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By creating user friendly mobile-first software experiences, Ant is disrupting the traditionally opaque, highly regulated, and hard to access world of Chinese banking. In doing so they have made financial services available to hundreds of millions of Chinese who wouldn’t have previously been able to access them.

After Ant got to scale, they leveraged their user base to bootstrap other initiatives like loans to small merchants, installment payment plans, consumer-friendly financial products, and wealth management services.

Ant started out by building the digital payment infrastructure necessary to facilitate transactions on Chinese e-commerce giant Alibaba. As PayPal is to Ebay, Ant is to Alibaba—they are both financial infrastructure companies that grew by facilitating transactions on an existing, popular marketplace.