In many countries the three most popular Chinese sentences are “你好！(Hello!)”“谢谢！(Thank you!)” and “支付宝 (Alipay)”. This book introduces the Chinese company behind Alipay Ant Financial. Beyond any doubt Ant Financial is currently the most representative financial technology magnate in China as well as the financial technology company of the highest value in the world. Established on the “moat”of technology it opens its data technology and service to financial institutions and constructs a complete new financial ecosphere on this basis.By building a credit and risk control system based on the Internet big data and cloud computing Ant Financial has remolded the traditional financial business and provided a “new solution” to the world problem of inclusive finance.