Cashless China: Securitization of everyday life through Alipay’s social credit system—Sesame Credit
Abstract
This study on Alipay’s social credit system, Sesame Credit, examines the governmental practices that have evolved in the platform economy. Credit has grown exponentially in importance in post-socialist, consumption-driven China. Sesame Credit’s unique and massive consumer database is used to evaluate users’ credit trustworthiness. The social credit system formulated by Alipay aligns with the state’s long tradition of guiding and monitoring the population’s behavior. Diverging from earlier communist-style posters and banners as well as propaganda-style slogans, Alipay adapts, appropriates, and transforms technological trends by appealing to subjects’ self-interest. Alipay de-politicizes the system through gamified features and a loyalty-rewards program of rules, rewards, and penalties. Combining ethnographic observations and in-depth interviews with 39 young Chinese people in Beijing, this study examines the users’ perspectives, which have been significantly overlooked in examinations of corporate and state surveillance in the Chinese context. This article argues that market actors, such as Alibaba and Ant Financial, create interests, needs, and dependency among user–subjects by both responding to the pre-existing socio-economic desires for security, trust, and good government, and by navigating the socio-cultural and political conditions of privacy and surveillance practices in contemporary China.
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Private social credit systems such as Ant Financial's Sesame Credit reward consumers for economic and social relationships and behavior, and they legitimize social credit systems more generally.
“For instance, private social credit systems such as Ant Financial’s Sesame Credit reward consumers for economic and social relationships and behavior, and they legitimize social credit systems more generally (104).”
From Physical and virtual repertoires of contention (2022) · cites this paper as [104]
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- Authors
- Chong, G. P. L.
- Affiliations
- Hong Kong Baptist University (HK)
- Corresponding author
- Chong, Gladys Pak Lei
- Venue
- Chinese Journal of Communication
- Publisher
- Informa UK Limited
- Published
- 2019-03-12
- Volume
- 12
- Issue
- 3
- Pages
- 290-307
- ISSN
- 1754-4750 (ISSN-L)
- 1754-4769
- OpenAlex
- W2921298364
- Cited by
- 64
- References
- 31
- Citations by year
- 2026: 2 · 2025: 3 · 2024: 8 · 2023: 7 · 2022: 8 · 2021: 8 · 2020: 27 · 2019: 1
- FWCI
- 22.15
- Type
- journal article
- Language
- en
- Open access
- closed
- Locations
- Chinese Journal of Communication (publishedVersion)
- Funders
- Hong Kong Research Grants Council
- Hong Kong Baptist University (FRGI/16-17/053)
- Topics
- Social Sciences › Sociology and Political Science › Privacy, Security, and Data Protection
- Social Sciences › Safety Research › Ethics and Social Impacts of AI
- Physical Sciences › Computer Science › Information Systems › COVID-19 Digital Contact Tracing
- Keywords
- Alipay, social credit system, cashless society, platform economy, credit scoring, surveillance, gamification, loyalty rewards, user trust, privacy, Ant Financial, Alibaba, consumer behavior, post-socialist China, user perspective
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