at hospitals by cutting lines and not needing to pay for treatments upfront. Payments are done through Sesame Credit’s in-app credit function Huabei (花呗).

While a normal procedure at Chinese hospitals can be time-consuming, the Sesame Credit procedure is much more efficient, mainly because people do not need to line up to pre-pay for their medical check-up and the medications.

Normal procedure:

(±20 min) 1. Arrive and register at the hospital and pay for it
(±60 min) 2. Waiting time to see a doctor
(±10 min) 3. Doctor’s appointment/consultation
(±20 min) 4. Line up for payment [of examination]
(±20 min) 5. Check-up/Examination
(±20 min) 6. Queue up for payment
(±10 min) 7. Pick up medicine

Image via xinhuanet.

The procedure with Sesame Credit:

(±3 min) 1. Register at hospital and payment by phone.
(±10 min) 2. Automatically get a number to see the doctor.
(±10 min) 3. Doctor’s consultation.
Payment [for examination]
(±20 min) 4. Examination.
Payment [for medicine]
(±10 min) 5. Pick up medicine

There are also other ways in which people with a good Sesame Credit score can enjoy extra services and benefits at hospitals. Those with a score over 600, for example, can rent a wheelchair in hospitals without deposit.

 

#2 Try First, Pay Later

 

Since September 2018, Sesame Credit offers the possibility to “try out” purchases from Tmall for consumers who have a Credit Score of over 700, promoting the idea of “never regretting a purchase.”

With this concept, people can order clothes or other items from e-commerce platform Tmall (天猫 Tiānmāo in Chinese) without any risk, having the guarantee to always being able to send back items that are unsatisfactory without paying for them.

There are also frequent promotions done by brands and companies in collaboration with Sesame Credit, such as offering people with a high credit score (over 750) to try out the newest Ford for three days, or to use the latest Meitu phone for 30 days for free, without necessarily needing to buy it afterward.

Meitu promotion for Sesame Credit users with a score over 750.

Sesame Credit also makes it more tempting for its users to spend money on (Alibaba) platforms in other ways. The higher one’s credit is, the more one is able to lend from online lending service Huabei; those with a credit higher than 750 can lend up to 20,000 RMB (±$2890). Unsurprisingly, the literal translation of Alipay’s ‘online credit card’ service Huabei (花呗) is “Just Spend.”

 

#3 No Deposit on Shared Bikes (and other things)

 

Sesame Credit has a partnership with bike sharing platforms Hello Bike (哈罗单车) and Ofo, allowing users with a credit over 650 points to rent these bicycles, that can be found anywhere in bigger cities in China, without paying a deposit.

It is not the only service that does not require a deposit for those with a high Credit score; using a shared umbrella, or a publicly available shared phone charger, or even renting apartments, often no longer needs a deposit for those with a higher score.

 

#4 Open Access to Libraries

 

In many places in China, people who have a Sesame Credit score over 550 no longer need to pay a downpayment and can set up a library card for free, in other places people with a higher Sesame score no longer need a library card at all to borrow books at their local libraries and/or their automated self-service street libraries (just their ID).

Since April of 2018, this special service for Sesame Credit users (not needing a card) was introduced in the entire Zhejiang province. Public libraries in other places, such as Shanghai, have already been experimenting with Sesame Credit perks for library lovers since 2015.

 

#5 Special Lounges at Train Stations

 

Especially during peak seasons such as the National Day holidays or Spring Festival, China’s train stations can get exceptionally busy. For Sesame Credit members with a score over 650, there are now special lounges to relax.

Sina notes that the lounge is only available to those members who have also bought a higher fair ticket (first class), or who have a platinum status.

By Manya Koetse

Spotted a mistake or want to add something? Please let us know in comments below or email us.

©2018 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com

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Manya Koetse is the editor-in-chief of www.whatsonweibo.com. She is a writer and consultant (Sinologist, MPhil) on social trends in China, with a focus on social media and digital developments, popular culture, and gender issues. Contact at manya@whatsonweibo.com, or follow on Twitter.

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China Digital

Waves of Support for Huawei on Chinese Social Media following US Blacklisting

“My next phone will definitely be a Huawei.”

Manya Koetse

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The US blacklisting of Huawei has left many Huawei owners across the world shocked and wondering if they will need to stop using their phone. In China, however, social media users are seemingly less worried, cheering on Huawei as China’s ‘national pride.’

Huawei smartphone users will allegedly receive no future updates from Android now that Google has suspended Huawei’s access to its mobile Operating System, following orders issued by the US Trump administration, Reuters reported on Sunday.

The Chinese telecom giant was added to a trade blacklist earlier last week,as the China-US trade war reached another tipping point.

Huawei has been using Google’s operating system for over a decade. Huawei debuted its first Android smartphone in February of 2009.

Besides being cut off from the world’s best-selling operating system, some of the world’s leading chip designers and suppliers are also ceasing their dealings with Huawei until further notice.

The news left many Huawei users outside of China worried and panicked. On Twitter, Huawei users have been asking what to do with their new Huawei device, with some saying they want to switch brands as soon as possible.

On Chinese social media, however, many people discussing this news are vowing not to abandon Huawei in light of the recent developments. “I’ve always used Huawei, and will never change,” some said, with others even commenting: “I’m preparing to switch to a Huawei phone, I hope they can stand firm.”

Huawei responded to the recent developments on May 20th, saying that Huawei does not need to depend on American suppliers for their chips, nor for their Operating System (OS). Huawei has reportedly been working on its in-house ‘Hong Meng’ OS since 2012.

They also promised to continue providing security updates and after-sale services for its smartphones and tablets, The Guardian reports.

Perhaps surprisingly, the majority of Chinese online responses to the issue are rather positive at the time of writing. The larger part of comments on Weibo are not necessarily anti-American, nor pessimistic about Huawei’s future, but instead confident that Huawei will have no problems in overcoming the recent hurdles.

On Weibo, the hashtag “Huawei Doesn’t Need to Rely on America for its Microchips” (#华为芯片可以不依赖美国供应链#) had over 19 million views by Monday night. The hashtag “Huawei’s Self-Developed Operating System Hong Meng” (#华为自研操作系统鸿蒙#) also took off on Monday in response to the news that Huawei has been developing its own OS for years, in case it would no longer be able to depend on Google for the Android OS.

“What’s been happening with Huawei recently teaches us an important lesson,” one Weibo user (@叼着猫的小花鱼) wrote: “Sometimes, it’s essential to have a plan B!” The Chinese idiom ‘Jū ān sī wēi‘ (居安思危) is used by many, meaning “think of dangers in times of safety” or “be vigilant in peacetime.” The second character of the idiom, ān 安, is also the first in the Chinese term for ‘Android’ (安卓).

Many netizens commented that they are looking forward to the Huawei OS, and predict that one potential consequence of the China-US trade war will be that all Chinese smartphones might eventually switch to a Chinese Operating System and use made-in-China chips and electronics.

On China’s Douyin (Tiktok) platform, hundreds of people are sharing short videos of Huawei chief Ren Zhengfei (任正非) talking about Huawei as the world leader in 5G technology, with comment sections showing praise for the Huawei brand: “My next phone will definitely be a Huawei.”

“We [Chinese] are becoming more and more confident,” one of the 12,000+ comments on Douyin said.

Both on Weibo and Douyin, people express that Huawei is more than a brand to them, saying it is a “national pride.” The slogan “Go China! Go Huawei!” (“加油中国 加油华为”) is ubiquitous on social media.

“Some of my close friends are thinking of buying an iPhone, and I think it’s shameful,” one Douyin user wrote. “I will unconditionally support domestically produced products. Go Huawei!”, others wrote on Weibo.

For now, Huawei users will still have access to the Android version on their existing devices and will still be able to download app updates provided by Google.

By Manya Koetse

Spotted a mistake or want to add something? Please let us know in comments below or email us.

©2019 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com

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What Are Weibo’s “Super Topics”?

Explaining Weibo’s “Super Topics”

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What are Weibo’s “Super Topics” (超级话题) and what makes them different from normal hashtags?

Over the past year, Weibo’s so-called “Super Topics” (超级话题) have become more popular on the social media platform as online spaces for people to connect and share information.

Weibo’s “super topic” function has been around since 2016. The function allows Weibo users to create and join interest-based content community pages that are online groups separated from the main Weibo space. One could perhaps compare these Weibo Super Groups to ‘mega-threads’ or ‘subreddits’ on Reddit.

These are the most important things to know about Weibo’s Super Topics:

 

#1 A Super Topic is Not the Same as a Hashtag

Similar to Twitter, hashtags make it possible for Weibo users to tag a topic they are addressing in their post so that their content pops up whenever other people search for that hashtag.

Different from Twitter, Weibo hashtags also have their own page where the hashtag is displayed on top, displaying how many people have viewed the hashtag, how many comments the hashtag is tagged in, and allowing users to share the hashtag page with others.

A Super Topic goes beyond the hashtag. It basically is a community account where all sort of information is shared and organized. People can ‘follow’ (关注) a Super Topic and can also ‘sign in’ (签到).

On the main page of every Super Topic page, the main subject or purpose of the super topic is briefly explained, and the number of views, followers, and posts are displayed.

A super topic-page can be created by any Weibo user and can have up to three major hosts, and ten sub-hosts. The main host(s) can decide which content will be featured as essential, they can place sticky notes, and post links to suggested topics.

 

#2 A Super Topic Is a Way to Organize Content

Super Topic pages allow hosts to organize relevant content in the way they want. Besides the comment area, the page consists of multiple tabs.

A tab right underneath the main featured information on the page, for example, shows the “sticky posts” (置顶帖) that the host(s) of the page have placed there, linking to relevant information or trending hashtag pages. Below the sticky notes, all the posts posted in the Super Topic community are displayed.

One of the most important tabs within the Super Topic page is called “essential content” (精花), which only shows the content that is manually selected by the host(s). This is often where opinion pieces, articles, official news, or photos, etc. are collected and separated from all the other posts.

Another tab is the “Hall of Fame” (名人堂), which mainly functions as a reference page. It features links to the personal Weibo pages of the super topic page host(s), links to the Weibo pages of top contributors, and shows a list of the biggest fans of the Super Topic. Who the biggest fan of the page is, is decided by the number of consecutive days a person has “checked-in” on the page.

 

#3 Super Topics Are a Place for Fans to Gather

Although a Super Topic could basically be about anything, from cities to products or hobbies, Super Topics are often created for Chinese celebrities, video games, football clubs, or TV dramas.

Through Super Topic pages, a sense of community can be created. People can be ranked for being the most contributive or for checking in daily, and comment on each other’s posts, making it a home base for many fan clubs across China.

The host(s) can also help somebody’s page (e.g. a celebrity account) grow by proposing them to others within the group.

Super Groups are ranked on Weibo based on their popularity. This also gives fans more reason to stay active in the group, making their Super Topic top ranking within their specific category (TV drama, food, photography, sports, games, etc).

What makes the Super Topic group more ‘private’ than the common Weibo area, is that people posting within the Super Topic can decide whether or not they also want their comment shared on their own Weibo page or not. If they choose not to, their comments or posts will only be visible within the Super Topic community.

 

By Manya KoetseGabi Verberg, with contributions from Boyu Xiao

Spotted a mistake or want to add something? Please let us know in comments below or email us.

©2019 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com

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What’s on Weibo provides social, cultural & historical insights into an ever-changing China. What’s on Weibo sheds light on China’s digital media landscape and brings the story behind the hashtag. This independent news site is managed by sinologist Manya Koetse. Contact info@whatsonweibo.com. ©2014-2018

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